S&T Bancorp (STBA)
NASDAQ:STBA
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S&T Bancorp
(NASDAQ:STBA)
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Rating:78Outperform
Price Target:
$49.00
▲(12.03% Upside)
Action:ReiteratedDate:04/07/26
STBA scores well on solid financial performance and constructive earnings-call outlook (stable NIM, loan growth guidance, and continued buybacks), supported by attractive valuation (low P/E and ~3.3% yield). Technicals are positive but somewhat stretched, and credit metrics (charge-offs/NPAs and lower ACL) temper the upside.
Positive Factors
Capital returns / Buybacks
A $100M buyback authorization and meaningful Q4 repurchases reflect durable excess capital and management confidence. Sustainable repurchases indicate recurring earnings-to-capital conversion and allow returning capital without altering core operations, supporting shareholder returns and financial flexibility over the medium term.
Negative Factors
Elevated quarterly charge-offs
A notable Q4 charge-off spike driven by resolved problem CRE and C&I credits demonstrates residual portfolio stress. Higher and lumpy charge-offs increase provision volatility, reduce recurring earnings, and can erode capital cushions if problem credits continue, requiring sustained underwriting vigilance.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital returns / Buybacks
A $100M buyback authorization and meaningful Q4 repurchases reflect durable excess capital and management confidence. Sustainable repurchases indicate recurring earnings-to-capital conversion and allow returning capital without altering core operations, supporting shareholder returns and financial flexibility over the medium term.
Read all positive factors
S&T Bancorp (STBA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.60B
Dividend Yield3.38%
Average Volume (3M)133.23K
Price to Earnings (P/E)11.2
Beta (1Y)0.67
Revenue Growth-1.48%
EPS Growth-1.58%
CountryUS
Employees1,206
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.89
Shares Outstanding36,548,634
10 Day Avg. Volume137,390
30 Day Avg. Volume133,233
Financial Highlights & Ratios
PEG Ratio7.76
Price to Book (P/B)1.04
Price to Sales (P/S)2.67
P/FCF Ratio11.79
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue3.08
Enterprise Value/Gross Profit4.43
Enterprise Value/Ebitda10.42
Forecast
1Y Price Target
$45.50Price Target Upside4.02% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)3.64
Revenue Forecast (FY)$426.87M
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, ...
How the Company Makes Money
S&T Bancorp primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on earning assets (primarily loans such as commercial and industrial, c...
S&T Bancorp Earnings Call Summary
Earnings Call Date:Jan 22, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
Earnings Call Sentiment Positive
The call highlighted solid full-year and quarterly financial performance: strong profitability (FY net income ~$135M, FY EPS $3.49), margin expansion (NIM +6 bps q/q to 3.99%), controlled expense guidance (~3% growth), robust capital actions including a $100M buyback authorization, and sustained multi-year improvement in criticized/classified loans (CNC down 50% over three years). Key near-term challenges include elevated Q4 charge-offs ($11M) related to resolved problem credits, a modest uptick in NPAs to 69 bps, a reduced ACL (1.15% of loans) from q/q and y/y releases, and some pipeline burn from payoffs/refinancings. Management provided constructive 2026 guidance (mid-single-digit loan growth, stable mid-high 3.9% NIM) and maintained that capital levels support buybacks and potential M&A, balancing growth ambitions with asset quality discipline.Positive Updates
Full-Year Profitability and EPS
Net income for FY2025 was just under $135 million, producing $3.49 per share in earnings, demonstrating strong full-year profitability and return generation.
Negative Updates
Higher Quarterly Charge-offs and Resolutions
Q4 recognized increased charge-offs of $11 million (equivalent to 54 basis points annualized in the quarter) driven by resolution of previously identified problem credits (two CRE and one C&I) which increased quarterly charges.
Read all updates
Q4-2025 Updates
Positive
Negative
Full-Year Profitability and EPS
Net income for FY2025 was just under $135 million, producing $3.49 per share in earnings, demonstrating strong full-year profitability and return generation.
