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S&T Bancorp, Inc. STBA R2K

Financial Services · Banks - Regional · United States
https://www.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 businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company also manages private investment accounts for individuals and institutions. In addition, it engages in non-banking activities; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

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$45.09
+27.36% 1Y

Market & Price

Market Cap
$1.62B
Current Price
$45.09
High / Low (52W)
$45.34 / $33.76
Beta
0.85

Valuation

Stock P/E
12.67
Industry PE
12.01
Forward P/E
11.79
PEG Ratio
1.23
Book Value
$39.46
Price to Book
1.14
P/S
4.07
EV/EBITDA
-
Dividend Yield
3.28%

Profitability & Returns

ROCE
-
ROE
9.54%
ROA
1.38%
Profit Margin
34.09%
Op Margin
44.78%
EPS (Latest Qtr)
$0.94
EPS (TTM)
$3.56

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$185.36M
Total Assets
$9.87B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.59%
Chg in Prom Hold
-
FII / Inst Holding
76.32%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$1.44B
Total Revenue (TTM)
$398.66M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$147.23M
Shares Outstanding
35.98M
Gross Margin
0.00%
Payout Ratio
39.33%

Growth (CAGR)

Revenue 5Y
2.44%
Profit 5Y
-0.32%
Revenue (YoY)
4.10%
Earnings (YoY)
8.00%

PROS

  • Excellent profit margin of 34.1%.
  • Attractive dividend yield of 3.28%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -0.3% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 STBA S&T Bancorp, Inc. R2K 45.09 12.67 $1.62B 3.28% - 9.54% 2.44% -0.32%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------93.75M100.07M103.00M105.29M102.08M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------41.52M42.33M42.38M40.15M37.90M
Pretax Income -----------------------------------41.70M39.98M43.84M42.42M44.04M
Tax Provision -----------------------------------8.30M8.08M8.87M8.45M8.97M
Net Income 18.64M-16.09M17.06M20.58M-18.19M22.77M22.72M-26.16M21.44M30.88M-22.93M26.10M26.94M22.27M13.23M-33.07M16.70M24.18M31.90M28.37M27.60M29.14M28.86M37.25M39.80M34.47M33.47M31.24M34.37M32.59M-33.40M31.90M34.96M33.97M35.07M
Diluted EPS 0.540.500.460.490.590.510.520.650.650.270.750.610.880.770.660.760.790.620.34-0.850.430.620.810.720.700.740.740.951.020.890.870.810.890.85-0.870.830.910.890.94

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------374.04M407.03M383.89M402.12M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------24.97M128.49M181.07M166.39M
Pretax Income -------------168.93M178.80M164.82M167.94M
Tax Provision -------------33.41M34.02M33.55M33.71M
Net Income 7.95M43.48M47.26M34.20M50.54M57.91M67.08M71.39M72.97M105.33M98.23M21.04M-135.52M144.78M131.26M134.23M
Diluted EPS 0.071.341.411.181.701.951.982.052.093.012.820.53-3.463.743.413.49

Compounded Sales Growth

5 Years:2.44%
1 Year:4.10%

Compounded Profit Growth

5 Years:-0.32%
1 Year:8.00%

Stock Price Performance

1 Year:+27.36%
6 Months:+12.85%
3 Months:+8.77%
1 Month:+3.89%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --4.11B4.12B4.53B4.53B4.96B6.32B6.94B7.06B7.25B8.76B8.97B-9.11B9.55B9.66B9.87B
Current Assets ------------------
Cash & Equivalents 69.83M69.20M108.20M270.53M337.71M108.36M109.58M99.40M139.49M117.15M155.49M197.82M229.67M-210.01M233.61M244.82M163.44M
Inventory ------------------
Receivables ------------------
Total Liabilities --3.54B3.63B3.99B3.96B4.36B5.53B6.10B6.18B6.32B7.57B7.81B-7.93B8.27B8.28B8.41B
Current Liabilities ------------------
Long Term Debt ----34.10M---------69.19M88.64M100.31M100.29M
Total Debt --------------439.19M503.63M250.31M265.29M
Total Equity --578.66M490.53M537.42M571.31M608.39M792.24M841.96M884.03M935.76M1.19B1.15B-1.18B1.28B1.38B1.46B
Shares Outstanding --------------41.45M41.45M41.45M41.45M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 54.57M88.98M73.90M83.89M86.08M78.10M60.58M96.81M114.24M128.02M138.42M51.55M-240.53M171.75M173.37M133.62M
Investing Cash Flow 208.94M67.65M131.74M-8.32M-309.68M-437.05M-405.74M-616.65M-212.41M-201.96M-210.56M-159.20M--398.68M-444.22M-118.29M-314.80M
Financing Cash Flow -264.14M-117.64M-43.31M-8.38M-5.75M360.17M334.97M559.93M75.84M112.28M114.47M139.49M--554.05M296.07M-43.87M99.80M
Capital Expenditure -1.58M-3.47M-2.53M-2.18M-2.83M-5.08M-5.13M-3.56M-4.69M-4.17M-5.15M-5.42M--3.86M-5.51M-2.94M-4.77M
Free Cash Flow 52.99M85.52M71.37M81.71M83.24M73.02M55.45M93.25M109.54M123.84M133.27M46.14M-236.66M166.24M170.43M128.85M
Net Change in Cash --------------712.21M23.60M11.21M-81.38M
Share Buybacks --64.00K49.00K88.00K163.00K182.00K0012.26M18.22M12.56M07.64M19.81M036.27M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------36.2%35.6%34.2%33.4%
ROE % -7.5%9.6%6.4%8.8%9.5%8.5%8.5%8.3%11.3%8.2%1.8%-11.4%11.3%9.5%9.2%
ROCE % -----------------

Shareholding Pattern

Insiders
1.59%
Institutions
76.32%
Public Float
77.56%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.91% 5.37M $241.92M
2 Vanguard Portfolio Management LLC 6.77% 2.44M $109.86M
3 Dimensional Fund Advisors LP 6.52% 2.35M $105.74M
4 State Street Corporation 4.93% 1.78M $80.05M
5 Vanguard Capital Management LLC 4.63% 1.67M $75.13M
6 Charles Schwab Investment Management, Inc. 3.72% 1.34M $60.34M
7 Geode Capital Management, LLC 2.67% 959.56K $43.27M
8 American Century Companies Inc 1.87% 671.05K $30.26M
9 Bank of America Corporation 1.76% 631.87K $28.49M
10 Northern Trust Corporation 1.28% 458.71K $20.68M

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