(STBA) S&T Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.593m USD | Total Return: 26.9% in 12m
Avg Turnover: 12.2M
EPS Trend: -72.6%
Qual. Beats: 1
Rev. Trend: 78.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
S&T Bancorp, Inc. (STBA) is a regional bank holding company headquartered in Indiana, Pennsylvania, providing commercial and retail banking services across Pennsylvania and Ohio. Established in 1902, the company manages a diversified portfolio including commercial and consumer lending, cash management, brokerage, and trust services.
The company operates within the regional banking sector, where profitability is largely driven by the net interest margin-the difference between interest earned on loans and interest paid on deposits. In addition to traditional banking, STBA generates non-interest income through private investment management and credit insurance reinsurance, a model designed to diversify revenue streams beyond cyclical lending activities.
Investors can further evaluate these revenue components and historical performance trends by reviewing the data available on ValueRay. Regional banks like S&T Bancorp often maintain a localized focus, leveraging geographic expertise to manage credit risk within specific municipal and industrial markets.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan portfolio performance in Pennsylvania and Ohio
- Non-interest income growth from wealth management and trust services
- Operating efficiency improvements through digital banking and branch consolidation
- Regional economic health impacting loan demand and credit loss provisions
| Net Income: 135.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.61 > 1.0 |
| NWC/Revenue: 8.42% < 20% (prev -1.21k%; Δ 1.22k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 148.4m > Net Income 135.9m |
| Net Debt (87.6m) to EBITDA (177.4m): 0.49 < 3 |
| Current Ratio: 1.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.2m) vs 12m ago -3.68% < -2% |
| Gross Margin: 69.55% > 18% (prev 0.69%; Δ 6.89k% > 0.5%) |
| Asset Turnover: 5.83% > 50% (prev 5.76%; Δ 0.07% > 0%) |
| Interest Coverage Ratio: 1.05 > 6 (EBITDA TTM 177.4m / Interest Expense TTM 162.8m) |
| A: 0.00 (Total Current Assets 98.3m - Total Current Liabilities 50.0m) / Total Assets 9.94b |
| B: 0.11 (Retained Earnings 1.14b / Total Assets 9.94b) |
| C: 0.02 (EBIT TTM 170.3m / Avg Total Assets 9.83b) |
| D: 0.14 (Book Value of Equity 1.20b / Total Liabilities 8.51b) |
| Altman-Z'' = 0.67 = B |
As of May 24, 2026, the stock is trading at USD 44.98 with a total of 271,872 shares traded.
Over the past week, the price has changed by +3.60%,
over one month by +4.22%,
over three months by +5.19% and
over the past year by +26.85%.
S&T Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold STBA.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 45.7 | 1.5% |
P/E Forward = 12.7389
P/S = 3.9952
P/B = 1.0899
P/EG = 1.23
Revenue TTM = 573.2m USD
EBIT TTM = 170.3m USD
EBITDA TTM = 177.4m USD
Long Term Debt = 100.3m USD (from longTermDebt, last quarter)
Short Term Debt = 50.0m USD (from shortTermDebt, last quarter)
Debt = 150.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 87.6m USD (calculated: Debt 150.3m - CCE 62.7m)
Enterprise Value = 1.68b USD (1.59b + Debt 150.3m - CCE 62.7m)
Interest Coverage Ratio = 1.05 (Ebit TTM 170.3m / Interest Expense TTM 162.8m)
EV/FCF = 14.93x (Enterprise Value 1.68b / FCF TTM 112.6m)
FCF Yield = 6.70% (FCF TTM 112.6m / Enterprise Value 1.68b)
FCF Margin = 19.64% (FCF TTM 112.6m / Revenue TTM 573.2m)
Net Margin = 23.71% (Net Income TTM 135.9m / Revenue TTM 573.2m)
Gross Margin = 69.55% ((Revenue TTM 573.2m - Cost of Revenue TTM 174.6m) / Revenue TTM)
Gross Margin QoQ = 71.98% (prev 68.48%)
Tobins Q-Ratio = 0.17 (Enterprise Value 1.68b / Total Assets 9.94b)
Interest Expense / Debt = 108.3% (Interest Expense 162.8m / Debt 150.3m)
Taxrate = 20.37% (8.97m / 44.0m)
NOPAT = 135.6m (EBIT 170.3m * (1 - 20.37%))
Current Ratio = 0.01 (Total Current Assets 98.3m / Total Current Liabilities 7.27b)
Debt / Equity = 0.11 (Debt 150.3m / totalStockholderEquity, last quarter 1.43b)
Debt / EBITDA = 0.49 (Net Debt 87.6m / EBITDA 177.4m)
Debt / FCF = 0.78 (Net Debt 87.6m / FCF TTM 112.6m)
Total Stockholder Equity = 1.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 135.9m / Total Assets 9.94b)
RoE = 9.35% (Net Income TTM 135.9m / Total Stockholder Equity 1.45b)
RoCE = 10.96% (EBIT 170.3m / Capital Employed (Equity 1.45b + L.T.Debt 100.3m))
RoIC = 1.37% (NOPAT 135.6m / Invested Capital 9.90b)
WACC = 7.68% (E(1.59b)/V(1.74b) * Re(8.40%) + (debt cost/tax rate unavailable))
Discount Rate = 8.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 20.0 | Cagr: -1.40%
[DCF] Terminal Value 77.97% ; FCFF base≈88.0m ; Y1≈100.9m ; Y5≈148.5m
[DCF] Fair Price = 59.67 (EV 2.23b - Net Debt 87.6m = Equity 2.15b / Shares 36.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -72.58 | EPS CAGR: -3.42% | SUE: 1.38 | # QB: 1
Revenue Correlation: 78.02 | Revenue CAGR: 4.79% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.91 | Chg30d=+2.24% | Revisions=+27% | Analysts=7
EPS next Quarter (2026-09-30): EPS=0.93 | Chg30d=+0.62% | Revisions=+9% | Analysts=7
EPS current Year (2026-12-31): EPS=3.73 | Chg30d=+2.35% | Revisions=+64% | GrowthEPS=+6.8% | GrowthRev=+3.2%
EPS next Year (2027-12-31): EPS=3.82 | Chg30d=+0.53% | Revisions=-9% | GrowthEPS=+2.6% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: +64%