S & T BANCORP INC (STBA) Stock Fundamental Analysis

NASDAQ:STBA • US7838591011

42.89 USD
+1.08 (+2.58%)
Last: Mar 2, 2026, 12:11 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

STBA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. STBA has only an average score on both its financial health and profitability. STBA has a correct valuation and a medium growth rate. STBA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year STBA was profitable.
  • In the past year STBA had a positive cash flow from operations.
  • Each year in the past 5 years STBA has been profitable.
  • STBA had a positive operating cash flow in 4 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 84.43% of its industry peers.
  • With a Return On Equity value of 9.04%, STBA perfoms like the industry average, outperforming 51.19% of the companies in the same industry.
Industry RankSector Rank
ROA 1.36%
ROE 9.04%
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

  • The Profit Margin of STBA (34.01%) is better than 87.60% of its industry peers.
  • STBA's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 34.01%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 5 years ago, STBA has less shares outstanding
  • STBA has a better debt/assets ratio than last year.
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

  • 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.
  • The Debt to FCF ratio of STBA (0.68) is better than 76.78% 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 has a Debt to Equity ratio of 0.07. This is in the better half of the industry: STBA outperforms 76.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.68
Altman-Z N/A
ROIC/WACCN/A
WACC14.22%
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 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. Growth

3.1 Past

  • STBA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.64%.
  • Measured over the past years, STBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.48% on average per year.
  • Looking at the last year, STBA shows a small growth in Revenue. The Revenue has grown by 4.51% in the last year.
  • Measured over the past years, STBA shows a small growth in Revenue. The Revenue has been growing by 3.47% on average per year.
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

  • Based on estimates for the next years, STBA will show a small growth in Earnings Per Share. The EPS will grow by 4.84% on average per year.
  • The Revenue is expected to grow by 4.87% on average over the next years.
EPS Next Y5.4%
EPS Next 2Y4.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.53%
Revenue Next 2Y4.87%
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.
  • 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • STBA is valuated correctly with a Price/Earnings ratio of 12.25.
  • The rest of the industry has a similar Price/Earnings ratio as STBA.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, STBA is valued rather cheaply.
  • STBA is valuated reasonably with a Price/Forward Earnings ratio of 11.63.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of STBA is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, STBA is valued rather cheaply.
Industry RankSector Rank
PE 12.25
Fwd PE 11.63
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

  • STBA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. STBA is cheaper than 64.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.85
EV/EBITDA N/A
STBA Per share dataSTBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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)2.27
PEG (5Y)0.85
EPS Next 2Y4.84%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • STBA has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, STBA pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, STBA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.27%

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
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

  • 39.20% of the earnings are spent on dividend by STBA. This is a low number and sustainable payout ratio.
  • STBA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP39.2%
EPS Next 2Y4.84%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

S & T BANCORP INC

NASDAQ:STBA (3/2/2026, 12:11:48 PM)

42.89

+1.08 (+2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners73.06%
Inst Owner Change-2.06%
Ins Owners0.93%
Ins Owner Change0.41%
Market Cap1.60B
Revenue(TTM)402.12M
Net Income(TTM)133.33M
Analysts50
Price Target45.49 (6.06%)
Short Float %2.18%
Short Ratio4.12
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP39.2%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-12
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)7.73%
PT rev (3m)10.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.78%
EPS NY rev (3m)3.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 12.25
Fwd PE 11.63
P/S 4.09
P/FCF 10.85
P/OCF 10.54
P/B 1.09
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)3.5
EY8.16%
EPS(NY)3.69
Fwd EY8.6%
FCF(TTM)3.95
FCFY9.22%
OCF(TTM)4.07
OCFY9.49%
SpS10.48
BVpS39.45
TBVpS29.4
PEG (NY)2.27
PEG (5Y)0.85
Graham Number55.74
Profitability
Industry RankSector 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)1.41%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.68
Debt/EBITDA N/A
Cap/Depr N/A
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
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.64%
EPS 3Y0.38%
EPS 5Y14.48%
EPS Q2Q%3.49%
EPS Next Y5.4%
EPS Next 2Y4.84%
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 Year5.53%
Revenue Next 2Y4.87%
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-4.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-3.78%
OCF growth 3YN/A
OCF growth 5YN/A

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 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 5.4% 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%.