S & T BANCORP INC (STBA)

US7838591011 - Common Stock

31.8  +0.02 (+0.06%)

After market: 31.8 0 (0%)

Fundamental Rating

4

Overall STBA gets a fundamental rating of 4 out of 10. We evaluated STBA against 411 industry peers in the Banks industry. STBA has an average financial health and profitability rating. STBA is valued correctly, but it does not seem to be growing. Finally STBA also has an excellent dividend rating.



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4

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.
In the past 5 years STBA has always been profitable.
STBA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of STBA (1.43%) is better than 87.59% of its industry peers.
Looking at the Return On Equity, with a value of 10.51%, STBA is in the better half of the industry, outperforming 65.69% of the companies in the same industry.
Industry RankSector Rank
ROA 1.43%
ROE 10.51%
ROIC N/A
ROA(3y)1.39%
ROA(5y)1.1%
ROE(3y)10.59%
ROE(5y)8.36%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

STBA has a Profit Margin of 33.90%. This is amongst the best in the industry. STBA outperforms 88.08% of its industry peers.
STBA's Profit Margin has been stable in the last couple of years.
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) 33.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y79.02%
PM growth 5Y-0.82%
GM growth 3YN/A
GM growth 5YN/A

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4

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 has been reduced compared to 1 year ago.
The number of shares outstanding for STBA has been increased compared to 5 years ago.
Compared to 1 year ago, STBA has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of STBA is 0.52, which is an excellent value as it means it would take STBA, only 0.52 years of fcf income to pay off all of its debts.
STBA has a better Debt to FCF ratio (0.52) than 83.45% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
STBA has a better Debt to Equity ratio (0.07) than 80.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.52
Altman-Z N/A
ROIC/WACCN/A
WACC12.39%

2.3 Liquidity

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

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1

3. Growth

3.1 Past

STBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.61%.
The Earnings Per Share has been growing slightly by 5.15% on average over the past years.
STBA shows a small growth in Revenue. In the last year, the Revenue has grown by 2.10%.
STBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.49% yearly.
EPS 1Y (TTM)-5.61%
EPS 3Y28.08%
EPS 5Y5.15%
EPS growth Q2Q-20.59%
Revenue 1Y (TTM)2.1%
Revenue growth 3Y6.28%
Revenue growth 5Y7.49%
Revenue growth Q2Q-5.58%

3.2 Future

The Earnings Per Share is expected to decrease by -9.27% on average over the next years.
The Revenue is expected to decrease by -1.53% on average over the next years.
EPS Next Y-17.42%
EPS Next 2Y-9.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.19%
Revenue Next 2Y-1.53%
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

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.01, 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 64.48% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.56, STBA is valued rather cheaply.
STBA is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
STBA's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 20.34. STBA is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 9.01
Fwd PE 10.33

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of STBA indicates a somewhat cheap valuation: STBA is cheaper than 69.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.12
EV/EBITDA N/A

4.3 Compensation for Growth

A cheap valuation may be justified as STBA's earnings are expected to decrease with -9.27% in the coming years.
PEG (NY)N/A
PEG (5Y)1.75
EPS Next 2Y-9.27%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

STBA has a Yearly Dividend Yield of 4.13%, which is a nice return.
STBA's Dividend Yield is a higher than the industry average which is at 3.68.
STBA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

The dividend of STBA has a limited annual growth rate of 5.39%.
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)5.39%
Div Incr Years11
Div Non Decr Years13

5.3 Sustainability

STBA pays out 36.69% of its income as dividend. This is a sustainable payout ratio.
DP36.69%
EPS Next 2Y-9.27%
EPS Next 3YN/A

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S & T BANCORP INC

NASDAQ:STBA (5/14/2024, 7:02:30 PM)

After market: 31.8 0 (0%)

31.8

+0.02 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.22B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 9.01
Fwd PE 10.33
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.75
Profitability
Industry RankSector Rank
ROA 1.43%
ROE 10.51%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 33.9%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-5.61%
EPS 3Y28.08%
EPS 5Y
EPS growth Q2Q
EPS Next Y-17.42%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.1%
Revenue growth 3Y6.28%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y