S & T BANCORP INC (STBA) Fundamental Analysis & Valuation

NASDAQ:STBA • US7838591011

Current stock price

42.51 USD
+0.23 (+0.54%)
At close:
42.51 USD
0 (0%)
After Hours:

This STBA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. STBA Profitability Analysis

1.1 Basic Checks

  • In the past year STBA was profitable.
  • STBA had a positive operating cash flow in the past year.
  • STBA had positive earnings in each of the past 5 years.
  • Each year in the past 5 years STBA had a positive operating cash flow.
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 has a Return On Assets of 1.36%. This is amongst the best in the industry. STBA outperforms 83.16% of its industry peers.
  • STBA has a Return On Equity (9.17%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.36%
ROE 9.17%
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

  • With an excellent Profit Margin value of 33.38%, STBA belongs to the best of the industry, outperforming 85.79% of the companies in the same industry.
  • In the last couple of years the Profit Margin of STBA has grown nicely.
  • 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) 33.38%
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. STBA Health Analysis

2.1 Basic Checks

  • STBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • STBA has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for STBA has been reduced compared to 5 years ago.
  • The debt/assets ratio for STBA has been reduced compared to a year ago.
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

  • The Debt to FCF ratio of STBA is 0.78, which is an excellent value as it means it would take STBA, only 0.78 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of STBA (0.78) is better than 73.42% of its industry peers.
  • A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.
  • STBA has a better Debt to Equity ratio (0.07) than 76.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.78
Altman-Z N/A
ROIC/WACCN/A
WACC15.27%
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 2025 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. STBA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.64% over the past year.
  • The Earnings Per Share has been growing by 14.48% on average over the past years. This is quite good.
  • Looking at the last year, STBA shows a small growth in Revenue. The Revenue has grown by 4.51% in the last year.
  • The Revenue has been growing slightly by 3.47% on average over the past years.
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 4.89% on average over the next years.
  • The Revenue is expected to grow by 4.88% on average over the next years.
EPS Next Y5.47%
EPS Next 2Y4.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.63%
Revenue Next 2Y4.88%
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.
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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3

4. STBA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.15, STBA is valued correctly.
  • STBA's Price/Earnings is on the same level as the industry average.
  • STBA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • STBA is valuated reasonably with a Price/Forward Earnings ratio of 11.52.
  • 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 60.00% of the companies listed in the same industry.
  • STBA's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 12.15
Fwd PE 11.52
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as STBA.
Industry RankSector Rank
P/FCF 12.06
EV/EBITDA N/A
STBA Per share dataSTBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)2.22
PEG (5Y)0.84
EPS Next 2Y4.89%
EPS Next 3YN/A

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

7

5. STBA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.52%, STBA has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, 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 1.88.
Industry RankSector Rank
Dividend Yield 3.52%

5.2 History

  • The dividend of STBA has a limited annual growth rate of 4.67%.
  • 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)4.67%
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

  • 39.40% of the earnings are spent on dividend by STBA. This is a low number and sustainable payout ratio.
  • The dividend of STBA is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP39.4%
EPS Next 2Y4.89%
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

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STBA Fundamentals: All Metrics, Ratios and Statistics

S & T BANCORP INC

NASDAQ:STBA (4/2/2026, 8:00:01 PM)

After market: 42.51 0 (0%)

42.51

+0.23 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners72.86%
Inst Owner Change-2.06%
Ins Owners0.95%
Ins Owner Change0.24%
Market Cap1.55B
Revenue(TTM)402.12M
Net Income(TTM)134.23M
Analysts72.31
Price Target45.9 (7.97%)
Short Float %3.42%
Short Ratio4.49
Dividend
Industry RankSector Rank
Dividend Yield 3.52%
Yearly Dividend1.4
Dividend Growth(5Y)4.67%
DP39.4%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-12
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.02%
Min EPS beat(2)-0.15%
Max EPS beat(2)4.18%
EPS beat(4)3
Avg EPS beat(4)4.79%
Min EPS beat(4)-0.15%
Max EPS beat(4)14.12%
EPS beat(8)7
Avg EPS beat(8)6.32%
EPS beat(12)9
Avg EPS beat(12)4.86%
EPS beat(16)13
Avg EPS beat(16)7.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.07%
Min Revenue beat(2)-1.91%
Max Revenue beat(2)-0.23%
Revenue beat(4)0
Avg Revenue beat(4)-1.94%
Min Revenue beat(4)-4.65%
Max Revenue beat(4)-0.23%
Revenue beat(8)0
Avg Revenue beat(8)-3.57%
Revenue beat(12)1
Avg Revenue beat(12)-3%
Revenue beat(16)4
Avg Revenue beat(16)-2.07%
PT rev (1m)0.9%
PT rev (3m)8.7%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)1.44%
EPS NY rev (1m)0.07%
EPS NY rev (3m)2.85%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE 12.15
Fwd PE 11.52
P/S 3.86
P/FCF 12.06
P/OCF 11.63
P/B 1.06
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)3.5
EY8.23%
EPS(NY)3.69
Fwd EY8.68%
FCF(TTM)3.53
FCFY8.29%
OCF(TTM)3.66
OCFY8.6%
SpS11
BVpS40.05
TBVpS29.77
PEG (NY)2.22
PEG (5Y)0.84
Graham Number56.16
Profitability
Industry RankSector Rank
ROA 1.36%
ROE 9.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.38%
GM N/A
FCFM 32.04%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.78
Debt/EBITDA N/A
Cap/Depr 45.65%
Cap/Sales 1.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.27%
ROIC/WACCN/A
Cap/Depr(3y)51.97%
Cap/Depr(5y)46.11%
Cap/Sales(3y)1.16%
Cap/Sales(5y)1.12%
Profit Quality(3y)113.42%
Profit Quality(5y)141.73%
High Growth Momentum
Growth
EPS 1Y (TTM)2.64%
EPS 3Y0.38%
EPS 5Y14.48%
EPS Q2Q%3.49%
EPS Next Y5.47%
EPS Next 2Y4.89%
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 Year5.63%
Revenue Next 2Y4.88%
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-24.37%
FCF growth 3Y-18.33%
FCF growth 5Y21.78%
OCF growth 1Y-22.93%
OCF growth 3Y-17.78%
OCF growth 5Y20.09%

S & T BANCORP INC / STBA Fundamental Analysis 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 3 / 10 to S & T BANCORP INC (STBA). This can be considered as Overvalued.


What is the profitability of STBA stock?

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 12.15 and the Price/Book (PB) ratio is 1.06.


How financially healthy is S & T BANCORP INC?

The financial health rating of S & T BANCORP INC (STBA) is 4 / 10.