Sterling Bancorp Company Profile (NYSE:STL)

About Sterling Bancorp (NYSE:STL)

Sterling Bancorp logoSterling Bancorp is a financial holding company. The Company is a bank holding company that owns the Sterling National Bank (the Bank). The Bank specializes in the delivery of services and solutions to business owners, their families and consumers within the communities it serves. The Bank offers a line of commercial, business, and consumer banking products and services. The Bank is engaged in the origination of commercial loans and commercial mortgage loans. The Company also originates residential mortgage loans and consumer loans. The Bank offers services in the New York Metro Market, which includes Manhattan and Long Island, and the New York Suburban Market, which consists of Rockland, Orange, Sullivan, Ulster, Putnam and Westchester counties in New York and Bergen County in New Jersey. Its deposit products include non-interest bearing demand deposits, interest bearing demand deposits, savings, money market and certificate of deposits.

Industry, Sector and Symbol:
  • Sector: Finance
  • Industry: Money Center Banks
  • Sub-Industry: Regional Banks
  • Symbol: NYSE:STL
  • CUSIP: 85915810
  • Web:
  • Market Cap: $2.96 billion
  • Outstanding Shares: 135,590,000
Average Prices:
  • 50 Day Moving Avg: $22.96
  • 200 Day Moving Avg: $23.42
  • 52 Week Range: $14.55 - $25.85
  • Trailing P/E Ratio: 18.56
  • Foreward P/E Ratio: 12.85
  • P/E Growth: 0.00
Sales & Book Value:
  • Annual Revenue: $467.44 million
  • Price / Sales: 6.34
  • Book Value: $13.93 per share
  • Price / Book: 1.57
  • Annual Dividend: $0.28
  • Dividend Yield: 1.3%
  • Net Margins: 26.28%
  • Return on Equity: 8.05%
  • Return on Assets: 1.06%
  • Debt-to-Equity Ratio: 1.12%
  • Current Ratio: 0.98%
  • Quick Ratio: 0.97%
  • Average Volume: 1.70 million shs.
  • Beta: 1.05
  • Short Ratio: 4.29

Frequently Asked Questions for Sterling Bancorp (NYSE:STL)

What is Sterling Bancorp's stock symbol?

Sterling Bancorp trades on the New York Stock Exchange (NYSE) under the ticker symbol "STL."

How often does Sterling Bancorp pay dividends? What is the dividend yield for Sterling Bancorp?

Sterling Bancorp declared a quarterly dividend on Tuesday, April 25th. Stockholders of record on Monday, May 8th will be paid a dividend of $0.07 per share on Monday, May 22nd. This represents a $0.28 dividend on an annualized basis and a dividend yield of 1.28%. The ex-dividend date of this dividend is Thursday, May 4th. View Sterling Bancorp's Dividend History.

How were Sterling Bancorp's earnings last quarter?

Sterling Bancorp (NYSE:STL) posted its quarterly earnings results on Tuesday, April, 25th. The company reported $0.31 earnings per share for the quarter, hitting the consensus estimate of $0.31. The business had revenue of $121.63 million for the quarter, compared to analyst estimates of $127.81 million. Sterling Bancorp had a net margin of 26.28% and a return on equity of 8.05%. View Sterling Bancorp's Earnings History.

When will Sterling Bancorp make its next earnings announcement?

Sterling Bancorp is scheduled to release their next quarterly earnings announcement on Monday, July, 24th 2017. View Earnings Estimates for Sterling Bancorp.

Where is Sterling Bancorp's stock going? Where will Sterling Bancorp's stock price be in 2017?

10 equities research analysts have issued 12-month price objectives for Sterling Bancorp's shares. Their predictions range from $25.00 to $30.00. On average, they expect Sterling Bancorp's share price to reach $27.42 in the next year. View Analyst Ratings for Sterling Bancorp.

Who are some of Sterling Bancorp's key competitors?

Who owns Sterling Bancorp stock?

