S & T BANCORP INC (STBA) Stock Fundamental Analysis
NASDAQ:STBA - Nasdaq - US7838591011 - Common Stock - Currency: USD
Taking everything into account, STBA scores 4 out of 10 in our fundamental rating. STBA was compared to 395 industry peers in the Banks industry. Both the profitability and the financial health of STBA get a neutral evaluation. Nothing too spectacular is happening here. STBA has a valuation in line with the averages, but on the other hand it scores bad on growth. STBA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
STBA had positive earnings in the past year.
STBA had a positive operating cash flow in the past year.
In the past 5 years STBA has always been profitable.
STBA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
STBA has a better Return On Assets (1.37%) than 86.84% of its industry peers.
STBA has a Return On Equity (9.41%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 9.41% | ||
| ROIC | N/A |
ROA(3y)1.45%
ROA(5y)1.15%
ROE(3y)10.73%
ROE(5y)8.62%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of STBA (34.91%) is better than 91.39% of its industry peers.
In the last couple of years the Profit Margin of STBA has remained more or less at the same level.
STBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.91% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.96%
PM growth 5Y0.88%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
STBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
STBA has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for STBA has been reduced compared to 5 years ago.
The debt/assets ratio for STBA is higher compared to a year ago.
2.2 Solvency
STBA has a debt to FCF ratio of 0.66. This is a very positive value and a sign of high solvency as it would only need 0.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.66, STBA belongs to the top of the industry, outperforming 80.76% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
The Debt to Equity ratio of STBA (0.07) is better than 77.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.2%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
STBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.70%.
Measured over the past 5 years, STBA shows a small growth in Earnings Per Share. The EPS has been growing by 1.99% on average per year.
Looking at the last year, STBA shows a decrease in Revenue. The Revenue has decreased by -4.77% in the last year.
The Revenue has been growing slightly by 5.10% on average over the past years.
EPS 1Y (TTM)-1.7%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.41%
Revenue 1Y (TTM)-4.77%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%-2.65%
3.2 Future
STBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.65% yearly.
Based on estimates for the next years, STBA will show a small growth in Revenue. The Revenue will grow by 4.02% on average per year.
EPS Next Y-3.14%
EPS Next 2Y0.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.48%
Revenue Next 2Y4.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.71, the valuation of STBA can be described as very reasonable.
Based on the Price/Earnings ratio, STBA is valued a bit cheaper than the industry average as 68.10% of the companies are valued more expensively.
STBA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.65.
STBA is valuated reasonably with a Price/Forward Earnings ratio of 10.76.
Based on the Price/Forward Earnings ratio, STBA is valued a bit more expensive than the industry average as 60.76% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of STBA to the average of the S&P500 Index (21.27), we can say STBA is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 10.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of STBA indicates a somewhat cheap valuation: STBA is cheaper than 64.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)5.38
EPS Next 2Y0.65%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.78%, STBA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.61, STBA pays a bit more dividend than its industry peers.
STBA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
5.2 History
The dividend of STBA has a limited annual growth rate of 5.77%.
STBA has paid a dividend for at least 10 years, which is a reliable track record.
STBA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.77%
Div Incr Years12
Div Non Decr Years14
5.3 Sustainability
38.50% of the earnings are spent on dividend by STBA. This is a low number and sustainable payout ratio.
STBA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.5%
EPS Next 2Y0.65%
EPS Next 3YN/A
37.16
+1.16 (+3.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.37%
Inst Owner Change-0.11%
Ins Owners0.92%
Ins Owner Change7.45%
Market Cap1.42B
Analysts50
Price Target41.57 (11.87%)
Short Float %2.04%
Short Ratio5.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.78% |
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP38.5%
Div Incr Years12
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.84%
Min EPS beat(2)9.56%
Max EPS beat(2)14.12%
EPS beat(4)4
Avg EPS beat(4)11.04%
Min EPS beat(4)3.21%
Max EPS beat(4)17.28%
EPS beat(8)6
Avg EPS beat(8)5.91%
EPS beat(12)10
Avg EPS beat(12)6.97%
EPS beat(16)13
Avg EPS beat(16)6.75%
Revenue beat(2)0
Avg Revenue beat(2)-4.6%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-4.54%
Revenue beat(4)0
Avg Revenue beat(4)-6.02%
Min Revenue beat(4)-10.4%
Max Revenue beat(4)-4.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.63%
Revenue beat(12)4
Avg Revenue beat(12)-2.37%
Revenue beat(16)4
Avg Revenue beat(16)-2.17%
PT rev (1m)0%
PT rev (3m)-4.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.03%
EPS NY rev (1m)0%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 10.76 | ||
| P/S | 3.73 | ||
| P/FCF | 9.4 | ||
| P/OCF | 9.15 | ||
| P/B | 1 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY9.34%
EPS(NY)3.45
Fwd EY9.3%
FCF(TTM)3.96
FCFY10.64%
OCF(TTM)4.06
OCFY10.93%
SpS9.97
BVpS37
TBVpS27.18
PEG (NY)N/A
PEG (5Y)5.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 9.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.91% | ||
| GM | N/A | ||
| FCFM | 39.66% |
ROA(3y)1.45%
ROA(5y)1.15%
ROE(3y)10.73%
ROE(5y)8.62%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.96%
PM growth 5Y0.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 37.52% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 113.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC15.2%
ROIC/WACCN/A
Cap/Depr(3y)51.2%
Cap/Depr(5y)51.19%
Cap/Sales(3y)1.12%
Cap/Sales(5y)1.2%
Profit Quality(3y)139.77%
Profit Quality(5y)168.34%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.7%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.41%
EPS Next Y-3.14%
EPS Next 2Y0.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.77%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%-2.65%
Revenue Next Year2.48%
Revenue Next 2Y4.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.67%
FCF growth 3Y-7.1%
FCF growth 5Y5.05%
OCF growth 1Y-20.45%
OCF growth 3Y-7.08%
OCF growth 5Y4.61%