S&T Bancorp (STBA) AI Stock Analysis

• Market Cap: $1.63B
• Dividend Yield: 3.38%
• Average Volume (3M): 133.23K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.63
• Revenue Growth: -1.48%
• EPS Growth: -1.58%
• Country: US
• Employees: 1,206
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.89
• Shares Outstanding: 38,222,500
• 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: 1.16
• Enterprise Value/Revenue: 3.37
• Enterprise Value/Gross Profit: 4.84
• Enterprise Value/Ebitda: 11.36
• 1Y Price Target: $45.00
• Price Target Upside: 5.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 81 Outperform
• Price Target: $49.00 ▲(14.92% Upside)

STBA scores well primarily on strong financial performance (profitability, cash generation, and low leverage), supported by reasonable valuation and shareholder-return outlook from guidance and buybacks. Technicals add a modest positive tailwind given the established uptrend, while asset-quality and reserve-trend risks keep the score from being higher.

Positive Factors

Strong profitability and cash generation

S&T generated roughly $135M in FY2025 and $3.49 EPS, showing repeatable core earnings. Combined with 12.31% free cash flow growth and operating cash conversion above 1x, this supports durable internal funding for dividends, buybacks, and reinvestment without relying on external capital.

Net interest margin resilience

NIM expansion to ~3.99% with guidance for mid-high 3.9% implies stable core spread on earning assets. For a commercial bank, sustained NIM supports predictable NII and PPNR, underpinning earnings power even with modest loan growth and providing a multi-quarter earnings runway.

Conservative balance sheet and capital flexibility

Very low leverage and regulatory capital above well-capitalized levels give S&T flexibility to return capital and pursue M&A. Conservative funding reduces solvency risk and supports strategic options over months, reinforcing long-term shareholder-friendly capital management.

Negative Factors

Elevated quarterly charge-offs and new NPLs

A material one-quarter charge-off spike indicates realized credit stress in CRE/C&I. Such losses can depress earnings and require higher quarterly provisions if trends persist, creating multi-quarter headwinds to profitability and capital if problem credits continue to surface.

Allowance for credit losses has declined

A falling ACL as charge-offs and NPAs rose suggests reserve releases have reduced the loan-loss buffer. If macro or sector-specific stress re-emerges, rebuilding reserves could pressure earnings and capital over several quarters, limiting capital return flexibility.

Deposit funding pressure and sticky CD costs

Sticky, elevated CD rates and competitive deposit pricing raise structural funding costs. Until deposit betas and CD repricing normalize, margin upside is constrained and deposit mix shifts could increase funding volatility and compress NIM across multiple quarters.

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 net interest income and non-interest income. Net interest income is earned from the interest on loans and investments, which constitutes the bulk of the company's earnings. The company provides various loans, including commercial, consumer, and mortgage loans, generating interest income as borrowers repay these loans over time. Additionally, S&T Bancorp earns significant revenue from fees associated with deposit accounts, transaction services, and asset management, which contribute to non-interest income. The company also benefits from partnerships with local businesses and organizations that help create a stable customer base, as well as strategic investments in technology to enhance service delivery and operational efficiency, further solidifying its revenue streams.

S&T Bancorp Financial Statement Overview

Summary

Strong income statement and profitability trends (TTM revenue up 15.94%, net margin 27.06%) supported by solid cash generation (free cash flow up 12.31%, operating cash flow to net income 1.28) and conservative leverage (debt-to-equity 0.024). Offsetting factors include only moderate ROE (5.03%) and some pressure signals in margins and asset-quality-related items noted in recent results.

Income Statement

S&T Bancorp has demonstrated strong revenue growth with a 15.94% increase in TTM, supported by a healthy gross profit margin of 68.00%. The net profit margin has also improved to 27.06%, indicating effective cost management. However, the slight decline in gross profit margin from previous years suggests potential pressure on cost efficiency.

Balance Sheet

The company's balance sheet is robust with a low debt-to-equity ratio of 0.024, reflecting conservative leverage practices. Return on equity is moderate at 5.03%, indicating room for improvement in generating returns for shareholders. The equity ratio remains stable, showcasing a strong capital structure.

Cash Flow

S&T Bancorp's cash flow position is solid, with a 12.31% growth in free cash flow, indicating efficient cash management. The operating cash flow to net income ratio of 1.28 suggests strong cash generation relative to earnings. However, the free cash flow to net income ratio is slightly below optimal, suggesting potential reinvestment needs.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	562.02M	564.96M	535.52M	399.01M	353.96M	380.21M
Gross Profit	391.89M	383.76M	389.14M	365.68M	324.59M	207.71M
EBITDA	166.87M	175.68M	186.32M	177.96M	147.15M	33.10M
Net Income	133.33M	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	1.20B	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: 42.64
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 42.64 is above the 20-day moving average (MA) of 40.82, above the 50-day MA of 40.59, and above the 200-day MA of 37.90, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 60.28 is Neutral, neither overbought nor oversold. The STOCH value of 56.70 is Neutral, 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	81 Outperform	$1.63B	12.23	9.35%	3.38%	-1.48%	-1.58%
TCBK	81 Outperform	$1.62B	13.46	9.20%	2.83%	0.93%	5.65%
NBHC	77 Outperform	$1.52B	14.10	9.06%	3.07%	-2.46%	-1.98%
GABC	75 Outperform	$1.58B	13.74	10.75%	2.89%	30.45%	3.13%
MBIN	72 Outperform	$1.90B	10.97	11.84%	1.19%	-2.45%	-28.20%
TFIN	68 Neutral	$1.50B	68.09	1.11%	―	2.04%	-64.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

S&T Bancorp Corporate Events

S&T Bancorp Raises Quarterly Dividend, Boosting Shareholder Returns

On January 28, 2026, S&T Bancorp, Inc.’s board of directors approved a cash dividend of $0.36 per share, marking a 5.88 percent increase from the $0.34 per share dividend declared in the same period a year earlier. Based on the January 27, 2026 closing share price of $42.11, the new dividend represents an annualized yield of 3.42 percent, and it is scheduled to be paid on February 26, 2026 to shareholders of record as of February 12, 2026, underscoring the bank’s continued capital return to investors.

The most recent analyst rating on (STBA) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on S&T Bancorp stock, see the STBA Stock Forecast page.

S&T Bancorp Announces Strong 2025 Results, New Buyback

On January 22, 2026, S&T Bancorp reported fourth-quarter 2025 net income of $34.0 million, or $0.89 per diluted share, slightly below the prior quarter but above the year-earlier period, and full-year 2025 net income of $134.2 million, or $3.49 per diluted share, up from 2024. The bank delivered higher net interest income and an expanding net interest margin for both the quarter and the year, supported by loan growth of 4.52% annualized in the fourth quarter and 4.25% year over year, as well as steady deposit growth and lower funding costs in a declining rate environment. Asset quality metrics showed some pressure, with nonperforming assets rising to $55.6 million and net charge-offs increasing in both the quarter and full year, though management characterized NPAs as manageable and the allowance for credit losses remained robust at 1.15% of total portfolio loans. S&T also continued returning capital to shareholders, repurchasing 948,270 shares for $36.2 million in the fourth quarter, and on January 22, 2026, the board authorized a new $100 million share buyback program effective January 26, 2026, replacing the existing program and underscoring confidence in the company’s earnings power and capital position.

The most recent analyst rating on (STBA) stock is a Buy 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 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.