A Business at a Glance
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S&T BANCORP INC
STBA
$2.0B
Mkt Cap
$51.79
+1.59%
S&T BANCORP INC (STBA) has a current P/E ratio of 14.8, compared to its historical median P/E of 11.0. The stock is currently considered Fair based on its historical valuation range.
S&T BANCORP INC (STBA) has a 5-year average return on invested capital (ROIC) of 10.3%. This indicates solid capital allocation.
S&T BANCORP INC (STBA) has a market capitalization of $1.9B. It is classified as a small-cap stock.
Yes, S&T BANCORP INC (STBA) pays a dividend with a trailing twelve-month yield of 2.83%. The company also returns capital through share buybacks, with a buyback yield of 4.57%.
Based on historical P/E analysis, S&T BANCORP INC (STBA) appears fair. The current P/E of 14.8 is 35% above its historical median of 11.0. The estimated fair value CAGR (P/E method) is 12.9%.
S&T BANCORP INC (STBA) operates in the State Commercial Banks industry, within the Financials sector.
S&T BANCORP INC (STBA) reported annual revenue of $569 million in its most recent fiscal year, based on SEC EDGAR filings.
S&T Bancorp, Inc. was incorporated on March 17, 1983 under the laws of the Commonwealth of Pennsylvania as a bank holding company and is registered with the Board of Governors of the Federal Reserve System, or the Federal Reserve Board, under the Bank Holding Company Act of 1956, as amended, or the BHCA, as a bank holding company and a financial holding company. S&T Bancorp, Inc. has four active direct wholly-owned subsidiaries including S&T Bank, 9th Street Holdings, Inc., STBA Capital Trust I and DNB Capital Trust II, and owns a 50 percent interest in Commonwealth Trust Credit Life Insurance Company, or CTCLIC. When used in this Report, “S&T,” “we,” “us” or “our” may refer to S&T Bancorp, Inc. individually, S&T Bancorp, Inc. and its consolidated subsidiaries or certain of S&T Bancorp, Inc.’s subsidiaries or affiliates, depending on the context. As of December 31, 2025, we had approximately $9.9 billion in assets, $8.1 billion in total loans, $8.0 billion in deposits and $1.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 410M | 569M | 565M | 536M | 399M | 354M |
| Net Income | 136M | 134M | 131M | 145M | 135M | 110M |
| EPS | $3.62 | $3.49 | $3.41 | $3.74 | $3.46 | $2.81 |
| Free Cash Flow | 143M | 129M | 170M | 166M | 237M | 211M |
| ROIC | 0.0% | 9.4% | 9.8% | 11.7% | 11.3% | 9.3% |
| Gross Margin | - | 69.6% | 67.7% | 75.8% | 93.0% | 96.1% |
| Debt/Equity | 0.07 | 0.11 | 0.11 | 0.32 | 0.31 | 0.00 |
| Dividends/Share | $1.47 | $1.38 | $1.33 | $1.29 | $1.20 | $1.13 |
| Operating Income | 0 | 168M | 165M | 179M | 169M | 136M |
| Operating Margin | 0.0% | 29.5% | 29.2% | 33.4% | 42.3% | 38.3% |
| ROE | 9.5% | 9.4% | 9.9% | 11.7% | 11.3% | 9.3% |
| Shares Outstanding | 36M | 38M | 38M | 39M | 39M | 39M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 207M | 255M | 282M | 316M | 339M | 373M | 380M | 354M | 399M | 536M | 565M | 569M | 410M |
| Gross Margin | 93.1% | 89.6% | 85.0% | 84.6% | 79.2% | 76.3% | 89.2% | 96.1% | 93.0% | 75.8% | 67.7% | 69.6% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 60M | 68M | 77M | 81M | 76M | 84M | 90M | 100M | 103M | 111M | 122M | 128M | 129M |
