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S & T BANCORP INC (STBA) Stock Fundamental Analysis

NASDAQ:STBA - Nasdaq - US7838591011 - Common Stock - Currency: USD

39.19  -0.56 (-1.41%)

After market: 39.19 0 (0%)

Fundamental Rating

4

Overall STBA gets a fundamental rating of 4 out of 10. We evaluated STBA against 394 industry peers in the Banks industry. Both the profitability and the financial health of STBA get a neutral evaluation. Nothing too spectacular is happening here. STBA has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

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.
STBA had positive earnings in each of the past 5 years.
STBA had a positive operating cash flow in each 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.37%, STBA belongs to the top of the industry, outperforming 86.80% of the companies in the same industry.
STBA has a Return On Equity of 9.41%. This is in the better half of the industry: STBA outperforms 60.15% of its industry peers.
Industry RankSector Rank
ROA 1.37%
ROE 9.41%
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
STBA Yearly ROA, ROE, ROICSTBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

STBA's Profit Margin of 34.91% is amongst the best of the industry. STBA outperforms 91.62% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 34.91%
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
STBA Yearly Profit, Operating, Gross MarginsSTBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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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.
Compared to 1 year ago, STBA has about the same amount of shares outstanding.
Compared to 5 years ago, STBA has less shares outstanding
STBA has a worse debt/assets ratio than last year.
STBA Yearly Shares OutstandingSTBA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
STBA Yearly Total Debt VS Total AssetsSTBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

STBA has a debt to FCF ratio of 0.66. This is a very positive value and a sign of high solvency as it would only need 0.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.66, STBA belongs to the top of the industry, outperforming 80.71% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.07, STBA is in the better half of the industry, outperforming 77.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.66
Altman-Z N/A
ROIC/WACCN/A
WACC14.78%
STBA Yearly LT Debt VS Equity VS FCFSTBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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2

3. Growth

3.1 Past

STBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.70%.
Measured over the past 5 years, STBA shows a small growth in Earnings Per Share. The EPS has been growing by 1.99% on average per year.
STBA shows a decrease in Revenue. In the last year, the revenue decreased by -4.77%.
The Revenue has been growing slightly by 5.10% on average over the past years.
EPS 1Y (TTM)-1.7%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.41%
Revenue 1Y (TTM)-4.77%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%-2.65%

3.2 Future

STBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
STBA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.76% yearly.
EPS Next Y-2.74%
EPS Next 2Y0.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.36%
Revenue Next 2Y3.76%
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.
STBA Yearly Revenue VS EstimatesSTBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M
STBA Yearly EPS VS EstimatesSTBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

STBA is valuated reasonably with a Price/Earnings ratio of 11.29.
Based on the Price/Earnings ratio, STBA is valued a bit cheaper than the industry average as 69.80% of the companies are valued more expensively.
STBA is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of STBA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of STBA indicates a slightly more expensive valuation: STBA is more expensive than 61.42% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of STBA to the average of the S&P500 Index (35.19), we can say STBA is valued rather cheaply.
Industry RankSector Rank
PE 11.29
Fwd PE 11.42
STBA Price Earnings VS Forward Price EarningsSTBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

STBA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. STBA is cheaper than 64.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.91
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

PEG (NY)N/A
PEG (5Y)5.67
EPS Next 2Y0.34%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.42%, STBA has a reasonable but not impressive dividend return.
STBA's Dividend Yield is a higher than the industry average which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.35, STBA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.42%

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
STBA Yearly Dividends per shareSTBA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

38.50% 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.
DP38.5%
EPS Next 2Y0.34%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
STBA Dividend Payout.STBA Dividend Payout, showing the Payout Ratio.STBA Dividend Payout.PayoutRetained Earnings

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S & T BANCORP INC

NASDAQ:STBA (7/11/2025, 8:00:00 PM)

After market: 39.19 0 (0%)

39.19

-0.56 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners72.37%
Inst Owner Change0%
Ins Owners0.92%
Ins Owner Change7.45%
Market Cap1.50B
Analysts50.91
Price Target41.57 (6.07%)
Short Float %1.97%
Short Ratio5.21
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
Yearly Dividend1.33
Dividend Growth(5Y)5.77%
DP38.5%
Div Incr Years12
Div Non Decr Years14
Ex-Date05-15 2025-05-15 (0.34)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.84%
Min EPS beat(2)9.56%
Max EPS beat(2)14.12%
EPS beat(4)4
Avg EPS beat(4)11.04%
Min EPS beat(4)3.21%
Max EPS beat(4)17.28%
EPS beat(8)6
Avg EPS beat(8)5.91%
EPS beat(12)10
Avg EPS beat(12)6.97%
EPS beat(16)13
Avg EPS beat(16)6.75%
Revenue beat(2)0
Avg Revenue beat(2)-4.6%
Min Revenue beat(2)-4.65%
Max Revenue beat(2)-4.54%
Revenue beat(4)0
Avg Revenue beat(4)-6.02%
Min Revenue beat(4)-10.4%
Max Revenue beat(4)-4.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.63%
Revenue beat(12)4
Avg Revenue beat(12)-2.37%
Revenue beat(16)4
Avg Revenue beat(16)-2.17%
PT rev (1m)0%
PT rev (3m)-4.68%
EPS NQ rev (1m)0.63%
EPS NQ rev (3m)3.9%
EPS NY rev (1m)0.42%
EPS NY rev (3m)4.84%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)0.84%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 11.29
Fwd PE 11.42
P/S 3.93
P/FCF 9.91
P/OCF 9.65
P/B 1.06
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)3.47
EY8.85%
EPS(NY)3.43
Fwd EY8.76%
FCF(TTM)3.96
FCFY10.09%
OCF(TTM)4.06
OCFY10.36%
SpS9.97
BVpS37
TBVpS27.18
PEG (NY)N/A
PEG (5Y)5.67
Profitability
Industry RankSector Rank
ROA 1.37%
ROE 9.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.91%
GM N/A
FCFM 39.66%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.66
Debt/EBITDA N/A
Cap/Depr 37.52%
Cap/Sales 1.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.78%
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)-1.7%
EPS 3Y6.79%
EPS 5Y1.99%
EPS Q2Q%7.41%
EPS Next Y-2.74%
EPS Next 2Y0.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.77%
Revenue growth 3Y4.06%
Revenue growth 5Y5.1%
Sales Q2Q%-2.65%
Revenue Next Year2.36%
Revenue Next 2Y3.76%
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-20.67%
FCF growth 3Y-7.1%
FCF growth 5Y5.05%
OCF growth 1Y-20.45%
OCF growth 3Y-7.08%
OCF growth 5Y4.61%