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S&T BancorpNasdaqGS:STBA Stock Report

Market Cap







30 Nov, 2021


Company Financials +
STBA fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance4/6
Financial Health5/6

STBA Stock Overview

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services.

S&T Bancorp Competitors

First Financial Bankshares



Glacier Bancorp



Bank OZK






Price History & Performance

Summary of all time highs, changes and price drops for S&T Bancorp
Historical stock prices
Current Share PriceUS$29.91
52 Week HighUS$35.80
52 Week LowUS$22.36
1 Month Change-2.13%
3 Month Change0.60%
1 Year Change30.44%
3 Year Change-23.50%
5 Year Change-18.88%
Change since IPO513.54%

Recent News & Updates

Oct 22
S&T Bancorp (NASDAQ:STBA) Will Pay A Dividend Of US$0.29

S&T Bancorp (NASDAQ:STBA) Will Pay A Dividend Of US$0.29

S&T Bancorp, Inc. ( NASDAQ:STBA ) will pay a dividend of US$0.29 on the 18th of November. Based on this payment, the...

Shareholder Returns

STBAUS BanksUS Market

Return vs Industry: STBA underperformed the US Banks industry which returned 40.6% over the past year.

Return vs Market: STBA exceeded the US Market which returned 20% over the past year.

Price Volatility

Is STBA's price volatile compared to industry and market?
STBA volatility
STBA Average Weekly Movement3.8%
Banks Industry Average Movement3.7%
Market Average Movement6.0%
10% most volatile stocks in US Market15.0%
10% least volatile stocks in US Market2.3%

Stable Share Price: STBA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.

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

About the Company

19021,174Chris McComish

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Business banking, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits.

S&T Bancorp Fundamentals Summary

How do S&T Bancorp's earnings and revenue compare to its market cap?
STBA fundamental statistics
Market CapUS$1.18b
Earnings (TTM)US$111.57m
Revenue (TTM)US$322.29m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
STBA income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$322.29m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date


Earnings per share (EPS)2.84
Gross Margin100.00%
Net Profit Margin34.62%
Debt/Equity Ratio16.8%

How did STBA perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is S&T Bancorp undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: STBA ($29.91) is trading below our estimate of fair value ($55.73)

Significantly Below Fair Value: STBA is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: STBA's PE Ratio (10.5x) is in line with the US Banks industry average.

PE vs Market: STBA is good value based on its PE Ratio (10.5x) compared to the US market (16.8x).

Price to Earnings Growth Ratio

PEG Ratio: STBA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.

Price to Book Ratio

PB vs Industry: STBA is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.1x).

Future Growth

How is S&T Bancorp forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: STBA's earnings are forecast to decline over the next 3 years (-7.5% per year).

Earnings vs Market: STBA's earnings are forecast to decline over the next 3 years (-7.5% per year).

High Growth Earnings: STBA's earnings are forecast to decline over the next 3 years.

Revenue vs Market: STBA's revenue (0.9% per year) is forecast to grow slower than the US market (10.1% per year).

High Growth Revenue: STBA's revenue (0.9% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: STBA's Return on Equity is forecast to be low in 3 years time (7.9%).

Past Performance

How has S&T Bancorp performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: STBA has high quality earnings.

Growing Profit Margin: STBA's current net profit margins (34.6%) are higher than last year (9.3%).

Past Earnings Growth Analysis

Earnings Trend: STBA's earnings have declined by 3.2% per year over the past 5 years.

Accelerating Growth: STBA's earnings growth over the past year (484.8%) exceeds its 5-year average (-3.2% per year).

Earnings vs Industry: STBA earnings growth over the past year (484.8%) exceeded the Banks industry 43%.

Return on Equity

High ROE: STBA's Return on Equity (9.3%) is considered low.

Financial Health

How is S&T Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: STBA's Assets to Equity ratio (7.9x) is low.

Allowance for Bad Loans: STBA has a low allowance for bad loans (97%).

Low Risk Liabilities: 96% of STBA's liabilities are made up of primarily low risk sources of funding.

Loan Level: STBA has an appropriate level of Loans to Assets ratio (73%).

Low Risk Deposits: STBA's Loans to Deposits ratio (86%) is appropriate.

Level of Bad Loans: STBA has an appropriate level of bad loans (1.6%).


What is S&T Bancorp current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: STBA's dividend (3.88%) is higher than the bottom 25% of dividend payers in the US market (1.35%).

High Dividend: STBA's dividend (3.88%) is in the top 25% of dividend payers in the US market (3.63%)

Stability and Growth of Payments

Stable Dividend: STBA's dividends per share have been stable in the past 10 years.

Growing Dividend: STBA's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (39.5%), STBA's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: STBA's dividends in 3 years are forecast to be well covered by earnings (47.4% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Chris McComish (56 yo)



Mr. Christopher J. McComish, also known as Chris, has been Chief Executive Officer of S&T Bancorp, Inc. and S&T Bank, since August 23, 2021. He serves as Director of S&T Bancorp, Inc. since August 23, 2021...

Leadership Team

Experienced Management: STBA's management team is seasoned and experienced (6.8 years average tenure).

Board Members

Experienced Board: STBA's board of directors are considered experienced (4.4 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

S&T Bancorp, Inc.'s employee growth, exchange listings and data sources

Key Information

  • Name: S&T Bancorp, Inc.
  • Ticker: STBA
  • Exchange: NasdaqGS
  • Founded: 1902
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$1.177b
  • Shares outstanding: 39.35m
  • Website:

Number of Employees


  • S&T Bancorp, Inc.
  • 800 Philadelphia Street
  • Indiana
  • Pennsylvania
  • 15701
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/11/30 23:56
End of Day Share Price2021/11/30 00:00
Annual Earnings2020/12/31

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 here.