STBA Stock Analysis: S&T Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.748m USD | 12M Return: 34.6% | US7838591011 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.3M
EPS Trend: -26.0%
Qual. Beats: 2
Rev. Trend: 67.8%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
S&T Bancorp, Inc. (STBA) is a bank holding company headquartered in Indiana, Pennsylvania, founded in 1902. Through its subsidiary S&T Bank, it provides retail and commercial banking products and services-including deposit accounts, commercial and consumer loans, cash management, brokerage, and trust services-to consumer, commercial, and small business customers across Pennsylvania and Ohio. The company also manages private investment accounts for individuals and institutions, engages in non-banking activities, and operates as a reinsurer of credit life, accident, and health insurance policies.
As a regional bank holding company with a small-cap market capitalization of approximately $1.7 billion, S&T Bancorp operates within a defined geographic footprint in the Mid-Atlantic and Midwestern U.S. Regional banks typically derive a competitive advantage from local market knowledge and relationship-based lending, particularly with small and mid-sized businesses, while their concentration in specific states exposes them to localized economic conditions. The combination of traditional banking with insurance reinsurance and investment management allows the company to generate fee-based income alongside net interest income, diversifying its revenue streams beyond core lending activities.
- Net interest margin compresses as deposit costs outpace asset repricing
- Commercial loan demand softens across Pennsylvania and Ohio markets
- Fee income growth from wealth management and trust services offsets margin pressure
| Net Income: 140.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.11 > 1.0 |
| NWC/Revenue: 3.19% < 20% (prev -1.22k%; Δ 1.23k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 147.9m > Net Income 140.6m |
| Net Debt (57.5m) to EBITDA (168.0m): 0.34 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.6m) vs 12m ago -5.30% < -2% |
| Gross Margin: 69.95% > 18% (prev 69.38%; Δ 0.58% > 0.5%) |
| Asset Turnover: 5.66% > 50% (prev 5.71%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 1.02 > 6 (EBIT TTM 160.9m / Interest Expense TTM 158.1m) |
| A: 0.00 (Total Current Assets 217.8m - Total Current Liabilities 200.0m) / Total Assets 9.94b |
| B: 0.12 (Retained Earnings 1.17b / Total Assets 9.94b) |
| C: 0.02 (EBIT TTM 160.9m / Avg Total Assets 9.88b) |
| D: 0.16 (Book Value of Equity 1.40b / Total Liabilities 8.54b) |
| Altman-Z'' = 0.68 = B |
As of September 27, 2026, the stock is trading at USD 49.82 with a total of 306,334 shares traded. Over the past week, the price has changed by -0.70%, over one month by -0.34%, over three months by +2.31% and over the past year by +34.58%.
Current recommended Stop Loss: 48.60 (which is 2.4% or 1.4 ATR below the current price).
S&T Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold STBA.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 53.3 | 7% |
P/E Trailing = 13.1809
P/E Forward = 13.8313
P/S = 4.3188
P/B = 1.2603
P/EG = 1.23
Revenue TTM = 558.9m USD
EBIT TTM = 160.9m USD
EBITDA TTM = 168.0m USD
Long Term Debt = 75.3m USD (from longTermDebt, last quarter)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 275.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 57.5m USD (calculated: Debt 275.3m - CCE 217.8m)
Enterprise Value = 1.81b USD (1.75b + Debt 275.3m - CCE 217.8m)
Interest Coverage Ratio = 1.02 (Ebit TTM 160.9m / Interest Expense TTM 158.1m)
EV/FCF = 12.22x (Enterprise Value 1.81b / FCF TTM 147.7m)
FCF Yield = 8.18% (FCF TTM 147.7m / Enterprise Value 1.81b)
FCF Margin = 26.43% (FCF TTM 147.7m / Revenue TTM 558.9m)
Net Margin = 25.17% (Net Income TTM 140.6m / Revenue TTM 558.9m)
Gross Margin = 69.95% ((Revenue TTM 558.9m - Cost of Revenue TTM 167.9m) / Revenue TTM)
Gross Margin QoQ = 70.58% (prev 71.98%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.81b / Total Assets 9.94b)
Interest Expense / Debt = 57.44% (Interest Expense 158.1m / Debt 275.3m)
Taxrate = 19.98% (35.1m / 175.8m)
NOPAT = 128.8m (EBIT 160.9m * (1 - 19.98%))
Current Ratio = 1.09 (Total Current Assets 217.8m / Total Current Liabilities 200.0m)
Debt / Equity = 0.20 (Debt 275.3m / totalStockholderEquity, last quarter 1.40b)
Debt / EBITDA = 0.34 (Net Debt 57.5m / EBITDA 168.0m)
Debt / FCF = 0.39 (Net Debt 57.5m / FCF TTM 147.7m)
Total Stockholder Equity = 1.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.42% (Net Income 140.6m / Total Assets 9.94b)
RoE = 9.74% (Net Income TTM 140.6m / Total Stockholder Equity 1.44b)
RoCE = 10.59% (EBIT 160.9m / Capital Employed (Equity 1.44b + L.T.Debt 75.3m))
RoIC = 1.30% (NOPAT 128.8m / Invested Capital 9.92b)
WACC = 6.75% (E(1.75b)/V(2.02b) * Re(7.81%) + (debt cost/tax rate unavailable))
Discount Rate = 7.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -71.72 | Cagr: -2.14%
[DCF] Terminal Value 76.62% ; FCFF base≈142.6m ; Y1≈154.5m ; Y5≈190.7m
[DCF] Fair Price = 81.16 (EV 2.92b - Net Debt 57.5m = Equity 2.86b / Shares 35.3m; r=8.35% [WACC [floored]]; 5y FCF grow 9.59% → 2.50% )
EPS Correlation: -26.01 | EPS CAGR: -1.08% | SUE: 2.05 | # QB: 2
Revenue Correlation: 67.84 | Revenue CAGR: 2.49% | SUE: 0.40 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.99 | Chg30d=+5.50% | Revisions=+70% | Analysts=7
EPS current Year (2026-12-31): EPS=3.94 | Chg30d=+5.31% | Revisions=+70% | GrowthEPS=+12.9% | GrowthRev=+3.9%
EPS next Year (2027-12-31): EPS=3.99 | Chg30d=+4.68% | Revisions=+70% | GrowthEPS=+1.3% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +88% (up=21, down=0)