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 391 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. Finally STBA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

STBA had positive earnings in the past year.

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

In the past 5 years STBA has always been profitable.

Each year in the past 5 years STBA had a positive operating cash flow.

1.2 Ratios

STBA has a better Return On Assets (1.33%) than 85.68% of its industry peers.

With a Return On Equity value of 9.06%, STBA perfoms like the industry average, outperforming 56.52% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.33%
ROE	9.06%
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

With an excellent Profit Margin value of 33.98%, STBA belongs to the best of the industry, outperforming 89.00% 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)	33.98%
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.

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

STBA has a debt to FCF ratio of 0.74. This is a very positive value and a sign of high solvency as it would only need 0.74 years to pay back of all of its debts.

STBA has a better Debt to FCF ratio (0.74) than 78.26% 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.

The Debt to Equity ratio of STBA (0.07) is better than 78.01% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.74
Altman-Z	N/A

ROIC/WACCN/A

WACC15.06%

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%.

The Earnings Per Share has been growing slightly by 1.99% on average over the past years.

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 1.21% on average over the next years.

Based on estimates for the next years, STBA will show a small growth in Revenue. The Revenue will grow by 4.40% on average per year.

EPS Next Y1.49%

EPS Next 2Y1.21%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.71%

Revenue Next 2Y4.4%

Revenue Next 3YN/A

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 decreasing.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.16, the valuation of STBA can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of STBA indicates a somewhat cheap valuation: STBA is cheaper than 68.03% of the companies listed in the same industry.

STBA is valuated cheaply when we compare the Price/Earnings ratio to 27.31, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of STBA.

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

When comparing the Price/Forward Earnings ratio of STBA to the average of the S&P500 Index (22.85), we can say STBA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.16
Fwd PE	9.92

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STBA is valued a bit cheaper than 64.19% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.86
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)6.83

PEG (5Y)5.11

EPS Next 2Y1.21%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.71%, STBA has a reasonable but not impressive dividend return.

STBA's Dividend Yield is a higher than the industry average which is at 3.55.

Compared to an average S&P500 Dividend Yield of 2.40, STBA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.71%

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 39.59% 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.

DP39.59%

EPS Next 2Y1.21%

EPS Next 3YN/A

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S & T BANCORP INC

NASDAQ:STBA (10/16/2025, 8:16:27 PM)

After market: 34.65 0 (0%)

34.65

-1.76 (-4.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-23 2025-10-23/bmo

Inst Owners72.74%

Inst Owner Change-0.02%

Ins Owners0.92%

Ins Owner Change1.56%

Market Cap1.33B

Analysts51.67

Price Target41.82 (20.69%)

Short Float %1.78%

Short Ratio5.14

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.71%

Yearly Dividend1.33

Dividend Growth(5Y)5.77%

DP39.59%

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)7.56%

Min EPS beat(2)0.99%

Max EPS beat(2)14.12%

EPS beat(4)4

Avg EPS beat(4)6.97%

Min EPS beat(4)0.99%

Max EPS beat(4)14.12%

EPS beat(8)7

Avg EPS beat(8)6.32%

EPS beat(12)10

Avg EPS beat(12)6.21%

EPS beat(16)13

Avg EPS beat(16)6.64%

Revenue beat(2)0

Avg Revenue beat(2)-2.81%

Min Revenue beat(2)-4.65%

Max Revenue beat(2)-0.96%

Revenue beat(4)0

Avg Revenue beat(4)-3.66%

Min Revenue beat(4)-4.65%

Max Revenue beat(4)-0.96%

Revenue beat(8)1

Avg Revenue beat(8)-3.61%

Revenue beat(12)3

Avg Revenue beat(12)-2.54%

Revenue beat(16)4

Avg Revenue beat(16)-2.02%

PT rev (1m)0%

PT rev (3m)0.61%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.29%

EPS NY rev (1m)0%

EPS NY rev (3m)4.34%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.25%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.32%

Valuation

		Industry Rank	Sector Rank
PE	10.16
Fwd PE	9.92
P/S	3.45
P/FCF	9.86
P/OCF	9.54
P/B	0.92
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)3.41

EY9.84%

EPS(NY)3.49

Fwd EY10.08%

FCF(TTM)3.51

FCFY10.14%

OCF(TTM)3.63

OCFY10.48%

SpS10.05

BVpS37.69

TBVpS27.89

PEG (NY)6.83

PEG (5Y)5.11

Profitability

		Industry Rank	Sector Rank
ROA	1.33%
ROE	9.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.98%
GM	N/A
FCFM	34.98%

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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.74
Debt/EBITDA	N/A
Cap/Depr	41.43%
Cap/Sales	1.17%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	102.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.06%

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 Y1.49%

EPS Next 2Y1.21%

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 Year3.71%

Revenue Next 2Y4.4%

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-15.65%

FCF growth 3Y-7.1%

FCF growth 5Y5.05%

OCF growth 1Y-15.48%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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