S & T BANCORP INC (STBA) Fundamental Analysis & Valuation

NASDAQ:STBA • US7838591011

Current stock price

40.97 USD
-0.11 (-0.27%)
Last:

This STBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. STBA Profitability Analysis

1.1 Basic Checks

  • STBA had positive earnings in the past year.
  • STBA had a positive operating cash flow in the past year.
  • Each year in the past 5 years STBA has been profitable.
  • STBA had a positive operating cash flow in each of the past 5 years.
STBA Yearly Net Income VS EBIT VS OCF VS FCFSTBA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • STBA's Return On Assets of 1.36% is amongst the best of the industry. STBA outperforms 83.42% of its industry peers.
  • STBA has a Return On Equity of 9.17%. This is comparable to the rest of the industry: STBA outperforms 50.53% of its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 9.17%
ROIC N/A
ROA(3y)1.41%
ROA(5y)1.37%
ROE(3y)9.98%
ROE(5y)10.09%
ROIC(3y)N/A
ROIC(5y)N/A
STBA Yearly ROA, ROE, ROICSTBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • STBA has a better Profit Margin (33.38%) than 85.79% of its industry peers.
  • In the last couple of years the Profit Margin of STBA has grown nicely.
  • The Operating Margin and Gross Margin are not available for STBA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 33.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.59%
PM growth 5Y40.06%
GM growth 3YN/A
GM growth 5YN/A
STBA Yearly Profit, Operating, Gross MarginsSTBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. STBA Health Analysis

2.1 Basic Checks

  • STBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, STBA has less shares outstanding
  • The number of shares outstanding for STBA has been reduced compared to 5 years ago.
  • The debt/assets ratio for STBA has been reduced compared to a year ago.
STBA Yearly Shares OutstandingSTBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
STBA Yearly Total Debt VS Total AssetsSTBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of STBA is 0.78, which is an excellent value as it means it would take STBA, only 0.78 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.78, STBA is in the better half of the industry, outperforming 73.42% of the companies in the same industry.
  • STBA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of STBA (0.07) is better than 76.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.78
Altman-Z N/A
ROIC/WACCN/A
WACC15.45%
STBA Yearly LT Debt VS Equity VS FCFSTBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STBA Yearly Current Assets VS Current LiabilitesSTBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. STBA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.64% over the past year.
  • The Earnings Per Share has been growing by 14.48% on average over the past years. This is quite good.
  • STBA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.51%.
  • The Revenue has been growing slightly by 3.47% on average over the past years.
EPS 1Y (TTM)2.64%
EPS 3Y0.38%
EPS 5Y14.48%
EPS Q2Q%3.49%
Revenue 1Y (TTM)4.51%
Revenue growth 3Y2.44%
Revenue growth 5Y3.47%
Sales Q2Q%11.62%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.89% on average over the next years.
  • STBA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.88% yearly.
EPS Next Y5.47%
EPS Next 2Y4.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.63%
Revenue Next 2Y4.88%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
STBA Yearly Revenue VS EstimatesSTBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
STBA Yearly EPS VS EstimatesSTBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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4

4. STBA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.71, the valuation of STBA can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of STBA is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of STBA to the average of the S&P500 Index (25.50), we can say STBA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.10, the valuation of STBA can be described as reasonable.
  • STBA's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. STBA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.71
Fwd PE 11.1
STBA Price Earnings VS Forward Price EarningsSTBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as STBA.
Industry RankSector Rank
P/FCF 11.62
EV/EBITDA N/A
STBA Per share dataSTBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)2.14
PEG (5Y)0.81
EPS Next 2Y4.89%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. STBA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.59%, STBA has a reasonable but not impressive dividend return.
  • STBA's Dividend Yield is a higher than the industry average which is at 2.78.
  • STBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.59%

5.2 History

  • The dividend of STBA has a limited annual growth rate of 4.67%.
  • STBA has been paying a dividend for at least 10 years, so it has 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)4.67%
Div Incr Years12
Div Non Decr Years14
STBA Yearly Dividends per shareSTBA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • STBA pays out 39.40% of its income as dividend. This is a sustainable payout ratio.
  • STBA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP39.4%
EPS Next 2Y4.89%
EPS Next 3YN/A
STBA Yearly Income VS Free CF VS DividendSTBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
STBA Dividend Payout.STBA Dividend Payout, showing the Payout Ratio.STBA Dividend Payout.PayoutRetained Earnings