Sterling Bancorp's stock is owned by a variety of of institutional and retail investors. Top institutional investors include BlackRock Inc. (11.79%), Vanguard Group Inc. (8.62%), Wellington Management Group LLP (8.14%), Dimensional Fund Advisors LP (5.51%), State Street Corp (4.37%) and Victory Capital Management Inc. (2.37%). Company insiders that own Sterling Bancorp stock include Craig S Thompson, Jack L Kopnisky, James F Deutsch, James P Blose, James R Peoples, John C Millman, Louis J Cappelli, Michael E Finn, Richard L O'toole, Robert Abrams, Robert W Lazar and Thomas G Kahn. View Institutional Ownership Trends for Sterling Bancorp.

Who sold Sterling Bancorp stock? Who is selling Sterling Bancorp stock?

Sterling Bancorp's stock was sold by a variety of institutional investors in the last quarter, including Wells Fargo & Company MN, JPMorgan Chase & Co., Dimensional Fund Advisors LP, Victory Capital Management Inc., Patriot Financial Partners GP LP, Morgan Stanley, Goldman Sachs Group Inc. and Kahn Brothers Group Inc. DE. Company insiders that have sold Sterling Bancorp stock in the last year include Craig S Thompson, Jack L Kopnisky, James F Deutsch, James R Peoples, John C Millman, Michael E Finn, Robert Abrams and Thomas G Kahn. View Insider Buying and Selling for Sterling Bancorp.

Who bought Sterling Bancorp stock? Who is buying Sterling Bancorp stock?

Sterling Bancorp's stock was bought by a variety of institutional investors in the last quarter, including BlackRock Inc., State Street Corp, OppenheimerFunds Inc., Hermes Investment Management Ltd., Wellington Management Group LLP, Citadel Advisors LLC, Monarch Partners Asset Management LLC and Vanguard Group Inc.. Company insiders that have bought Sterling Bancorp stock in the last two years include Jack L Kopnisky, James P Blose, Michael E Finn, Richard L O'toole, Robert Abrams and Robert W Lazar. View Insider Buying and Selling for Sterling Bancorp.

How do I buy Sterling Bancorp stock?

Shares of Sterling Bancorp can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

How much does a share of Sterling Bancorp stock cost?

One share of Sterling Bancorp stock can currently be purchased for approximately $21.85.

Analyst Ratings

Consensus Ratings for Sterling Bancorp (NYSE:STL) (?)
Ratings Breakdown: 1 Hold Rating, 9 Buy Ratings
Consensus Rating:Buy (Score: 2.90)
Consensus Price Target: $27.42 (25.48% upside)

Analysts' Ratings History for Sterling Bancorp (NYSE:STL)
DateFirmActionRatingPrice TargetImpact on Share PriceDetails
5/20/2017ValuEngineUpgradeHold -> BuyLowView Rating Details
5/19/2017Jefferies Group LLCReiterated RatingBuy$28.00LowView Rating Details
5/4/2017FBR & CoSet Price TargetHold$25.00LowView Rating Details
4/12/2017Keefe, Bruyette & WoodsReiterated RatingBuy$29.00LowView Rating Details
4/5/2017StephensInitiated CoverageOverweightMediumView Rating Details
3/9/2017Sandler O'NeillUpgradeHold -> BuyLowView Rating Details
3/8/2017Hovde GroupUpgradeMarket Perform -> Outperform$27.00HighView Rating Details
3/8/2017Maxim GroupBoost Price TargetBuy$28.00 -> $30.00HighView Rating Details
1/11/2017Piper Jaffray CompaniesUpgradeNeutral -> Overweight$25.50N/AView Rating Details
8/31/2016FIG PartnersReiterated RatingOutperformN/AView Rating Details
9/30/2015Royal Bank of CanadaInitiated CoverageOutperform$18.00N/AView Rating Details
(Data available from 5/25/2015 forward)


