Market Price

60.68 

1.40 2.4%

as of Aug 16 '19

52 Week Range:

46.05 75.08


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

SunTrust Banks, Inc. operates as the holding company for SunTrust Bank that provides various financial services for consumers, businesses, corporations, institutions, and not-for-profit entities in the United States. It operates in two segments, Consumer and Wholesale. The Consumer segment provides deposits and payments; home equity and personal credit lines; auto, student, and other lending products; credit cards; discount/online and full-service brokerage products; professional investment advisory products and services; and trust services, as well as family office solutions. This segment also offers residential mortgage products in the secondary market. The Wholesale segment provides capital markets solutions, including advisory, capital raising, and financial risk management; asset-based financing solutions, such as securitizations, asset-based lending, equipment financing, and structured real estate arrangements; cash management services and auto dealer financing solutions; investment banking solutions; and credit and deposit, fee-based product offering, multi-family agency lending, advisory, commercial mortgage brokerage, and tailored financing and equity investment solutions. This segment also offers treasury and payment solutions, such as operating various electronic and paper payment types, which comprise card, wire transfer, automated clearing house, check, and cash; and provides services clients to manage their accounts online. The company offers its products and services through a network of traditional and in-store branches, automated teller machines, Internet, mobile, and telephone banking channels. As of December 31, 2018, it operated 1,218 full-service banking offices located in Florida, Georgia, Virginia, North Carolina, Tennessee, Maryland, South Carolina, and the District of Columbia. SunTrust Banks, Inc. was founded in 1891 and is headquartered in Atlanta, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 48.48
35.29
36.34
37.30
37.59
37.95
41.07
44.11
47.28
47.88
49.48
growth rate -27.2% 3.0% 2.6% 0.8% 1.0% 8.2% 7.4% 7.2% 1.3% 3.3%
Earnings BIT 728.50
-2,450.00
21.00
739.00
2,760.00
1,630.00
2,587.00
2,989.00
2,990.00
3,164.00
growth rate -100.0% 100.0% 3,419.1% 273.5% -40.9% 58.7% 15.5% 0.0% 5.8%
Avg.PE 13.85
-4.50
71.43
18.87
7.90
15.29
12.69
9.65
16.68
15.53
10.56
growth rate -100.0% 100.0% -73.6% -58.1% 93.5% -17.0% -24.0% 72.9% -6.9% -32.0%
ROA 0.41
-0.95
-0.05
0.28
1.10
0.74
0.94
0.98
0.92
1.06
1.27
growth rate -100.0% 0.0% 100.0% 292.9% -32.7% 27.0% 4.3% -6.1% 15.2% 19.8%
ROE 4.30
-9.97
-0.49
2.61
9.64
6.33
8.11
8.47
8.12
9.67
11.88
growth rate -100.0% 0.0% 100.0% 269.4% -34.3% 28.1% 4.4% -4.1% 19.1% 22.9%
ROIC 8.87
-0.72
13.96
4.02
6.84
4.97
5.67
growth rate -100.0% 100.0% -71.2% 70.2% -27.3% 14.1%
Leverage 11.02
9.89
9.50
8.94
8.56
8.47
8.74
8.59
9.15
9.08
9.69
growth rate -10.3% -3.9% -5.9% -4.3% -1.1% 3.2% -1.7% 6.5% -0.8% 6.7%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 57.00