Read all positive updates
Company Guidance
Management guided to mid‑single‑digit loan growth in 2026 (driven by C&I, CRE and consumer home equity), a stable NIM in the mid‑ to high‑3.9% range with net interest income growth from earning‑asset expansion, fees of roughly $13–$14M per quarter, and noninterest expense rising about 3% Y/Y (implying a quarterly run‑rate of ~ $58M) with a targeted efficiency ratio in the mid‑50s. They expect asset quality to perform similarly to 2025 (FY2025: $3.49/share, ≈$135M net income, NIM 3.9%, loan growth >4%, deposit growth just under 3%, net charge‑offs 18 bps, ACL down 16 bps Y/Y) while continuing to reduce NPLs and CNCs (CNCs down 50% over three years; criticized/classified loans fell $30M or 13% Q/Q). Q4 specifics cited: $34M net income ($0.89/share), ROA 1.37%, NIM 3.99% (+6 bps Q/Q), PPNR 1.95% (+6 bps), $11M of charges (54 bps annualized), ACL/gross loans down from 1.23% to 1.15% (‑8 bps), NPAs 69 bps, loan growth just under $100M (4.5% Q/Q), deposit growth just under $60M (2.9% Q/Q), DDAs 27% of balances, and unused commercial construction commitments +$78M Q/Q. On capital/funding they repurchased 948,000 shares for $36.2M at an average $33.82, announced a new $100M buyback authorization (TCE down 29 bps from Q4 repurchases), expect deposit betas around ~30%, reported December CD costs ≈3.82% and interest‑bearing deposit cost ≈2.50%, and noted a potential Durbin impact of roughly $6–7M if assets exceed $10B.S&T Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
83
Very Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 568.51M | 564.96M | 535.52M | 399.01M | 353.96M |
| Gross Profit | 394.70M | 383.76M | 389.14M | 365.68M | 324.59M |
| EBITDA | 175.05M | 175.68M | 186.32M | 177.96M | 147.15M |
| Net Income | 134.23M | 131.26M | 144.78M | 135.52M | 110.34M |
Balance Sheet | |||||
| Total Assets | 9.87B | 9.66B | 9.55B | 9.11B | 9.49B |
| Cash, Cash Equivalents and Short-Term Investments | 1.15B | 1.23B | 1.20B | 1.21B | 1.83B |
| Total Debt | 310.95M | 250.31M | 503.63M | 439.19M | 161.31M |
| Total Liabilities | 8.41B | 8.28B | 8.27B | 7.93B | 8.28B |
| Stockholders Equity | 1.46B | 1.38B | 1.28B | 1.18B | 1.21B |
Cash Flow | |||||
| Free Cash Flow | 128.85M | 170.37M | 165.53M | 236.57M | 211.24M |
| Operating Cash Flow | 133.62M | 173.37M | 171.75M | 240.43M | 214.85M |
| Investing Cash Flow | -314.80M | -118.29M | -444.22M | -398.68M | 13.24M |
| Financing Cash Flow | 99.80M | -43.87M | 296.07M | -554.05M | 464.46M |
S&T Bancorp Technical Analysis
Positive
43.74
Price Trends
42.20
Positive
41.07
Positive
39.09
Positive
Market Momentum
0.37
Negative
68.82
Neutral
92.64
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 43.74 is above the 20-day moving average (MA) of 41.17, above the 50-day MA of 42.20, and above the 200-day MA of 39.09, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 68.82 is Neutral, neither overbought nor oversold. The STOCH value of 92.64 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for STBA.
S&T Bancorp Risk Analysis
S&T Bancorp disclosed 29 risk factors in its most recent earnings report. S&T Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
S&T Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.60B | 11.18 | 9.25% | 3.38% | -1.48% | -1.58% | |
70 Outperform | $1.61B | 12.64 | 9.20% | 2.83% | 0.93% | 5.65% | |
68 Neutral | $1.85B | 22.62 | 8.05% | 3.07% | -2.46% | -1.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.65B | 12.80 | 10.75% | 2.89% | 30.45% | 3.13% | |
58 Neutral | $2.13B | 7.14 | 9.89% | 1.19% | -2.45% | -28.20% | |
50 Neutral | $1.48B | 58.33 | 2.77% | ― | 2.04% | -64.17% |
* Financial Sector Average
STBA
S&T Bancorp
43.74
11.75
36.73%
GABC
German American Bancorp
43.90
10.58
31.74%
TCBK
Trico Bancshares
50.16
15.36
44.14%
TFIN
Triumph Financial
62.31
12.92
26.16%
NBHC
National Bank Holdings
41.02
8.17
24.86%
MBIN
Merchants Bancorp
46.28
14.25
44.50%
S&T Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
S&T Bancorp Amends CEO Employment and Compensation Agreement
Positive
Apr 7, 2026
On April 2, 2026, ST Bancorp, Inc. and ST Bank entered into an amended and restated employment agreement with Chief Executive Officer Christopher McComish, effective January 1, 2026, for a four-year term with automatic one-year renewals. The agree...
Business Operations and StrategyFinancial Disclosures
S&T Bancorp Updates Investor Presentation on Strategic Direction
Positive
Feb 11, 2026
ST Bancorp has released an updated investor presentation outlining its financial profile and strategic direction, which management plans to use in ongoing meetings with investors and analysts and has made available on the company’s website. ...
Executive/Board Changes
S&T Bancorp Grants Temporary Waiver to Director Age Limit
Neutral
Feb 2, 2026
Effective January 28, 2026, ST Bancorp, Inc.’s board of directors granted a limited waiver of its age-72 mandatory retirement rule for Lead Independent Director Jeffrey D. Grube, allowing him to remain eligible for nomination through the 202...
Dividends
S&T Bancorp Raises Quarterly Dividend, Boosting Shareholder Returns
Positive
Jan 28, 2026
On January 28, 2026, ST 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, 20...
Business Operations and StrategyStock BuybackFinancial Disclosures
S&T Bancorp Announces Strong 2025 Results, New Buyback
Positive
Jan 22, 2026
On January 22, 2026, ST 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...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.