S&T Bancorp (STBA) AI Stock Analysis

• Market Cap: $1.43B
• Dividend Yield: 3.71%
• Average Volume (3M): 133.23K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.83
• Revenue Growth: -1.47%
• EPS Growth: N/A
• Country: US
• Employees: 1,206
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.91
• Shares Outstanding: 38,346,004
• 10 Day Avg. Volume: 137,390
• 30 Day Avg. Volume: 133,233
• 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: 1.14
• Enterprise Value/Revenue: 2.50
• Enterprise Value/Gross Profit: 3.68
• Enterprise Value/Ebitda: 7.76
• 1Y Price Target: $41.00
• Price Target Upside: 7.95% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $43.00 ▲(13.22% Upside)

S&T Bancorp's strong financial performance and positive earnings call outlook are the primary drivers of its solid stock score. The company's attractive valuation and robust technical indicators further support its investment appeal, despite minor challenges in asset quality and deposit growth.

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 shows 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. However, the decline in free cash flow growth warrants attention.

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	649.25M	564.96M	535.52M	399.01M	353.96M	380.21M
Gross Profit	441.51M	383.76M	389.14M	365.68M	324.59M	207.71M
EBITDA	209.25M	175.68M	186.32M	177.96M	147.15M	33.10M
Net Income	175.71M	131.26M	144.78M	135.52M	110.34M	21.04M
Balance Sheet
Total Assets	9.82B	9.66B	9.55B	9.11B	9.49B	8.97B
Cash, Cash Equivalents and Short-Term Investments	125.71M	1.23B	1.20B	1.21B	1.83B	1.00B
Total Debt	235.30M	250.31M	503.63M	439.19M	161.31M	227.93M
Total Liabilities	8.34B	8.28B	8.27B	7.93B	8.28B	7.81B
Stockholders Equity	1.48B	1.38B	1.28B	1.18B	1.21B	1.15B
Cash Flow
Free Cash Flow	151.39M	170.37M	165.53M	236.57M	211.24M	46.14M
Operating Cash Flow	152.25M	173.37M	171.75M	240.43M	214.85M	51.55M
Investing Cash Flow	-294.08M	-118.29M	-444.22M	-398.68M	13.24M	-159.20M
Financing Cash Flow	109.97M	-43.87M	296.07M	-554.05M	464.46M	139.49M

S&T Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 37.98
• 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 37.98 is above the 20-day moving average (MA) of 36.38, above the 50-day MA of 37.66, and above the 200-day MA of 37.30, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 58.78 is Neutral, neither overbought nor oversold. The STOCH value of 90.32 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
STBA	79 Outperform	$1.43B	10.74	9.35%	3.71%	-1.47%	―
GABC	71 Outperform	$1.47B	13.68	10.75%	2.91%	30.45%	3.13%
NBHC	71 Outperform	$1.36B	11.35	9.06%	3.19%	-2.46%	-1.98%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBK	67 Neutral	$1.45B	12.52	9.20%	3.02%	0.93%	5.65%
TFIN	64 Neutral	$1.29B	191.08	1.11%	―	2.04%	-64.17%
MBIN	63 Neutral	$1.44B	7.24	11.84%	1.24%	-3.01%	-28.20%

S&T Bancorp Corporate Events

S&T Bancorp Unveils Strategic Growth Presentation

S&T Bancorp has released an investor presentation detailing its financial data and strategic priorities for sustainable growth. The company has been recognized for its outstanding workplace culture and banking performance, being named on Forbes’ lists of America’s Best Midsize Employers and Best Banks. The presentation outlines the company’s focus on enterprise risk management, talent engagement, and core profitability, aiming for top-quartile performance in key financial metrics. The release highlights S&T’s commitment to long-term financial performance and its strategic path for future growth.

The most recent analyst rating on (STBA) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.

S&T Bancorp Appoints Stephanie Doliveira to Board

On October 29, 2025, S&T Bancorp announced the appointment of Stephanie N. Doliveira to its Board of Directors and as a director of S&T Bank. Doliveira, who brings over 25 years of experience in strategic leadership and people-centric initiatives from her tenure at Sheetz, Inc., is expected to contribute significantly to S&T’s strategic priorities and long-term success.

The most recent analyst rating on (STBA) stock is a Hold with a $40.00 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 Quarterly Dividend by 5.88%

On October 29, 2025, S&T Bancorp, Inc. announced a 5.88% increase in its quarterly cash dividend to $0.36 per share, up from $0.34 per share the previous year. This decision reflects positively on the company’s financial health and commitment to returning value to shareholders, with the dividend payable on November 28, 2025, to shareholders of record on November 13, 2025.

The most recent analyst rating on (STBA) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.

S&T Bancorp’s Earnings Call Highlights Strong Performance

S&T Bancorp’s recent earnings call conveyed a generally positive sentiment, underscored by a strong net interest margin expansion and robust earnings performance. Despite facing challenges such as increased non-performing assets (NPAs) and flat deposit growth, the company highlighted strategic initiatives and solid loan growth, particularly in the commercial real estate (CRE) segment, as indicators of a strong platform for future performance.

S&T Bancorp Reports Strong Q3 2025 Earnings

S&T Bancorp, Inc. is a bank holding company headquartered in Indiana, Pennsylvania, operating primarily in the banking sector through its principal subsidiary, S&T Bank, which serves customers in Pennsylvania and Ohio.

S&T Bancorp Reports Strong Q3 2025 Financial Results

S&T Bancorp, Inc. reported a net income of $35.0 million for the third quarter of 2025, reflecting an increase from the previous quarter and the same quarter last year. The company demonstrated strong return metrics and improved net interest income, supported by net interest margin expansion. Despite an increase in nonperforming assets, S&T maintained a strong regulatory capital position, with all capital ratios above well-capitalized thresholds. The company also saw growth in total portfolio loans and a slight increase in total deposits, showcasing its financial flexibility and potential for future growth.

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 Board Chair Resigns, Leadership Changes Announced

On September 22, 2025, Christine Toretti, Chair of the Board of Directors of S&T Bancorp, announced her resignation effective September 28, 2025, due to her confirmation as an ambassador to Sweden. Her departure was not due to any disagreements with the company. In response, the board appointed CEO Christopher J. McComish as the new Chair and Jeffrey D. Grube as the Lead Independent Director, effective the same date. These changes aim to enhance corporate governance and ensure strong independent oversight, positioning the company to continue delivering value to shareholders.

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 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.