S & T BANCORP INC (STBA) Stock Fundamental Analysis
USA - NASDAQ:STBA - US7838591011 - Common Stock
37.97 USD
+0.06 (+0.16%)
37.97 USD
0 (0%)
Taking everything into account, STBA scores 4 out of 10 in our fundamental rating. STBA was compared to 388 industry peers in the Banks industry. There are concerns on the financial health of STBA while its profitability can be described as average. STBA is valued correctly, but it does not seem to be growing. Finally STBA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year STBA was profitable.
STBA had a positive operating cash flow in the past year.
Each year in the past 5 years STBA has been profitable.
Each year in the past 5 years STBA had a positive operating cash flow.
1.2 Ratios
STBA has a better Return On Assets (1.33%) than 84.54% of its industry peers.
STBA has a Return On Equity of 9.06%. This is comparable to the rest of the industry: STBA outperforms 53.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.33% | ||
| ROE | 9.06% | ||
| 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
Looking at the Profit Margin, with a value of 33.98%, STBA belongs to the top of the industry, outperforming 88.66% of the companies in the same industry.
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) | 33.98% | ||
| 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.
Compared to 1 year ago, STBA has a worse debt to assets ratio.
2.2 Solvency
STBA has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.74, STBA is doing good in the industry, outperforming 76.55% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
STBA has a Debt to Equity ratio of 0.07. This is in the better half of the industry: STBA outperforms 77.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for STBA have decreased by -1.14% in the last year.
The Earnings Per Share has been growing slightly by 1.99% on average over the past years.
STBA shows a decrease in Revenue. In the last year, the revenue decreased by -0.17%.
STBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.10% yearly.
EPS 1Y (TTM)-1.14%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.06%
Revenue 1Y (TTM)-0.17%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%6.9%
3.2 Future
Based on estimates for the next years, STBA will show a small growth in Earnings Per Share. The EPS will grow by 3.36% on average per year.
STBA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.43% yearly.
EPS Next Y3.91%
EPS Next 2Y2.32%
EPS Next 3Y3.36%
EPS Next 5YN/A
Revenue Next Year3.97%
Revenue Next 2Y4.45%
Revenue Next 3Y4.43%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
STBA is valuated reasonably with a Price/Earnings ratio of 10.94.
STBA's Price/Earnings ratio is in line with the industry average.
STBA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.07.
The Price/Forward Earnings ratio is 10.64, which indicates a very decent valuation of STBA.
STBA's Price/Forward Earnings is on the same level as the industry average.
STBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of STBA is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates STBA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.8
PEG (5Y)5.5
EPS Next 2Y2.32%
EPS Next 3Y3.36%
5. Dividend
5.1 Amount
STBA has a Yearly Dividend Yield of 3.74%.
Compared to an average industry Dividend Yield of 3.39, 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 | 3.74% |
5.2 History
The dividend of STBA has a limited annual growth rate of 5.77%.
STBA has been paying a dividend for at least 10 years, so it has a reliable track record.
STBA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.77%
Div Incr Years12
Div Non Decr Years14
5.3 Sustainability
STBA pays out 39.59% of its income as dividend. This is a sustainable payout ratio.
STBA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP39.59%
EPS Next 2Y2.32%
EPS Next 3Y3.36%
37.97
+0.06 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.74%
Inst Owner Change-0.32%
Ins Owners0.92%
Ins Owner Change1.25%
Market Cap1.46B
Revenue(TTM)392.04M
Net Income(TTM)130.96M
Analysts50.91
Price Target41.41 (9.06%)
Short Float %1.57%
Short Ratio3.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.74% |
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP39.59%
Div Incr Years12
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.56%
Min EPS beat(2)0.99%
Max EPS beat(2)14.12%
EPS beat(4)4
Avg EPS beat(4)6.97%
Min EPS beat(4)0.99%
Max EPS beat(4)14.12%
EPS beat(8)7
Avg EPS beat(8)6.32%
EPS beat(12)10
Avg EPS beat(12)6.21%
EPS beat(16)13
Avg EPS beat(16)6.64%
Revenue beat(2)0
Avg Revenue beat(2)-2.81%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-0.96%
Revenue beat(4)0
Avg Revenue beat(4)-3.66%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)-0.96%
Revenue beat(8)1
Avg Revenue beat(8)-3.61%
Revenue beat(12)3
Avg Revenue beat(12)-2.54%
Revenue beat(16)4
Avg Revenue beat(16)-2.02%
PT rev (1m)-0.98%
PT rev (3m)-0.98%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)0.61%
EPS NY rev (1m)2.39%
EPS NY rev (3m)6.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.94 | ||
| Fwd PE | 10.64 | ||
| P/S | 3.78 | ||
| P/FCF | 10.8 | ||
| P/OCF | 10.45 | ||
| P/B | 1.01 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY9.14%
EPS(NY)3.57
Fwd EY9.4%
FCF(TTM)3.51
FCFY9.26%
OCF(TTM)3.63
OCFY9.57%
SpS10.05
BVpS37.69
TBVpS27.89
PEG (NY)2.8
PEG (5Y)5.5
Graham Number54.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.33% | ||
| ROE | 9.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.98% | ||
| GM | N/A | ||
| FCFM | 34.98% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41.43% | ||
| Cap/Sales | 1.17% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.68%
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)-1.14%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.06%
EPS Next Y3.91%
EPS Next 2Y2.32%
EPS Next 3Y3.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.17%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%6.9%
Revenue Next Year3.97%
Revenue Next 2Y4.45%
Revenue Next 3Y4.43%
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-15.65%
FCF growth 3Y-7.1%
FCF growth 5Y5.05%
OCF growth 1Y-15.48%
OCF growth 3Y-7.08%
OCF growth 5Y4.61%
S & T BANCORP INC / STBA FAQ
Can you provide the ChartMill fundamental rating for S & T BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to STBA.
Can you provide the valuation status for S & T BANCORP INC?
ChartMill assigns a valuation rating of 4 / 10 to S & T BANCORP INC (STBA). This can be considered as Fairly Valued.
Can you provide the profitability details for S & T BANCORP INC?
S & T BANCORP INC (STBA) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for STBA stock?
The Price/Earnings (PE) ratio for S & T BANCORP INC (STBA) is 10.94 and the Price/Book (PB) ratio is 1.01.
Can you provide the financial health for STBA stock?
The financial health rating of S & T BANCORP INC (STBA) is 3 / 10.