39.35 USD
-0.22 (-0.56%)
39.35 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to STBA. 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. 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.
STBA had positive earnings in each of the past 5 years.
Each year in the past 5 years STBA had a positive operating cash flow.
1.2 Ratios
The Return On Assets of STBA (1.36%) is better than 84.54% of its industry peers.
The Return On Equity of STBA (9.04%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 9.04% | ||
| 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 34.01%, STBA belongs to the top of the industry, outperforming 88.40% 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.
The Operating Margin and Gross Margin are not available for STBA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.01% | ||
| 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.
STBA has a worse debt/assets ratio than last year.
2.2 Solvency
STBA has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.68, STBA is doing good in the industry, outperforming 76.29% 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.
Looking at the Debt to Equity ratio, with a value of 0.07, STBA is in the better half of the industry, outperforming 76.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.54%
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 -1.14%.
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%.
The Revenue has been growing slightly by 5.10% on average over the past years.
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
STBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.47% yearly.
Based on estimates for the next years, STBA will show a small growth in Revenue. The Revenue will grow by 4.61% on average per year.
EPS Next Y4.75%
EPS Next 2Y2.59%
EPS Next 3Y3.47%
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.47%
Revenue Next 3Y4.61%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.34, which indicates a very decent valuation of STBA.
Based on the Price/Earnings ratio, STBA is valued a bit cheaper than 63.14% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. STBA is valued rather cheaply when compared to this.
STBA is valuated reasonably with a Price/Forward Earnings ratio of 10.96.
STBA's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.13. STBA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 10.96 |
4.2 Price Multiples
62.89% of the companies in the same industry are more expensive than STBA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.39
PEG (5Y)5.7
EPS Next 2Y2.59%
EPS Next 3Y3.47%
5. Dividend
5.1 Amount
STBA has a Yearly Dividend Yield of 3.54%. Purely for dividend investing, there may be better candidates out there.
STBA's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, STBA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
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 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
39.20% of the earnings are spent on dividend by STBA. This is a low number and sustainable payout ratio.
The dividend of STBA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.2%
EPS Next 2Y2.59%
EPS Next 3Y3.47%
39.35
-0.22 (-0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.84%
Inst Owner Change-0.4%
Ins Owners0.93%
Ins Owner Change0.47%
Market Cap1.50B
Revenue(TTM)392.04M
Net Income(TTM)133.33M
Analysts50.91
Price Target42.23 (7.32%)
Short Float %1.74%
Short Ratio3.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP39.2%
Div Incr Years12
Div Non Decr Years14
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.59%
Min EPS beat(2)0.99%
Max EPS beat(2)4.18%
EPS beat(4)4
Avg EPS beat(4)7.21%
Min EPS beat(4)0.99%
Max EPS beat(4)14.12%
EPS beat(8)8
Avg EPS beat(8)7.56%
EPS beat(12)10
Avg EPS beat(12)5.51%
EPS beat(16)13
Avg EPS beat(16)6.29%
Revenue beat(2)0
Avg Revenue beat(2)-1.43%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-0.96%
Revenue beat(4)0
Avg Revenue beat(4)-3.01%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)-0.96%
Revenue beat(8)1
Avg Revenue beat(8)-3.37%
Revenue beat(12)2
Avg Revenue beat(12)-2.77%
Revenue beat(16)4
Avg Revenue beat(16)-2.13%
PT rev (1m)2.48%
PT rev (3m)0.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.5%
EPS NY rev (1m)0.81%
EPS NY rev (3m)3.22%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.13%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 10.96 | ||
| P/S | 3.84 | ||
| P/FCF | 10.17 | ||
| P/OCF | 9.88 | ||
| P/B | 1.02 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY8.82%
EPS(NY)3.59
Fwd EY9.12%
FCF(TTM)3.87
FCFY9.83%
OCF(TTM)3.98
OCFY10.12%
SpS10.26
BVpS38.6
TBVpS28.77
PEG (NY)2.39
PEG (5Y)5.7
Graham Number54.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.36% | ||
| ROE | 9.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.01% | ||
| GM | N/A | ||
| FCFM | 37.72% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 40.31% | ||
| Cap/Sales | 1.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 110.91% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.54%
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 Y4.75%
EPS Next 2Y2.59%
EPS Next 3Y3.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.17%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%6.9%
Revenue Next Year3.88%
Revenue Next 2Y4.47%
Revenue Next 3Y4.61%
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-8.38%
FCF growth 3Y-7.1%
FCF growth 5Y5.05%
OCF growth 1Y-9%
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.
What is the valuation status of S & T BANCORP INC (STBA) stock?
ChartMill assigns a valuation rating of 5 / 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 4.75% 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 39.2%.