Earnings History for Sterling Bancorp (NYSE:STL)
Earnings by Quarter for Sterling Bancorp (NYSE:STL)
Earnings History by Quarter for Sterling Bancorp (NYSE:STL)
DateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails
4/25/2017Q1 2017$0.31$0.31$127.81 million$121.63 millionViewN/AView Earnings Details
1/24/2017Q416$0.29$0.30$125.25 million$123.31 millionViewN/AView Earnings Details
10/25/2016Q3$0.28$0.29$122.20 million$112.20 millionViewN/AView Earnings Details
7/26/2016Q216$0.28$0.27$34.78 million$119.51 millionViewN/AView Earnings Details
4/26/2016Q1$0.25$0.25$115.00 million$108.94 millionViewN/AView Earnings Details
1/27/2016Q116$0.26$0.26$113.80 million$111.50 millionViewListenView Earnings Details
10/26/2015Q315$0.25$0.25$112.20 million$112.16 millionViewListenView Earnings Details
7/27/2015Q215$0.19$0.23$76.90 million$77.43 millionViewListenView Earnings Details
4/29/2015Q115$0.22$0.19$73.39 million$72.88 millionViewN/AView Earnings Details
1/27/2015Q414$0.23$0.20$73.62 million$74.19 millionViewN/AView Earnings Details
10/27/2014Q214$0.22$0.19$71.90 million$71.90 millionViewN/AView Earnings Details
7/28/2014Q114$0.19$0.18$71.16 million$71.92 millionViewN/AView Earnings Details
4/30/2014$0.17$0.12$63.93 million$66.44 millionViewN/AView Earnings Details
2/4/2014Q4$0.14$0.16ViewN/AView Earnings Details
7/26/2013Q2 2013$0.18$0.18$36.06 millionViewN/AView Earnings Details
4/26/2013Q1 2013$0.17$0.17$31.09 millionViewN/AView Earnings Details
1/24/2013Q4 2012$0.17$0.17$35.02 millionViewN/AView Earnings Details
11/2/2012Q312$0.18$0.17$35.01 millionViewN/AView Earnings Details
7/24/2012$0.15$0.16ViewN/AView Earnings Details
4/23/2012$0.14$0.15ViewN/AView Earnings Details
1/31/2012$0.15$0.17ViewN/AView Earnings Details
10/20/2011$0.14$0.14ViewN/AView Earnings Details
(Data available from 1/1/2011 forward)


Earnings Estimates for Sterling Bancorp (NYSE:STL)
2017 EPS Consensus Estimate: $1.36
2018 EPS Consensus Estimate: $1.66
QuarterNumber of EstimatesLow EstimateHigh EstimateAverage Estimate
Q1 20173$0.30$0.31$0.30
Q2 20173$0.32$0.34$0.33
Q3 20173$0.34$0.37$0.36
Q4 20173$0.35$0.39$0.37
Q1 20182$0.37$0.38$0.38
Q2 20182$0.40$0.41$0.41
Q3 20182$0.43$0.43$0.43
Q4 20182$0.44$0.45$0.45
(Data provided by Zacks Investment Research)


Current Dividend Information for Sterling Bancorp (NYSE:STL)
Most Recent Dividend:5/22/2017
Annual Dividend:$0.28
Dividend Yield:1.28%
Dividend Growth:-8.00% (3 Year Average)
Payout Ratio:26.17% (Trailing 12 Months of Earnings)
40.58% (Based on This Year's Estimates)
16.47% (Based on Next Year's Estimates)
Dividend Payments by Quarter for Sterling Bancorp (NYSE:STL)

Dividend History by Quarter for Sterling Bancorp (NYSE:STL)
AnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
(Data available from 1/1/2013 forward)

Insider Trades

Insider Trading and Institutional Ownership History for Sterling Bancorp (NYSE:STL)
Insider Ownership Percentage: 4.04%
Institutional Ownership Percentage: 73.52%
Insider Trades by Quarter for Sterling Bancorp (NYSE:STL)
Institutional Ownership by Quarter for Sterling Bancorp (NYSE:STL)
Insider Trades by Quarter for Sterling Bancorp (NYSE:STL)
Transaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionDetails
5/16/2017Craig S ThompsonDirectorSell3,500$22.75$79,625.00View SEC Filing  
5/2/2017James F DeutschDirectorSell200,000$23.05$4,610,000.00View SEC Filing  
4/27/2017Craig S ThompsonDirectorSell1,000$23.87$23,870.00View SEC Filing  
3/16/2017James R PeoplesEVPSell10,874$24.41$265,434.34View SEC Filing  
3/16/2017Robert W LazarDirectorBuy400$24.95$9,980.00View SEC Filing  
3/13/2017Craig S ThompsonDirectorSell2,000$24.81$49,620.00View SEC Filing  
3/10/2017John C MillmanDirectorSell15,000$25.01$375,150.00View SEC Filing  
3/10/2017Michael E FinnInsiderSell1,000$24.67$24,670.00View SEC Filing  
2/14/2017Craig S ThompsonDirectorSell5,500$24.00$132,000.00View SEC Filing  
2/1/2017Thomas G KahnDirectorSell62,000$23.63$1,465,060.00View SEC Filing  
1/31/2017Thomas G KahnDirectorSell1,475$23.70$34,957.50View SEC Filing  
1/30/2017Thomas G KahnDirectorSell23,945$24.19$579,229.55View SEC Filing  
1/26/2017Craig S ThompsonDirectorSell16,000$24.45$391,200.00View SEC Filing  
11/15/2016Craig S ThompsonDirectorSell3,500$22.05$77,175.00View SEC Filing  
11/14/2016James F DeutschDirectorSell100,000$22.48$2,248,000.00View SEC Filing  
11/10/2016James F DeutschDirectorSell100,000$20.16$2,016,000.00View SEC Filing  
11/9/2016James F DeutschDirectorSell200,000$19.09$3,818,000.00View SEC Filing  
10/27/2016Craig S ThompsonDirectorSell1,000$17.87$17,870.00View SEC Filing  
9/12/2016Richard L O'tooleDirectorBuy3,000$17.40$52,200.00View SEC Filing  
9/1/2016James F DeutschDirectorSell100,000$17.58$1,758,000.00View SEC Filing  
8/26/2016Craig S ThompsonDirectorSell4,847$17.20$83,368.40View SEC Filing  
8/23/2016James F DeutschDirectorSell200,000$17.19$3,438,000.00View SEC Filing  
8/18/2016John C MillmanDirectorSell20,000$17.26$345,200.00View SEC Filing  
8/16/2016Craig S ThompsonDirectorSell3,500$17.11$59,885.00View SEC Filing  
8/12/2016Richard L O'tooleDirectorBuy1,000$16.93$16,930.00View SEC Filing  
8/11/2016Jack L KopniskyCEOSell107,526$17.19$1,848,371.94View SEC Filing  
8/8/2016Robert W LazarDirectorBuy475$17.07$8,108.25View SEC Filing  
8/3/2016Michael E FinnInsiderSell16,480$16.86$277,852.80View SEC Filing  
8/1/2016Robert AbramsDirectorSell1,835$17.00$31,195.00View SEC Filing  
7/29/2016Craig S ThompsonDirectorSell3,000$16.96$50,880.00View SEC Filing  
