39.49 USD
-1.14 (-2.81%)
39.49 USD
0 (0%)
STBA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While STBA is still in line with the averages on profitability rating, there are concerns on its financial health. STBA is valued correctly, but it does not seem to be growing. Finally 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.
In the past 5 years STBA always reported a positive cash flow from operatings.
1.2 Ratios
STBA has a better Return On Assets (1.36%) than 85.53% of its industry peers.
With a Return On Equity value of 9.04%, STBA perfoms like the industry average, outperforming 52.97% 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
With an excellent Profit Margin value of 34.01%, STBA belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
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 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.
STBA has less shares outstanding than it did 5 years ago.
STBA has a worse debt/assets ratio than last year.
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 78.04% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
The Debt to Equity ratio of STBA (0.07) is better than 77.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.39%
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.
STBA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.99% yearly.
STBA shows a decrease in Revenue. In the last year, the revenue decreased by -0.17%.
STBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.10% yearly.
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
Based on estimates for the next years, STBA will show a small growth in Earnings Per Share. The EPS will grow by 3.36% on average per year.
The Revenue is expected to grow by 4.43% on average over the next years.
EPS Next Y3.91%
EPS Next 2Y2.32%
EPS Next 3Y3.36%
EPS Next 5YN/A
Revenue Next Year3.97%
Revenue Next 2Y4.45%
Revenue Next 3Y4.43%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
The Price/Earnings ratio is 11.38, which indicates a very decent valuation of STBA.
The rest of the industry has a similar Price/Earnings ratio as STBA.
When comparing the Price/Earnings ratio of STBA to the average of the S&P500 Index (26.15), we can say STBA is valued rather cheaply.
A Price/Forward Earnings ratio of 11.06 indicates a reasonable valuation of STBA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of STBA is on the same level as its industry peers.
STBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 11.06 |
4.2 Price Multiples
STBA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. STBA is cheaper than 63.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.24 | ||
| 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)2.91
PEG (5Y)5.72
EPS Next 2Y2.32%
EPS Next 3Y3.36%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.79%, STBA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, STBA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, STBA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
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 39.20% of its income as dividend. This is a 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 2Y2.32%
EPS Next 3Y3.36%
39.49
-1.14 (-2.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners72.74%
Inst Owner Change-0.41%
Ins Owners0.92%
Ins Owner Change0.6%
Market Cap1.51B
Revenue(TTM)392.04M
Net Income(TTM)133.33M
Analysts50.91
Price Target41.21 (4.36%)
Short Float %1.57%
Short Ratio3.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.79% |
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP39.2%
Div Incr Years12
Div Non Decr Years14
Ex-Date
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)-1.46%
PT rev (3m)-1.46%
EPS NQ rev (1m)3.01%
EPS NQ rev (3m)3.5%
EPS NY rev (1m)1.85%
EPS NY rev (3m)2.39%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 11.06 | ||
| P/S | 3.86 | ||
| P/FCF | 10.24 | ||
| P/OCF | 9.95 | ||
| P/B | 1.03 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY8.79%
EPS(NY)3.57
Fwd EY9.04%
FCF(TTM)3.86
FCFY9.76%
OCF(TTM)3.97
OCFY10.05%
SpS10.22
BVpS38.47
TBVpS28.67
PEG (NY)2.91
PEG (5Y)5.72
Graham Number54.81
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
WACC14.39%
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 Y3.91%
EPS Next 2Y2.32%
EPS Next 3Y3.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.17%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%6.9%
Revenue Next Year3.97%
Revenue Next 2Y4.45%
Revenue Next 3Y4.43%
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.
Can you provide the valuation status for S & T BANCORP INC?
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.
Can you provide the PE and PB ratios for STBA stock?
The Price/Earnings (PE) ratio for S & T BANCORP INC (STBA) is 11.38 and the Price/Book (PB) ratio is 1.03.
Can you provide the financial health for STBA stock?
The financial health rating of S & T BANCORP INC (STBA) is 3 / 10.