52.00
50.00
2,201.00
602.00
growth rate -8.8% -3.9% 4,302.0% -72.7%
Acct.Payable 140,567.00
149,830.00
160,398.00
160,780.00
162,589.00
growth rate 6.6% 7.1% 0.2% 1.1%
Cur.Assets 17,866.00
13,671.00
16,783.00
17,762.00
16,471.00
growth rate -23.5% 22.8% 5.8% -7.3%
Total Assets 189,138.00
174,165.00
172,874.00
176,859.00
173,442.00
175,335.00
190,328.00
190,817.00
204,875.00
205,962.00
215,543.00
growth rate -7.9% -0.7% 2.3% -1.9% 1.1% 8.6% 0.3% 7.4% 0.5% 4.7%
Cash 5,646.80
6,480.00
4,320.00
38,905.00
36,437.00
32,845.00
7,069.00
4,322.00
5,116.00
5,374.00
5,816.00
growth rate 14.8% -33.3% 800.6% -6.3% -9.9% -78.5% -38.9% 18.4% 5.0% 8.2%
Inventory 146.00
63.00
74.00
67.00
63.00
growth rate -56.9% 17.5% -9.5% -6.0%
Cur.Liabilities 150,980.00
155,720.00
166,513.00
166,844.00
172,965.00
growth rate 3.1% 6.9% 0.2% 3.7%
Liabilities 166,637.20
151,634.00
149,744.00
156,793.00
152,457.00
153,913.00
167,323.00
167,380.00
181,257.00
180,808.00
191,263.00
growth rate -9.0% -1.3% 4.7% -2.8% 1.0% 8.7% 0.0% 8.3% -0.3% 5.8%
LT Debt 2,008.00
2,009.00
2,010.00
1,806.00
1,176.00
1,181.00
13,022.00
8,462.00
11,748.00
9,785.00
15,072.00
growth rate 0.1% 0.1% -10.2% -34.9% 0.4% 1,002.6% -35.0% 38.8% -16.7% 54.0%
Equity 22,500.80
22,531.00
23,130.00
20,066.00
20,985.00
21,422.00
21,672.00
22,104.00
22,290.00
22,576.00
22,152.00
growth rate 0.1% 2.7% -13.3% 4.6% 2.1% 1.2% 2.0% 0.8% 1.3% -1.9%
Common Shares 350.00
437.00
499.00
528.00
538.00
539.00
533.00
521.00
503.00
487.00
465.00
growth rate 24.9% 14.2% 5.8% 1.9% 0.2% -1.1% -2.3% -3.5% -3.2% -4.5%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures -67.20
212.00
0.00
131.00
206.00
200.00
147.00
186.00
283.00
410.00
345.00
growth rate 100.0% -100.0% 57.3% -2.9% -26.5% 26.5% 52.2% 44.9% -15.9%
Cash Dividends 1,041.50
329.00
259.00
131.00
119.00
225.00
409.00
539.00
564.00
723.00
936.00
growth rate -68.4% -21.3% -49.4% -9.2% 89.1% 81.8% 31.8% 4.6% 28.2% 29.5%
Cash From OA 3,616.30
3,042.00
4,218.00
4,539.00
2,013.00
4,210.00
-1,160.00
3,552.00
-518.00
5,622.00
2,569.00
growth rate -15.9% 38.7% 7.6% -55.7% 109.1% -100.0% 100.0% -100.0% 100.0% -54.3%
FCF per Share 10.36
6.50
7.95
7.58
3.35
6.57
3.52
0.89
3.24
7.99
growth rate -37.3% 22.3% -4.7% -55.8% 96.1% -46.4% -49.7% 264.0% 146.6%
Sale Purchase of Stock -3,741.00
438.00
-150.00
10.00
17.00
25.00
21.00
growth rate 100.0% -100.0% 100.0% 70.0% 47.1% -16.0%
FCF 3,627.00
2,830.00
3,966.00
4,497.00
1,804.00
4,008.00
-1,459.00
3,193.00
-1,135.00
5,092.00
2,146.00
growth rate -22.0% 40.1% 13.4% -59.9% 122.2% -100.0% 100.0% -100.0% 100.0% -57.9%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 9,093.10
8,176.00
8,583.00
9,602.00
11,240.00
8,602.00
7,711.00
7,867.00
8,160.00
8,471.00
9,005.00
growth rate -10.1% 5.0% 11.9% 17.1% -23.5% -10.4% 2.0% 3.7% 3.8% 6.3%
Op.Income 739.90
-2,450.00
21.00
647.00
1,958.00
1,344.00
2,340.00
2,886.00
2,914.00
2,969.00
3,531.00
growth rate -100.0% 100.0% 2,981.0% 202.6% -31.4% 74.1% 23.3% 1.0% 1.9% 18.9%
IBT 739.88
-2,450.35
21.00
739.00
2,796.00
1,683.00
2,278.00
2,707.00
2,692.00