7/28/2016Craig S ThompsonDirectorSell2,000$16.98$33,960.00View SEC Filing  
5/23/2016Craig S ThompsonDirectorSell2,500$15.88$39,700.00View SEC Filing  
5/16/2016Craig S ThompsonDirectorSell2,000$15.64$31,280.00View SEC Filing  
5/10/2016Richard L O'tooleDirectorBuy1,000$15.77$15,770.00View SEC Filing  
4/28/2016Craig S ThompsonDirectorSell3,000$16.54$49,620.00View SEC Filing  
4/28/2016James P BloseGeneral CounselSell7,500$16.61$124,575.00View SEC Filing  
3/8/2016Craig S ThompsonDirectorSell3,000$15.33$45,990.00View SEC Filing  
2/23/2016Craig S ThompsonDirectorSell7,000$14.49$101,430.00View SEC Filing  
2/18/2016Richard L O'tooleDirectorBuy1,000$14.17$14,170.00View SEC Filing  
2/11/2016Robert AbramsDirectorBuy1,100$13.60$14,960.00View SEC Filing  
2/9/2016Robert AbramsDirectorBuy735$13.60$9,996.00View SEC Filing  
12/2/2015Craig S ThompsonDirectorSell1,000$17.40$17,400.00View SEC Filing  
12/1/2015Thomas G KahnDirectorSell3,000$17.43$52,290.00View SEC Filing  
11/25/2015Louis J CappelliDirectorSell25,000$17.32$433,000.00View SEC Filing  
11/16/2015Thomas G KahnDirectorSell25,000$16.03$400,750.00View SEC Filing  
11/6/2015John C MillmanDirectorSell20,000$16.45$329,000.00View SEC Filing  
11/3/2015Craig S ThompsonDirectorSell3,000$15.60$46,800.00View SEC Filing  
10/29/2015Richard L O'tooleDirectorBuy1,000$15.77$15,770.00View SEC Filing  
9/10/2015James P BloseGeneral CounselBuy1,000$14.24$14,240.00View SEC Filing  
9/9/2015Craig S. ThompsonDirectorSell3,000$14.27$42,810.00View SEC Filing  
8/26/2015Michael E FinnInsiderBuy4,000$13.48$53,920.00View SEC Filing  
8/25/2015Jack L KopniskyCEOBuy14,461$13.47$194,789.67View SEC Filing  
8/25/2015James P BloseGeneral CounselBuy1,000$13.58$13,580.00View SEC Filing  
8/24/2015Craig S ThompsonDirectorSell1,500$13.63$20,445.00View SEC Filing  
8/7/2015Robert AbramsDirectorBuy1,200$14.66$17,592.00View SEC Filing  
5/20/2015Robert W LazarDirectorBuy1,000$13.41$13,410.00View SEC Filing  
5/4/2015Richard L O'tooleDirectorBuy3,000$13.01$39,030.00View SEC Filing  
12/10/2014Michael BizenovEVPSell3,500$13.73$48,055.00View SEC Filing  
11/13/2014Robert AbramsDirectorBuy1,800$13.96$25,128.00View SEC Filing  
5/2/2014Richard O'tooleDirectorBuy2,000$11.57$23,140.00View SEC Filing  
3/14/2014David BagatelleEVPSell20,533$12.59$258,510.47View SEC Filing  
2/26/2014David BagatelleEVPSell12,500$12.61$157,625.00View SEC Filing  
12/13/2013David BagatelleEVPSell1,800$12.62$22,716.00View SEC Filing  
11/15/2013John MillmanDirectorSell2,211$12.22$27,018.42View SEC Filing  
11/1/2013Daniel RothsteinEVPSell16,667$11.76$196,003.92View SEC Filing  
(Data available from 1/1/2013 forward)