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STBA Fundamentals: All Metrics, Ratios and Statistics

S & T BANCORP INC

NASDAQ:STBA (3/25/2026, 2:58:17 PM)

40.97

-0.11 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners72.86%
Inst Owner Change-2.06%
Ins Owners0.95%
Ins Owner Change0.41%
Market Cap1.50B
Revenue(TTM)402.12M
Net Income(TTM)134.23M
Analysts72.31
Price Target45.49 (11.03%)
Short Float %3.07%
Short Ratio4.83
Dividend
Industry RankSector Rank
Dividend Yield 3.59%
Yearly Dividend1.4
Dividend Growth(5Y)4.67%
DP39.4%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-12
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.02%
Min EPS beat(2)-0.15%
Max EPS beat(2)4.18%
EPS beat(4)3
Avg EPS beat(4)4.79%
Min EPS beat(4)-0.15%
Max EPS beat(4)14.12%
EPS beat(8)7
Avg EPS beat(8)6.32%
EPS beat(12)9
Avg EPS beat(12)4.86%
EPS beat(16)13
Avg EPS beat(16)7.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-0.23%
Revenue beat(4)0
Avg Revenue beat(4)-1.94%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)-0.23%
Revenue beat(8)0
Avg Revenue beat(8)-3.57%
Revenue beat(12)1
Avg Revenue beat(12)-3%
Revenue beat(16)4
Avg Revenue beat(16)-2.07%
PT rev (1m)4.94%
PT rev (3m)10.4%
EPS NQ rev (1m)0.07%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)0.07%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.53%
Valuation
Industry RankSector Rank
PE 11.71
Fwd PE 11.1
P/S 3.72
P/FCF 11.62
P/OCF 11.21
P/B 1.02
P/tB 1.38
EV/EBITDA N/A
EPS(TTM)3.5
EY8.54%
EPS(NY)3.69
Fwd EY9.01%
FCF(TTM)3.53
FCFY8.6%
OCF(TTM)3.66
OCFY8.92%
SpS11
BVpS40.05
TBVpS29.77
PEG (NY)2.14
PEG (5Y)0.81
Graham Number56.16
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 9.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.38%
GM N/A
FCFM 32.04%
ROA(3y)1.41%
ROA(5y)1.37%
ROE(3y)9.98%
ROE(5y)10.09%
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 3Y-2.59%
PM growth 5Y40.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.78
Debt/EBITDA N/A
Cap/Depr 45.65%
Cap/Sales 1.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.45%
ROIC/WACCN/A
Cap/Depr(3y)51.97%
Cap/Depr(5y)46.11%
Cap/Sales(3y)1.16%
Cap/Sales(5y)1.12%
Profit Quality(3y)113.42%
Profit Quality(5y)141.73%
High Growth Momentum
Growth
EPS 1Y (TTM)2.64%
EPS 3Y0.38%
EPS 5Y14.48%
EPS Q2Q%3.49%
EPS Next Y5.47%
EPS Next 2Y4.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.51%
Revenue growth 3Y2.44%
Revenue growth 5Y3.47%
Sales Q2Q%11.62%
Revenue Next Year5.63%
Revenue Next 2Y4.88%
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-24.37%
FCF growth 3Y-18.33%
FCF growth 5Y21.78%
OCF growth 1Y-22.93%
OCF growth 3Y-17.78%
OCF growth 5Y20.09%

S & T BANCORP INC / STBA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for S & T BANCORP INC?

ChartMill assigns a fundamental rating of 4 / 10 to STBA.


What is the valuation status of S & T BANCORP INC (STBA) stock?

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.


What is the expected EPS growth for S & T BANCORP INC (STBA) stock?

The Earnings per Share (EPS) of S & T BANCORP INC (STBA) is expected to grow by 5.47% in the next year.


How sustainable is the dividend of S & T BANCORP INC (STBA) stock?

The dividend rating of S & T BANCORP INC (STBA) is 7 / 10 and the dividend payout ratio is 39.4%.