company background image
STBA logo

S&T Bancorp NasdaqGS:STBA Stock Report

Last Price

US$39.26

Market Cap

US$1.5b

7D

-7.5%

1Y

18.5%

Updated

22 Dec, 2024

Data

Company Financials +

S&T Bancorp, Inc.

NasdaqGS:STBA Stock Report

Market Cap: US$1.5b

STBA Stock Overview

Operates as the bank holding company for S&T Bank that engages in the provision of retail and commercial banking products and services. More details

STBA fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 44.9% below our estimate of its fair value

Pays a reliable dividend of 3.36%

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 3.9% per year for the next 3 years

Significant insider selling over the past 3 months


My Notes

Capture your thoughts, links and company narrative

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

WA
Analyst Price Target
Consensus Narrative from 4 Analysts

Anticipated Fed Rate Cuts Will Compress Interest Margins And Impact Revenue

Key Takeaways Anticipated rate cuts and elevated loan payoffs could compress interest margins and impact revenue, posing challenges to future growth expectations. Approaching regulatory thresholds may increase operational costs, pressuring margins if growth isn’t managed to counteract these expenses.
View narrative
US$42.00
FV
6.5% undervalued intrinsic discount
2.73%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
3 days ago author updated this narrative

S&T Bancorp, Inc. Competitors

TriCo Bancshares

NasdaqGS:TCBK

US$1.5b

QCR Holdings

NasdaqGM:QCRH

US$1.4b

Veritex Holdings

NasdaqGM:VBTX

US$1.5b

1st Source

NasdaqGS:SRCE

US$1.5b

Price History & Performance

Summary of share price highs, lows and changes for S&T Bancorp
Historical stock prices
Current Share PriceUS$39.26
52 Week HighUS$45.79
52 Week LowUS$28.83
Beta0.81
1 Month Change-9.62%
3 Month Change-8.53%
1 Year Change18.54%
3 Year Change25.59%
5 Year Change-2.34%
Change since IPO705.33%

Recent News & Updates

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

Recent updates

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

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

Jan 29
S&T Bancorp (NASDAQ:STBA) Is Due To Pay A Dividend Of US$0.29

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

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

Shareholder Returns

STBAUS BanksUS Market
7D-7.5%-3.4%-2.4%
1Y18.5%29.1%23.4%

Return vs Industry: STBA underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: STBA underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is STBA's price volatile compared to industry and market?
STBA volatility
STBA Average Weekly Movement5.7%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.1%

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 (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19021,244Chris McComishwww.stbancorp.com

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that engages in the provision of retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, 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, Inc. Fundamentals Summary

How do S&T Bancorp's earnings and revenue compare to its market cap?
STBA fundamental statistics
Market capUS$1.50b
Earnings (TTM)US$135.22m
Revenue (TTM)US$386.29m

11.1x

P/E Ratio

1.1x

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$386.29m
Cost of RevenueUS$0
Gross ProfitUS$386.29m
Other ExpensesUS$251.08m
EarningsUS$135.22m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)3.53
Gross Margin100.00%
Net Profit Margin35.00%
Debt/Equity Ratio28.5%

How did STBA perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

9%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 01:50
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

S&T Bancorp, Inc. is covered by 16 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.