Headline Trends for Sterling Bancorp (NYSE:STL)
Latest Headlines for Sterling Bancorp (NYSE:STL)
DateHeadline logoSterling Bancorp (STL) Rating Lowered to Hold at Zacks Investment Research - May 23 at 8:07 AM logoSterling Bancorp (STL) Upgraded by ValuEngine to "Buy" - May 21 at 8:02 PM logoSterling Bancorp (STL) Receives "Buy" Rating from Jefferies Group LLC - May 20 at 7:10 AM logoSterling Bancorp (STL) Director Craig S. Thompson Sells 3,500 Shares - May 17 at 4:27 PM logoSterling Bancorp (STL) Expected to Post Quarterly Sales of $134.71 Million - May 17 at 1:14 PM logoRising oil, metals prices help commodity stocks buck the losing trend in Europe - May 16 at 8:55 AM logoSterling Bancorp (STL) Expected to Post Earnings of $0.33 Per Share - May 15 at 11:12 AM logoSterling Bancorp Provides Update to Release of CRA Supervisory Information and Pending Astoria Merger - May 15 at 9:07 AM logoSterling Bancorp (STL) Given Average Rating of "Buy" by Brokerages - May 8 at 11:14 AM logoSterling Bancorp (STL) Given a $25.00 Price Target at FBR & Co - May 7 at 7:44 AM logoSterling Bancorp (STL) Director James F. Deutsch Sells 200,000 Shares - May 5 at 11:58 PM logoSomewhat Favorable Press Coverage Somewhat Likely to Affect Sterling Bancorp (STL) Share Price - May 5 at 10:57 PM logoEd Blaskey Joins Sterling National Bank as EVP Long Island Market President - May 5 at 10:56 PM logoFBR & Co Research Analysts Boost Earnings Estimates for Sterling Bancorp (STL) - May 5 at 10:54 AM logoJames F. Deutsch Sells 200,000 Shares of Sterling Bancorp (STL) Stock - May 4 at 10:14 PM logoSterling Bancorp : STL-US: Dividend Analysis : May 08th, 2017 (record date) : By the numbers : May 4, 2017 - May 4 at 9:15 PM logoStatoil's CEO Sees Oil Rebalancing in 2H of 2017 - May 4 at 10:49 AM logoRegional bank First Horizon to buy Capital Bank for $2.2 bln - May 4 at 10:49 AM logoETFs with exposure to Sterling Bancorp : May 3, 2017 - May 3 at 6:13 PM logoSomewhat Positive Media Coverage Somewhat Unlikely to Affect Sterling Bancorp (STL) Stock Price - May 2 at 8:18 PM logoSterling Bancorp :STL-US: Earnings Analysis: Q1, 2017 By the Numbers : May 2, 2017 - May 2 at 5:52 PM logoInsider Selling: Sterling Bancorp (STL) Director Sells 1,000 Shares of Stock - May 1 at 8:28 PM logoJudy Diamant Joins Sterling National Bank’s Municipal & Non-Profit Banking Team - May 1 at 11:26 AM logoSterling Bancorp (STL) Earns News Impact Score of 0.19 - April 28 at 5:10 PM logoEdited Transcript of STL earnings conference call or presentation 26-Apr-17 2:30pm GMT - April 27 at 8:27 PM logoSterling Bancorp breached its 50 day moving average in a Bullish Manner : STL-US : April 27, 2017 - April 27 at 8:27 PM logoSterling Bancorp (STL) Receives Hold Rating from FBR & Co - April 26 at 10:12 PM logoSterling Bancorp's (STL) CEO Jack Kopnisky on Q1 2017 Results - Earnings Call Transcript - April 26 at 9:28 PM logoSterling Bancorp Announces Results for the Three Months Ended March 31, 2017 - April 26 at 4:27 PM logoSterling Bancorp (STL) Releases Quarterly Earnings Results, Hits Expectations - April 26 at 1:42 PM logoSterling Bancorp (STL) Expected to Announce Quarterly Sales of $133.19 Million - April 26 at 12:42 PM logoSterling Bancorp Declares Quarterly Dividend of $0.07 Per Share - April 25 at 7:00 PM logoSterling Bancorp Declares Quarterly Dividend of $0.07 (STL) - April 25 at 6:50 PM logoSterling Bancorp (STL) Earns Daily Coverage Optimism Score of 0.10 - April 25 at 6:34 PM logoSterling Bancorp meets 1Q profit forecasts - April 25 at 5:28 PM logo$0.31 EPS Expected for Sterling Bancorp (STL) This Quarter - April 24 at 10:35 AM logoThomas Holt Joins Sterling National Bank’s Commercial Banking Team - April 22 at 7:13 PM logoDaniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Team - April 17 at 6:57 PM logoUPDATE – Daniel Topple and Oleg Karaman to Co-Lead Sterling National Bank Commercial Banking Team - April 17 at 6:57 PM logoMaya Vovchuk to Lead Sterling National Bank’s Expanding Cash Management Team - April 17 at 6:57 PM logoPositive Press Coverage Somewhat Likely to Impact Sterling Bancorp (STL) Share Price - April 17 at 5:49 PM logoSterling Bancorp (STL) Earning Somewhat Favorable Media Coverage, Study Shows - April 14 at 8:25 PM logoThe Implied Analyst 12-Month Target For KBWR - April 14 at 3:45 PM logoBrokers Issue Forecasts for Sterling Bancorp's Q4 2017 Earnings (STL) - April 13 at 12:10 PM logoSterling Bancorp (STL) Rating Reiterated by FBR & Co - April 13 at 7:40 AM logoSterling Bancorp Expected to Post Q1 2017 Earnings of $0.31 Per Share (STL) - April 13 at 7:36 AM logoSterling Bancorp (STL) Given Buy Rating at Keefe, Bruyette & Woods - April 12 at 2:01 PM logoRobert Mocerino Joins Sterling National Bank’s Payroll Finance Team - April 12 at 12:50 PM logoSterling Bancorp (STL) Given Average Recommendation of "Buy" by Analysts - April 11 at 9:09 AM logoSterling Bancorp to Announce First Quarter 2017 Results - April 7 at 10:26 PM



Sterling Bancorp (STL) Chart for Thursday, May, 25, 2017

This page was last updated on 5/25/2017 by Staff