S&T Bancorp (STBA) AI Stock Analysis

• Market Cap: $1.59B
• Dividend Yield: 3.33%
• Average Volume (3M): 133.23K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.64
• Revenue Growth: -1.48%
• EPS Growth: -1.58%
• Country: US
• Employees: 1,206
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.91
• 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: 1.02
• Enterprise Value/Revenue: 2.50
• Enterprise Value/Gross Profit: 3.68
• Enterprise Value/Ebitda: 7.76
• 1Y Price Target: $41.00
• Price Target Upside: -1.18% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 80 Outperform
• Price Target: $46.00 ▲(10.87% Upside)

S&T Bancorp's overall stock score of 80 reflects its strong financial performance, positive technical indicators, and reasonable valuation. The company's strategic initiatives and recent corporate events further bolster its outlook. While there are some challenges, such as increased NPAs, the overall sentiment remains positive, supported by robust earnings and strategic growth plans.

Positive Factors

Net Interest Margin Expansion

The expansion of net interest margin indicates improved profitability from core banking operations, enhancing long-term earnings potential.

Strategic Growth Initiatives

The focus on enterprise risk management, talent engagement, and core profitability supports sustainable growth and competitive positioning.

Board Appointment

The new board appointment enhances strategic leadership, potentially improving governance and aligning with long-term strategic goals.

Negative Factors

Increase in Non-Performing Assets

Rising non-performing assets can impact asset quality and profitability, posing risks to financial stability and future earnings.

Flat Deposit Growth

Flat deposit growth may limit funding for loan expansion, affecting the bank's ability to capitalize on lending opportunities.

C&I Loan Declines

Declining C&I loans could signal weakening demand or competitive pressures, impacting revenue from this segment.

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

S&T Bancorp shows strong financial health with impressive revenue growth and profitability. The balance sheet is well-managed with low leverage, and cash flows are robust, supporting future growth opportunities. Minor areas for improvement include return on equity and cost efficiency.

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	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	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: 41.49
• 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 41.49 is above the 20-day moving average (MA) of 40.89, above the 50-day MA of 38.40, and above the 200-day MA of 37.21, indicating a bullish trend. The MACD of 1.06 indicates Negative momentum. The RSI at 59.60 is Neutral, neither overbought nor oversold. The STOCH value of 68.38 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	80 Outperform	$1.59B	11.99	9.35%	3.33%	-1.48%	-1.58%
NBHC	79 Outperform	$1.50B	12.55	9.06%	3.02%	-2.46%	-1.98%
TCBK	78 Outperform	$1.62B	14.02	9.20%	2.77%	0.93%	5.65%
GABC	73 Outperform	$1.53B	14.24	10.75%	2.85%	30.45%	3.13%
MBIN	72 Outperform	$1.61B	8.08	11.84%	1.14%	-2.45%	-28.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFIN	67 Neutral	$1.47B	218.79	1.11%	―	2.04%	-64.17%

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.

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.

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.

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.

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.