2,814.00
3,332.00
growth rate -100.0% 100.0% 3,419.1% 278.4% -39.8% 35.4% 18.8% -0.6% 4.5% 18.4%
Net Income 795.80
-1,564.00
189.00
647.00
1,958.00
1,344.00
1,774.00
1,933.00
1,878.00
2,273.00
2,775.00
growth rate -100.0% 100.0% 242.3% 202.6% -31.4% 32.0% 9.0% -2.9% 21.0% 22.1%
EPS 2.12
-3.98
-0.18
0.94
3.59
2.41
3.23
3.58
3.60
4.47
5.74
growth rate -100.0% 0.0% 100.0% 281.9% -32.9% 34.0% 10.8% 0.6% 24.2% 28.4%
Gross Profit 7,711.00
7,867.00
8,160.00
8,471.00
9,005.00
growth rate 2.0% 3.7% 3.8% 6.3%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 888.00
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 768.00
860.00
669.00
602.00
854.00
growth rate 12.0% -22.2% -10.0% 41.9%
Acct.Payable 162,379.00
161,448.00
160,378.00
162,589.00
162,152.00
growth rate -0.6% -0.7% 1.4% -0.3%
Cur.Assets 16,842.00
16,752.00
17,277.00
16,471.00
16,302.00
growth rate -0.5% 3.1% -4.7% -1.0%
Total Assets 204,885.00
207,505.00
211,276.00
215,543.00
220,425.00
growth rate 1.3% 1.8% 2.0% 2.3%
Cash 5,876.00
5,883.00
6,231.00
5,816.00
4,546.00
growth rate 0.1% 5.9% -6.7% -21.8%
Inventory 66.00
59.00
59.00
63.00
62.00
growth rate -10.6% 0.0% 6.8% -1.6%
Cur.Liabilities 167,688.00
168,694.00
170,181.00
172,965.00
174,151.00
growth rate 0.6% 0.9% 1.6% 0.7%
Liabilities 180,616.00
183,189.00
187,137.00
191,263.00
195,602.00
growth rate 1.4% 2.2% 2.2% 2.3%
LT Debt 10,692.00
11,995.00
14,289.00
15,072.00
17,379.00
growth rate 12.2% 19.1% 5.5% 15.3%
Equity 22,143.00
22,188.00
22,013.00
22,152.00
22,697.00
growth rate 0.2% -0.8% 0.6% 2.5%
Common Shares 552.00
552.00
553.00
553.00
553.00
growth rate 0.0% 0.2% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 67.00
42.00
61.00
175.00
81.00
growth rate -37.3% 45.2% 186.9% -53.7%
Cash Dividends 197.00
272.00
272.00
272.00
225.00
growth rate 38.1% 0.0% 0.0% -17.3%
Cash From OA -200.00
991.00
101.00
1,677.00
-823.00
growth rate 100.0% -89.8% 1,560.4% -100.0%
Sale Purchase of Stock 34.00
growth rate
FCF -267.00
949.00
40.00
1,502.00
-904.00
growth rate 100.0% -95.8% 3,655.0% -100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 2,209.00
2,285.00
2,233.00
2,278.00
2,175.00
growth rate 3.4% -2.3% 2.0% -4.5%
Op.Income 838.00
951.00
907.00
826.00
765.00
growth rate 13.5% -4.6% -8.9% -7.4%
IBT 792.00
895.00
849.00
796.00
686.00
growth rate 13.0% -5.1% -6.2% -13.8%
Net Income 643.00
722.00
752.00
658.00
580.00
growth rate 12.3% 4.2% -12.5% -11.9%
EPS
growth rate
Gross Profit 2,209.00
2,285.00
2,233.00
2,278.00
2,175.00
growth rate 3.4% -2.3% 2.0% -4.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (23.74)

YOY Growth Grade:

E (21.41)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.07 10.65 10.64
EPS / Growth 9.8% 5.70 14.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 0.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.1% 8.2% 8.2%
Future PE 0.10 12.68 12.68
Future EPS 5.73 12.49 12.49
Value Price
MOS %
0.14
-99.8%
39.13
-35.5%
39.13
-35.5%
MOS Price 0.07 19.57 19.57
IRT 10.61 7.51 7.51

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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