| EBIT | 75M | 91M | 97M | 119M | 123M | 117M | 21M | 136M | 169M | 179M | 165M | 168M | 0 |
| Op. Margin | 36.5% | 35.9% | 34.2% | 37.8% | 36.3% | 31.5% | 5.5% | 38.3% | 42.3% | 33.4% | 29.2% | 29.5% | 0.0% |
| Net Income | 58M | 67M | 71M | 73M | 105M | 98M | 21M | 110M | 135M | 145M | 131M | 134M | 136M |
| Net Margin | 27.9% | 26.2% | 25.2% | 23.0% | 31.0% | 26.3% | 5.5% | 31.0% | 33.9% | 27.0% | 23.2% | 23.6% | 33.1% |
| Non-Recurring | 33K | 179K | 0 | -128K | 81K | 0 | 0 | -30K | -61K | 100K | -196K | 31K | 31K |
| Returns on Capital | |||||||||||||
| ROIC | 9.8% | 9.5% | 8.7% | 8.4% | 11.5% | 9.2% | 1.8% | 9.3% | 11.3% | 11.7% | 9.8% | 9.4% | 0.0% |
| ROE | 9.8% | 9.5% | 8.7% | 8.4% | 11.5% | 9.2% | 1.8% | 9.3% | 11.3% | 11.7% | 9.9% | 9.4% | 9.5% |
| ROA | 1.2% | 1.2% | 1.1% | 1.0% | 1.5% | 1.2% | 0.2% | 1.2% | 1.5% | 1.5% | 1.4% | 1.4% | 1.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 78M | 61M | 97M | 114M | 128M | 138M | 52M | 215M | 241M | 172M | 173M | 134M | 147M |
| Free Cash Flow | 73M | 55M | 93M | 110M | 124M | 133M | 46M | 211M | 237M | 166M | 170M | 129M | 143M |
| Owner Earnings | 73M | 52M | 88M | 105M | 120M | 130M | 42M | 204M | 205M | 134M | 134M | 93M | 46M |
| CapEx | 5.1M | 5.1M | 3.6M | 4.7M | 4.2M | 5.2M | 5.4M | 3.6M | 3.9M | 5.5M | 2.9M | 4.8M | 4.0M |
| Maint. CapEx | 4.6M | 6.5M | 6.6M | 6.3M | 5.9M | 6.2M | 9.2M | 8.4M | 32M | 34M | 35M | 35M | 96M |
| Growth CapEx | 485K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 4.6M | 6.5M | 6.6M | 6.3M | 5.9M | 6.2M | 9.2M | 8.4M | 32M | 34M | 35M | 35M | 96M |
| CapEx/OCF | 6.5% | 8.5% | 3.7% | 4.1% | 3.3% | 3.7% | 10.1% | 1.7% | 1.6% | 3.6% | 1.7% | 3.6% | 2.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 20M | 24M | 27M | 29M | 35M | 37M | 44M | 44M | 47M | 50M | 51M | 53M | 53M |
| Dividend Yield | 4.1% | 3.5% | 3.8% | 3.0% | 3.1% | 3.6% | 5.4% | 4.4% | 4.4% | 4.7% | 3.9% | 3.7% | 2.8% |
| Share Buybacks | 163K | 182K | 0 | 0 | 12M | 18M | 13M | 0 | 7.6M | 20M | 0 | 36M | 86M |
| Buyback Yield | 0.0% | N/A | N/A | N/A | 1.2% | 1.7% | 1.6% | N/A | 0.6% | 1.6% | N/A | 2.4% | 4.6% |
| Stock-Based Comp | 975K | 1.6M | 2.5M | 3.0M | 1.9M | 2.4M | 724K | 2.4M | 3.2M | 3.9M | 4.6M | 5.3M | 5.4M |
| Debt Repayment | 150M | 2.7M | 304M | 2.4M | 2.0M | 36M | 27M | 11M | 7.7M | 5.5M | 38M | 81K | 81K |
| Balance Sheet | |||||||||||||
| Net Debt | 212M | 319M | 568M | -220M | -346M | -674M | -859M | -922M | 160M | 183M | -93M | 3.5M | -238M |
| Cash & Equiv. | 110M | 99M | 139M | 117M | 155M | 198M | 230M | 922M | 210M | 234M | 245M | 163M | 339M |
| Long-Term Debt | 617K | 790K | 670K | 463K | 1.1M | 1.8M | 1.2M | 458K | 411K | 1.3M | 2.0M | 1.9M | 51M |
| Debt/Equity | 0.53 | 0.53 | 0.85 | 0.67 | 0.52 | 0.25 | 0.12 | 0.00 | 0.31 | 0.32 | 0.11 | 0.11 | 0.07 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 608M | 792M | 842M | 884M | 936M | 1.2B | 1.2B | 1.2B | 1.2B | 1.3B | 1.4B | 1.5B | 1.4B |
| Total Assets | 5.0B | 6.3B | 6.9B | 7.1B | 7.3B | 8.8B | 9.0B | 9.5B | 9.1B | 9.6B | 9.7B | 9.9B | 9.9B |
| Total Liabilities | 4.4B | 5.5B | 6.1B | 6.2B | 6.3B | 7.6B | 7.8B | 8.3B | 7.9B | 8.3B | 8.3B | 8.4B | 8.5B |
