39.13 USD
-0.22 (-0.56%)
We assign a fundamental rating of 4 out of 10 to STBA. STBA was compared to 388 industry peers in the Banks industry. STBA has a medium profitability rating, but doesn't score so well on its financial health evaluation. STBA has a valuation in line with the averages, but it does not seem to be growing. Finally STBA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
STBA had positive earnings in the past year.
In the past year STBA had a positive cash flow from operations.
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
STBA's Return On Assets of 1.36% is amongst the best of the industry. STBA outperforms 84.79% of its industry peers.
With a Return On Equity value of 9.04%, STBA perfoms like the industry average, outperforming 52.06% of the companies in the same 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
STBA's Profit Margin of 34.01% is amongst the best of the industry. STBA outperforms 88.40% of its industry peers.
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.
Compared to 1 year ago, STBA has about the same amount of shares outstanding.
Compared to 5 years ago, STBA has less shares outstanding
Compared to 1 year ago, STBA has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of STBA is 0.68, which is an excellent value as it means it would take STBA, only 0.68 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of STBA (0.68) is better than 76.55% 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.
Looking at the Debt to Equity ratio, with a value of 0.07, STBA is in the better half of the industry, outperforming 77.06% 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
WACC14.57%
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.
Looking at the last year, STBA shows a decrease in Revenue. The Revenue has decreased by -0.17% in the last year.
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
The Earnings Per Share is expected to grow by 3.47% on average over the next years.
The Revenue is expected to grow by 4.61% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
STBA is valuated reasonably with a Price/Earnings ratio of 11.28.
Based on the Price/Earnings ratio, STBA is valued a bit cheaper than the industry average as 63.40% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.51, STBA is valued rather cheaply.
The Price/Forward Earnings ratio is 10.90, which indicates a very decent valuation of STBA.
STBA's Price/Forward Earnings ratio is in line with the industry average.
STBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.28 | ||
| Fwd PE | 10.9 |
4.2 Price Multiples
63.14% 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 | 10.11 | ||
| 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)2.37
PEG (5Y)5.67
EPS Next 2Y2.59%
EPS Next 3Y3.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.54%, STBA has a reasonable but not impressive dividend return.
STBA's Dividend Yield is a higher than the industry average which is at 2.74.
STBA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| 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%
NASDAQ:STBA (1/2/2026, 1:44:19 PM)
39.13
-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 (7.92%)
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 | 11.28 | ||
| Fwd PE | 10.9 | ||
| P/S | 3.81 | ||
| P/FCF | 10.11 | ||
| P/OCF | 9.82 | ||
| P/B | 1.01 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY8.87%
EPS(NY)3.59
Fwd EY9.17%
FCF(TTM)3.87
FCFY9.89%
OCF(TTM)3.98
OCFY10.18%
SpS10.26
BVpS38.6
TBVpS28.77
PEG (NY)2.37
PEG (5Y)5.67
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
WACC14.57%
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%.