S&T Bancorp (STBA) AI Stock Analysis

• Market Cap: $1.48B
• Dividend Yield: 3.53%
• Average Volume (3M): 137.58K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.83
• Revenue Growth: -0.57%
• EPS Growth: -3.92%
• Country: US
• Employees: 1,206
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 38,346,004
• 10 Day Avg. Volume: 153,703
• 30 Day Avg. Volume: 137,581
• PEG Ratio: -1.20
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 2.59
• P/FCF Ratio: 8.58
• Enterprise Value/Market Cap: 1.09
• Enterprise Value/Revenue: 2.90
• Enterprise Value/Gross Profit: 4.18
• Enterprise Value/Ebitda: 9.87
• 1Y Price Target: $41.25
• Price Target Upside: 6.95% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 74 Outperform
• Price Target: $43.00 ▲(11.49% Upside)

S&T Bancorp's strong financial performance and attractive valuation are key strengths, supported by consistent revenue growth and solid profitability. The earnings call provided a cautiously optimistic outlook, though higher expenses and potential margin pressure are concerns. Technical indicators suggest a neutral trend, with potential for improvement.

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 exhibits strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is well-managed, with low leverage and a strong equity base. While cash flow generation remains healthy, the decline in free cash flow growth warrants attention. Overall, the company is well-positioned within the regional banking sector, with a stable financial foundation and potential for continued growth.

Income Statement

S&T Bancorp has demonstrated consistent revenue growth, with a TTM revenue growth rate of 6%. The gross profit margin remains strong at approximately 69.4%, indicating efficient cost management. However, there is a slight decline in net profit margin from 27% in 2023 to 23.4% in the TTM period, suggesting increased expenses or competitive pressures. Overall, the company maintains healthy profitability metrics, with EBIT and EBITDA margins around 29.4%.

Balance Sheet

The balance sheet reflects a strong equity position with a debt-to-equity ratio of 0.17 in the TTM period, significantly improved from previous years. Return on equity is solid at 9.3%, though slightly lower than the previous year's 11.3%. The equity ratio remains stable, indicating a well-capitalized structure. The reduction in debt levels enhances financial stability and reduces risk.

Cash Flow

Operating cash flow remains robust, though there is a notable decline in free cash flow growth by 11.1% in the TTM period. The operating cash flow to net income ratio is strong at 0.93, indicating efficient cash generation relative to earnings. However, the decline in free cash flow growth may signal potential challenges in cash management or increased capital expenditures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	559.98M	564.96M	535.52M	399.01M	353.96M	380.21M
Gross Profit	388.49M	383.76M	389.14M	365.68M	324.59M	207.71M
EBITDA	164.47M	175.68M	186.32M	177.96M	147.15M	33.10M
Net Income	130.96M	131.26M	144.78M	135.52M	110.34M	21.04M
Balance Sheet
Total Assets	9.81B	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	250.30M	250.31M	503.63M	439.19M	161.31M	227.93M
Total Liabilities	8.36B	8.28B	8.27B	7.93B	8.28B	7.81B
Stockholders Equity	1.45B	1.38B	1.28B	1.18B	1.21B	1.15B
Cash Flow
Free Cash Flow	134.80M	170.37M	165.53M	236.57M	211.24M	46.14M
Operating Cash Flow	139.30M	173.37M	171.75M	240.43M	214.85M	51.55M
Investing Cash Flow	-256.43M	-118.29M	-444.22M	-398.68M	13.24M	-159.20M
Financing Cash Flow	73.94M	-43.87M	296.07M	-554.05M	464.46M	139.49M

S&T Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 38.57
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For STBA, the sentiment is Neutral. The current price of 38.57 is below the 20-day moving average (MA) of 39.19, above the 50-day MA of 38.12, and above the 200-day MA of 37.53, indicating a neutral trend. The MACD of 0.20 indicates Positive momentum. The RSI at 50.47 is Neutral, neither overbought nor oversold. The STOCH value of 53.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for STBA.

S&T Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GABC	79 Outperform	1.51B	15.32	8.05%	2.85%	22.42%	-5.59%
TCBK	76 Outperform	1.47B	13.34	9.41%	3.01%	1.15%	-0.39%
STBA	74 Outperform	$1.48B	11.37	9.47%	3.53%	-0.57%	-3.92%
NBHC	72 Outperform	1.49B	12.74	8.83%	3.02%	0.60%	-6.31%
TFIN	67 Neutral	1.31B	125.83	1.49%	―	2.02%	-60.54%
MBIN	64 Neutral	1.47B	7.04	11.59%	1.23%	3.49%	-30.76%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.

The most recent analyst rating on (STBA) stock is a Buy with a $43.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.

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.

The most recent analyst rating on (STBA) stock is a Hold with a $44.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.

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.

The most recent analyst rating on (STBA) stock is a Hold with a $44.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.