| Intangibles | 2.6M | 6.5M | 4.9M | 3.7M | 2.6M | 11M | 8.7M | 6.9M | 5.4M | 4.1M | 3.1M | 2.3M | 2.1M |
| Retained Earnings | 504M | 544M | 586M | 628M | 702M | 761M | 710M | 774M | 864M | 960M | 1.0B | 1.1B | 1.1B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.95 | 1.98 | 2.05 | 2.09 | 3.01 | 2.82 | 0.53 | 2.81 | 3.46 | 3.74 | 3.41 | 3.49 | 3.62 |
| Owner EPS | 2.45 | 1.55 | 2.53 | 3.02 | 3.45 | 3.74 | 1.05 | 5.22 | 5.25 | 3.47 | 3.48 | 2.43 | 1.27 |
| Book Value | 20.54 | 23.48 | 24.25 | 25.41 | 26.82 | 34.31 | 29.18 | 30.86 | 30.33 | 33.19 | 35.86 | 38.06 | 39.46 |
| Cash Flow/Share | 2.64 | 1.80 | 2.79 | 3.28 | 3.67 | 3.98 | 1.30 | 5.50 | 6.16 | 4.44 | 4.50 | 3.47 | 6.39 |
| Dividends/Share | 0.68 | 0.73 | 0.77 | 0.82 | 0.99 | 1.09 | 1.12 | 1.13 | 1.20 | 1.29 | 1.33 | 1.38 | 1.47 |
| Shares Out. | 29.6M | 33.7M | 34.7M | 34.8M | 34.9M | 34.7M | 39.6M | 39.1M | 39.1M | 38.7M | 38.5M | 38.5M | 36.3M |
| Valuation | |||||||||||||
| P/E Ratio | 10.7 | 11.1 | 14.0 | 14.4 | 9.6 | 11.2 | 38.3 | 9.6 | 8.8 | 8.4 | 10.8 | 11.5 | 14.3 |
| P/FCF | 8.4 | 13.4 | 10.7 | 9.5 | 8.1 | 8.2 | 17.4 | 5.0 | 5.0 | 7.3 | 8.3 | 11.9 | 13.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.0 | 0.9 | 1.2 | 1.2 | 1.1 | 0.9 | 0.7 | 0.9 | 1.0 | 0.9 | 1.0 | 1.1 | 1.3 |
| Price/Sales | 2.6 | 3.0 | 2.7 | 3.4 | 3.9 | 3.4 | 2.4 | 3.0 | 2.8 | 2.6 | 3.4 | 3.5 | 4.6 |
| FCF Yield | 11.8% | 7.5% | 9.3% | 10.5% | 12.3% | 12.2% | 5.7% | 20.0% | 19.9% | 13.7% | 12.0% | 8.4% | 7.6% |
| Market Cap | 618M | 744M | 999M | 1.0B | 1.0B | 1.1B | 806M | 1.1B | 1.2B | 1.2B | 1.4B | 1.5B | 1.9B |
| Avg. Price | 16.83 | 20.92 | 20.07 | 27.35 | 31.95 | 29.49 | 20.38 | 25.69 | 27.08 | 27.20 | 34.13 | 37.00 | 51.79 |
| Year-End Price | 20.81 | 21.96 | 28.68 | 30.02 | 28.79 | 31.45 | 20.31 | 26.92 | 30.29 | 31.35 | 36.82 | 40.00 | 51.79 |
S&T BANCORP INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
S&T BANCORP INC trades at 14.8x trailing earnings, compared to its 15-year median P/E of 11.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.7x vs a median of 8.3x. The company's 5-year average ROIC is 10.3% with a gross margin of 80.4%. Total shareholder yield (dividends + buybacks) is 7.4%. At current prices, the estimated annualized return to fair value is +7.1%.
S&T BANCORP INC (STBA) has a net profit margin of 23.6%. This is a strong margin indicating high profitability.
S&T BANCORP INC (STBA) generated $129 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
S&T BANCORP INC (STBA) has a debt-to-equity ratio of 0.11. This indicates a conservatively financed balance sheet.
S&T BANCORP INC (STBA) reported earnings per share (EPS) of $3.49 in its most recent fiscal year.
S&T BANCORP INC (STBA) has a return on equity (ROE) of 9.4%. This indicates moderate shareholder returns.
S&T BANCORP INC (STBA) has a 5-year average gross margin of 80.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for S&T BANCORP INC (STBA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
S&T BANCORP INC (STBA) has a book value per share of $38.06, based on its most recent annual SEC filing.
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