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S&T Bancorp NasdaqGS:STBA Stock Report

Last Price

US$37.46

Market Cap

US$1.4b

7D

-3.4%

1Y

24.7%

Updated

13 Mar, 2025

Data

Company Financials +

S&T Bancorp, Inc.

NasdaqGS:STBA Stock Report

Market Cap: US$1.4b

STBA Stock Overview

Operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. More details

STBA fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 42% below our estimate of its fair value

Pays a reliable dividend of 3.63%

Risk Analysis

Earnings are forecast to decline by an average of 1.3% per year for the next 3 years


Community vs My Fair Value

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STBA logo
S&T Bancorp
WA
Analyst Price Target
Consensus Narrative from 4 Analysts

Expanded Banking Teams And Stable Net Interest Margins Are Expected, But Shrinking Profit Margins May Pressure Future Earnings

Key Takeaways Accelerated loan growth and expanded banking recruitment are expected to positively impact revenue and enhance future growth. Stability in net interest margins and improved asset quality bolster net margins and earnings, supporting anticipated revenue growth.
View narrative
US$42.75
FV
12.4% undervalued intrinsic discount
4.62%
Revenue growth p.a.
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3 days ago author updated this narrative
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S&T Bancorp, Inc. Competitors

1st Source

NasdaqGS:SRCE

US$1.5b

First Commonwealth Financial

NYSE:FCF

US$1.6b

German American Bancorp

NasdaqGS:GABC

US$1.4b

TriCo Bancshares

NasdaqGS:TCBK

US$1.3b

Price History & Performance

Summary of share price highs, lows and changes for S&T Bancorp
Historical stock prices
Current Share PriceUS$37.46
52 Week HighUS$45.79
52 Week LowUS$28.83
Beta0.79
1 Month Change-8.57%
3 Month Change-11.71%
1 Year Change24.66%
3 Year Change20.22%
5 Year Change37.92%
Change since IPO668.41%

Recent News & Updates

S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

Feb 02
S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

Recent updates

S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

Feb 02
S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Oct 27
S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its First-Quarter Results And Analysts Are Updating Their Estimates

Apr 22
S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its First-Quarter Results And Analysts Are Updating Their Estimates

With EPS Growth And More, S&T Bancorp (NASDAQ:STBA) Makes An Interesting Case

Jan 23
With EPS Growth And More, S&T Bancorp (NASDAQ:STBA) Makes An Interesting Case

S&T Bancorp's (NASDAQ:STBA) Shareholders Will Receive A Bigger Dividend Than Last Year

Oct 31
S&T Bancorp's (NASDAQ:STBA) Shareholders Will Receive A Bigger Dividend Than Last Year

Do S&T Bancorp's (NASDAQ:STBA) Earnings Warrant Your Attention?

Oct 20
Do S&T Bancorp's (NASDAQ:STBA) Earnings Warrant Your Attention?

S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Apr 30
S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Should You Be Adding S&T Bancorp (NASDAQ:STBA) To Your Watchlist Today?

Mar 08
Should You Be Adding S&T Bancorp (NASDAQ:STBA) To Your Watchlist Today?

S&T Bancorp (NASDAQ:STBA) Has Announced That It Will Be Increasing Its Dividend To $0.32

Jan 29
S&T Bancorp (NASDAQ:STBA) Has Announced That It Will Be Increasing Its Dividend To $0.32

S&T Bancorp's (NASDAQ:STBA) Dividend Will Be Increased To $0.31

Oct 21
S&T Bancorp's (NASDAQ:STBA) Dividend Will Be Increased To $0.31

S&T Bancorp GAAP EPS of $0.95 beats by $0.12, revenue of $98.88M beats by $3.06M

Oct 20

S&T Bancorp: Interest Rate Hikes Are The Biggest Earnings Catalyst Ahead

Sep 27

S&T Bancorp (NASDAQ:STBA) Will Pay A Larger Dividend Than Last Year At $0.30

Jul 23
S&T Bancorp (NASDAQ:STBA) Will Pay A Larger Dividend Than Last Year At $0.30

S&T Bancorp GAAP EPS of $0.74 beats by $0.08, revenue of $87.82M beats by $2.61M

Jul 21

S&T Bancorp: Top Line's High Rate Sensitivity To Benefit Earnings

Jul 15

S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Apr 28
S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

S&T Bancorp: Wait On The Sideline

Feb 03

Shareholder Returns

STBAUS BanksUS Market
7D-3.4%-6.6%-4.4%
1Y24.7%14.0%7.5%

Return vs Industry: STBA exceeded the US Banks industry which returned 14% over the past year.

Return vs Market: STBA exceeded the US Market which returned 7.5% over the past year.

Price Volatility

Is STBA's price volatile compared to industry and market?
STBA volatility
STBA Average Weekly Movement3.9%
Banks Industry Average Movement4.0%
Market Average Movement6.4%
10% most volatile stocks in US Market17.3%
10% least volatile stocks in US Market3.3%

Stable Share Price: STBA has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: STBA's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19021,206Chris McComishwww.stbancorp.com

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. The company accepts time and demand deposits; offers commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions.

S&T Bancorp, Inc. Fundamentals Summary

How do S&T Bancorp's earnings and revenue compare to its market cap?
STBA fundamental statistics
Market capUS$1.43b
Earnings (TTM)US$131.25m
Revenue (TTM)US$383.76m

10.9x

P/E Ratio

1.0x

P/B Ratio

Is STBA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
STBA income statement (TTM)
RevenueUS$383.76m
Cost of RevenueUS$0
Gross ProfitUS$383.76m
Other ExpensesUS$252.50m
EarningsUS$131.25m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)3.43
Gross Margin100.00%
Net Profit Margin34.20%
Debt/Equity Ratio23.2%

How did STBA perform over the long term?

See historical performance and comparison

Dividends

3.6%

Current Dividend Yield

39%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/03/13 21:45
End of Day Share Price 2025/03/13 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

S&T Bancorp, Inc. is covered by 15 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James BeuryBoenning & Scattergood, Inc.
Andrew StappB. Riley Securities, Inc.
Manuel NavasD.A. Davidson & Co.