STBA Fundamental Analysis - S & T BANCORP INC

Fundamental Rating

STBA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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 is valued correctly, but it does not seem to be growing. STBA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year STBA was profitable.

STBA had a positive operating cash flow in the past year.

STBA had positive earnings in each of the past 5 years.

STBA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

STBA has a Return On Assets of 1.37%. This is amongst the best in the industry. STBA outperforms 86.51% of its industry peers.

STBA has a Return On Equity of 9.41%. This is comparable to the rest of the industry: STBA outperforms 59.80% of its industry peers.

		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

STBA has a Profit Margin of 34.91%. This is amongst the best in the industry. STBA outperforms 92.37% of its industry peers.

STBA's Profit Margin has been stable in the last couple of years.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

STBA does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for STBA remains at a similar level compared to 1 year ago.

The number of shares outstanding for STBA has been reduced compared to 5 years ago.

STBA has a worse debt/assets ratio than last year.

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.

STBA's Debt to FCF ratio of 0.66 is amongst the best of the industry. STBA outperforms 80.66% of its industry peers.

STBA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

STBA's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. STBA outperforms 77.86% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.66
Altman-Z	N/A

ROIC/WACCN/A

WACC14.69%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

STBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.40%.

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.

The Revenue has decreased by -2.67% in the past year.

Measured over the past years, STBA shows a small growth in Revenue. The Revenue has been growing by 5.10% on average per year.

EPS 1Y (TTM)-3.4%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-6.74%

Revenue 1Y (TTM)-2.67%

Revenue growth 3Y4.06%

Revenue growth 5Y5.1%

Sales Q2Q%13.68%

3.2 Future

The Earnings Per Share is expected to grow by 0.34% 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 4.02% yearly.

EPS Next Y-2.74%

EPS Next 2Y0.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.03%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.50, the valuation of STBA can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of STBA indicates a somewhat cheap valuation: STBA is cheaper than 67.18% of the companies listed in the same industry.

STBA is valuated cheaply when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.

STBA is valuated reasonably with a Price/Forward Earnings ratio of 11.42.

The rest of the industry has a similar Price/Forward Earnings ratio as STBA.

STBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.82, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.5
Fwd PE	11.42

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STBA is valued a bit cheaper than the industry average as 69.97% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.92
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)5.78

EPS Next 2Y0.34%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

STBA has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.41, STBA pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, STBA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.57%

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

STBA pays out 38.50% 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.

DP38.5%

EPS Next 2Y0.34%

EPS Next 3YN/A

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S & T BANCORP INC

NASDAQ:STBA (8/22/2025, 8:00:00 PM)

After market: 39.21 0 (0%)

39.21

+1.91 (+5.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-15 2025-10-15/bmo

Inst Owners72.45%

Inst Owner Change0.77%

Ins Owners0.92%

Ins Owner Change7.43%

Market Cap1.50B

Analysts51.67

Price Target41.82 (6.66%)

Short Float %1.71%

Short Ratio4.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.57%

Yearly Dividend1.33

Dividend Growth(5Y)5.77%

DP38.5%

Div Incr Years12

Div Non Decr Years14

Ex-Date08-14 2025-08-14 (0.34)

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)0.61%

PT rev (3m)0.61%

EPS NQ rev (1m)0.09%

EPS NQ rev (3m)0.71%

EPS NY rev (1m)0%

EPS NY rev (3m)0.42%

Revenue NQ rev (1m)-0.12%

Revenue NQ rev (3m)-0.24%

Revenue NY rev (1m)0.66%

Revenue NY rev (3m)0.54%

Valuation

		Industry Rank	Sector Rank
PE	11.5
Fwd PE	11.42
P/S	3.93
P/FCF	9.92
P/OCF	9.66
P/B	1.06
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)3.41

EY8.7%

EPS(NY)3.43

Fwd EY8.76%

FCF(TTM)3.95

FCFY10.08%

OCF(TTM)4.06

OCFY10.35%

SpS9.97

BVpS36.98

TBVpS27.17

PEG (NY)N/A

PEG (5Y)5.78

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

WACC14.69%

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)-3.4%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-6.74%

EPS Next Y-2.74%

EPS Next 2Y0.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-2.67%

Revenue growth 3Y4.06%

Revenue growth 5Y5.1%

Sales Q2Q%13.68%

Revenue Next Year3.03%

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%

S & T BANCORP INC (STBA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens