S&T Bancorp (STBA) AI Stock Analysis

• Market Cap: $1.52B
• Dividend Yield: 3.44%
• Average Volume (3M): 130.86K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.85
• Revenue Growth: -0.57%
• EPS Growth: -3.92%
• Country: US
• Employees: 1,206
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 38,346,004
• 10 Day Avg. Volume: 129,487
• 30 Day Avg. Volume: 130,862
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 2.90
• Enterprise Value/Gross Profit: 4.20
• Enterprise Value/Ebitda: 9.70
• 1Y Price Target: $42.00
• Price Target Upside: 6.30% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

• Rating: 79 Outperform
• Price Target: $45.00 ▲(13.90% Upside)

S&T Bancorp's strong financial performance and positive earnings call sentiment are the most significant factors driving the score. The technical analysis shows bullish trends, though caution is advised due to potential overbought conditions. The valuation is attractive, supported by a reasonable P/E ratio and a solid dividend yield.

S&T Bancorp Business Overview & Revenue Model

Company Description

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. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

How the Company Makes Money

S&T Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees for services provided. Key revenue streams include interest earned on commercial and consumer loans, residential mortgages, and investment securities. Additionally, the company earns fees from deposit services, wealth management, and insurance products. Significant partnerships with local businesses and community organizations also enhance its market presence, contributing to customer acquisition and retention, thereby fueling its earnings.

S&T Bancorp Financial Statement Overview

Summary

S&T Bancorp demonstrates strong financial health with consistent revenue growth, robust profitability, and prudent financial management. The stable balance sheet and positive cash flow metrics underscore the company's financial strength. However, vigilance is needed in cost control and liability management.

Income Statement

S&T Bancorp has shown consistent revenue growth, with a notable increase from the previous year. The Gross Profit Margin and Net Profit Margin are strong, indicating effective cost management and profitability. The EBIT and EBITDA margins are stable, reflecting efficient operations. However, the slight decrease in gross profit compared to the previous year's TTM suggests a need for vigilance in maintaining cost control.

Balance Sheet

The company maintains a healthy balance sheet with a strong equity base. The Debt-to-Equity Ratio is low, highlighting conservative leverage practices. The Return on Equity is robust, demonstrating effective utilization of equity to generate profits. The Equity Ratio is sound, indicating a solid foundation of assets funded by equity. However, the slight increase in total liabilities suggests monitoring is required to maintain this stability.

Cash Flow

S&T Bancorp has demonstrated solid cash flow management, with a positive Free Cash Flow and a healthy Operating Cash Flow to Net Income Ratio. The Free Cash Flow to Net Income Ratio is strong, indicating efficient conversion of earnings to cash. The negative trend in investing cash flow warrants attention, but overall cash flow stability remains strong.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	559.65M	564.96M	535.52M	399.01M	353.96M	380.21M
Gross Profit	386.87M	383.76M	389.14M	365.68M	324.59M	207.71M
EBITDA	167.36M	175.68M	186.32M	177.96M	147.15M	33.10M
Net Income	133.43M	131.26M	144.78M	135.52M	110.34M	21.04M
Balance Sheet
Total Assets	9.72B	9.66B	9.55B	9.11B	9.49B	8.97B
Cash, Cash Equivalents and Short-Term Investments	1.22B	1.23B	1.20B	1.21B	1.83B	1.00B
Total Debt	195.31M	250.31M	503.63M	439.19M	161.31M	227.93M
Total Liabilities	8.30B	8.28B	8.27B	7.93B	8.28B	7.81B
Stockholders Equity	1.42B	1.38B	1.28B	1.18B	1.21B	1.15B
Cash Flow
Free Cash Flow	151.60M	170.37M	165.53M	236.57M	212.50M	46.14M
Operating Cash Flow	155.68M	173.37M	171.75M	240.43M	216.11M	51.55M
Investing Cash Flow	-213.37M	-118.29M	-444.22M	-398.68M	13.24M	-159.20M
Financing Cash Flow	62.06M	-43.87M	296.07M	-554.05M	464.46M	139.49M

S&T Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.51
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For STBA, the sentiment is Positive. The current price of 39.51 is above the 20-day moving average (MA) of 37.67, above the 50-day MA of 37.85, and above the 200-day MA of 37.74, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 63.33 is Neutral, neither overbought nor oversold. The STOCH value of 89.96 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for STBA.

S&T Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBHC	80 Outperform	$1.49B	12.65	9.15%	3.01%	0.60%	-6.31%
STBA	79 Outperform	$1.52B	11.62	9.47%	3.44%	-0.57%	-3.92%
GABC	78 Outperform	$1.57B	15.88	9.80%	2.73%	22.42%	-5.59%
STEL	77 Outperform	$1.59B	14.53	7.12%	1.78%	-2.85%	-0.33%
SRCE	75 Outperform	$1.58B	11.14	12.49%	2.30%	6.43%	11.69%
CCB	69 Neutral	$1.73B	35.19	12.23%	―	9.22%	18.60%
Sector *	68 Neutral	$17.90B	11.86	10.29%	3.72%	9.74%	1.66%

S&T Bancorp Corporate Events

S&T Bancorp Focuses on Sustainable Growth Strategy

S&T Bancorp‘s recent investor presentation highlights its strategic focus on sustainable growth and operational excellence, with a strong emphasis on risk management, talent engagement, and core profitability. The company has been recognized for its outstanding workplace culture and financial performance, which positions it well in the competitive banking industry.

S&T Bancorp Increases Dividend by 3.03%

On July 30, 2025, S&T Bancorp, Inc.’s Board of Directors approved a cash dividend of $0.34 per share, marking a 3.03% increase from the previous year’s dividend of $0.33 per share. The dividend, which offers an annualized yield of 3.61% based on the July 29, 2025, closing price, is payable on August 28, 2025, to shareholders recorded by August 14, 2025.

S&T Bancorp Reports Q2 2025 Financial Results

S&T Bancorp, Inc. announced its financial results for the second quarter of 2025, reporting a net income of $31.9 million, a slight decrease from the previous quarter. The company experienced growth in net interest income and maintained strong asset quality, with a decrease in nonperforming assets. The results reflect solid loan growth and an increase in deposits, with the company expressing confidence in its strategy and future growth opportunities.