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Company Analysis

S&T Bancorp, Inc. STBA

A comprehensive view of key metrics, scores, and financial health for S&T Bancorp, Inc.

Overview of S&T Bancorp, Inc.

STBA NMS
Financial Services Banks - Regional Small Cap
S&T Bancorp, Inc. (STBA), is a Small Cap company, in the Banks - Regional industry, last closed at $40.20, about 0.4% overvalued vs fair value, +5.7% 1Y return, placing in the top 25% of its sector.
$40.20
-0.37%
As of March 13, 2026
Previous close • Vol 90d: 25.7%
52-Week Range
Market Cap
$1.49B
Enterprise Value
$1.56B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.stbancorp.com
HQ Indiana, PA
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$40
$75
Current: $40.20 0% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$514.8M
8.2%%
Interest Expense
$166.4M
Net Interest Income
$333.8M
-3.8%%
Total Revenue
$568.5M
48.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$89.2M
67.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating S&T Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
65
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
72
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing STBA's balance between Growth (20.7%), Profitability (39.8%), and Safety (39.5%). Growth 21% Safety 40% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

37th percentile vs peers
38
Key Signals
Rev Growth YoY 48.1% 40p Revenue CAGR 3Y 15.0% 35p Asset Growth YoY 2.2% 35p
Strengths
  • Roa in top 20% of peers (1.4%, 84th percentile)
  • Roa in top 20% of peers (1.4%, 84th percentile)
Risks
  • Growth below peer median (percentile: 37)

Profitability

72th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

71th percentile vs peers
72
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for S&T Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$40.05
- - -
-0.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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