44 USD
-0.12 (-0.27%)
Last: Feb 6, 2026, 03:02 PM
We assign a fundamental rating of 4 out of 10 to STBA. STBA was compared to 383 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.
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.
- STBA had positive earnings in each of the past 5 years.
- Of the past 5 years STBA 4 years had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 1.36%, STBA belongs to the best of the industry, outperforming 84.60% of the companies in the same industry.
- STBA has a Return On Equity of 9.04%. This is comparable to the rest of the industry: STBA outperforms 51.17% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With an excellent Profit Margin value of 34.01%, STBA belongs to the best of the industry, outperforming 88.25% of the companies in the same industry.
- In the last couple of years the Profit Margin of STBA has grown nicely.
- STBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
- STBA has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, STBA has an improved 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.
- STBA's Debt to FCF ratio of 0.68 is fine compared to the rest of the industry. STBA outperforms 76.50% of its industry peers.
- A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
- STBA's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. STBA outperforms 76.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
- STBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.48% yearly.
- The Revenue has been growing slightly by 4.51% in the past 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
- The Earnings Per Share is expected to grow by 3.89% on average over the next years.
- The Revenue is expected to grow by 4.97% on average over the next years.
EPS Next Y2.55%
EPS Next 2Y3.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.07%
Revenue Next 2Y4.97%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 12.57, STBA is valued correctly.
- STBA's Price/Earnings is on the same level as the industry average.
- STBA is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
- STBA is valuated correctly with a Price/Forward Earnings ratio of 12.26.
- STBA's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, STBA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 12.26 |
4.2 Price Multiples
- 61.88% 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 | 11.37 | ||
| 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)4.93
PEG (5Y)0.87
EPS Next 2Y3.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- STBA has a Yearly Dividend Yield of 3.42%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.71, STBA pays a bit more dividend than its industry peers.
- STBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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 2Y3.89%
EPS Next 3YN/A
NASDAQ:STBA (2/6/2026, 3:02:01 PM)
44
-0.12 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners73.06%
Inst Owner Change-1.07%
Ins Owners0.93%
Ins Owner Change0.42%
Market Cap1.68B
Revenue(TTM)402.12M
Net Income(TTM)133.33M
Analysts50.91
Price Target42.23 (-4.02%)
Short Float %1.86%
Short Ratio3.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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)0%
PT rev (3m)1.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.31%
EPS NY rev (1m)0%
EPS NY rev (3m)2.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.57 | ||
| Fwd PE | 12.26 | ||
| P/S | 4.29 | ||
| P/FCF | 11.37 | ||
| P/OCF | 11.05 | ||
| P/B | 1.14 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY7.95%
EPS(NY)3.59
Fwd EY8.16%
FCF(TTM)3.87
FCFY8.79%
OCF(TTM)3.98
OCFY9.05%
SpS10.26
BVpS38.6
TBVpS28.77
PEG (NY)4.93
PEG (5Y)0.87
Graham Number55.14
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)1.41%
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 Rank | Sector 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
WACC14.15%
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 Y2.55%
EPS Next 2Y3.89%
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 Year5.07%
Revenue Next 2Y4.97%
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 2.55% 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%.