S&T Bancorp (STBA)
NASDAQ:STBA
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S&T Bancorp
(NASDAQ:STBA)
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Rating:79Outperform
Price Target:
$50.00
▲(13.25% Upside)
Action:ReiteratedDate:04/30/26
STBA scores well on solid financial fundamentals (healthy profitability and conservative leverage) and supportive technical momentum. Valuation is also favorable (low P/E and a ~3.15% yield). The score is held back by earnings-call headwinds around loan growth and modest NIM pressure despite strong deposits, capital strength, and asset quality.
Positive Factors
Deep, growing core deposit franchise
Record quarterly deposit inflows and a rising DDA mix materially strengthen low‑cost, sticky funding. This reduces reliance on wholesale funding, bolsters liquidity, and provides durable balance‑sheet flexibility to fund loans or securities, supporting net interest income stability over months.
Negative Factors
Declining loan balances and weak loan demand
A meaningful quarter‑over‑quarter loan decline highlights softer commercial activity, CRE payoffs and lower revolver use. Persistently weak loan growth limits net interest income expansion and operating leverage, constraining durable earnings growth unless origination momentum reverses.
Read all positive and negative factors
Positive Factors
Negative Factors
Deep, growing core deposit franchise
Record quarterly deposit inflows and a rising DDA mix materially strengthen low‑cost, sticky funding. This reduces reliance on wholesale funding, bolsters liquidity, and provides durable balance‑sheet flexibility to fund loans or securities, supporting net interest income stability over months.
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)11.1
Beta (1Y)0.68
Revenue Growth2.41%
EPS GrowthN/A
CountryUS
Employees1,206
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.94
Shares Outstanding36,645,010
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 Cap0.88
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit3.59
Enterprise Value/Ebitda8.43
Forecast
1Y Price Target
$45.33Price Target Upside2.68% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)3.67
Revenue Forecast (FY)$423.61M
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:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 16, 2026
Earnings Call Sentiment Positive
The call conveyed multiple strong positives—record and broad-based deposit growth, improved returns (ROTCE), disciplined buybacks with robust capital ratios, reduced wholesale funding, low charge-offs and improving NPLs, and growing treasury management fee initiatives. Offsetting these were meaningful near-term headwinds: a $113M decline in loans, lowered loan growth guidance, a modest NIM decline (7 bps) and $2.6M drop in net interest income, softer noninterest income in the quarter, and rising competitive pressure on loan pricing and CRE runoff. Management emphasized balance-sheet flexibility, continued hiring to drive future loan growth, and discipline on pricing. Overall, the positives (record deposits, capital actions, returns, and asset quality) appear to outweigh the near-term operational and competitive headwinds, though monitoring loan growth and margin competition will be important going forward.Positive Updates
Strong Net Income and EPS Growth
Net income of $35.0 million, or $0.94 per share, up ~6% vs Q4 2025 and up 8% vs Q1 2025.
Negative Updates
Quarterly Loan Balance Decline
Total loan balances declined by $113 million in Q1 2026. Causes cited include a reduced commercial pipeline entering the year, increased competition on loan pricing, higher-than-expected commercial real estate payouts to nonbank lenders, lower revolver utilization, and delayed construction draws (weather). Management lowered near-term loan growth guidance to low single digits for Q2.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Net Income and EPS Growth
Net income of $35.0 million, or $0.94 per share, up ~6% vs Q4 2025 and up 8% vs Q1 2025.
Read all positive updates
Company Guidance
Management guided to low‑single‑digit loan growth for Q2 and “relative” NIM stability around the current 3.92% (Q1 NIM down 7 bps as net interest income fell $2.6M), with fee income expected about $13–$14M per quarter and noninterest expense targeted to rise ~3% YoY (implying a quarterly run‑rate ≈ $58M). Key Q1 metrics cited: $35M net income ($0.94 EPS), ROTCE 13.22% (up ~1% QoQ), ROA up ~7 bps, deposits grew >$300M to north of $8B with DDA 28% (up 1% QoQ) and wholesale funding down ≈$200M, loan balances down $113M, March deposit cost ≈2.47%, new‑production spreads ~2.00–2.25% (slid ~5–10 bps), net charge‑offs $1.7M (9 bps), NPAs $50M (63 bps, down $5.7M), ACL 1.17%, CET1 >14% (TCE down 43 bps after repurchasing ~1.146M shares for just under $50M in Q1; ~$85.8M repurchased over two quarters, ~2M shares or ~5.5% of shares, with ~$50M authorization remaining).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
44.15
Price Trends
42.42
Positive
41.51
Positive
39.34
Positive
Market Momentum
0.67
Negative
64.62
Neutral
61.88
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 44.15 is above the 20-day moving average (MA) of 42.52, above the 50-day MA of 42.42, and above the 200-day MA of 39.34, indicating a bullish trend. The MACD of 0.67 indicates Negative momentum. The RSI at 64.62 is Neutral, neither overbought nor oversold. The STOCH value of 61.88 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.60B | 11.13 | 9.35% | 3.38% | 2.41% | ― | |
78 Outperform | $1.89B | 17.98 | 7.35% | 3.07% | 3.18% | -7.24% | |
73 Outperform | $1.60B | 11.36 | 9.87% | 2.83% | 2.52% | 15.48% | |
69 Neutral | $1.62B | 12.80 | 10.25% | 2.89% | 37.97% | 7.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.59B | 55.83 | 3.40% | ― | 6.29% | 220.03% | |
58 Neutral | $2.07B | 7.27 | 9.89% | 1.19% | -4.31% | -24.74% |
* Financial Sector Average
STBA
S&T Bancorp
43.77
8.59
24.43%
GABC
German American Bancorp
43.04
6.23
16.93%
TCBK
Trico Bancshares
50.10
12.70
33.97%
TFIN
Triumph Financial
66.82
13.40
25.08%
NBHC
National Bank Holdings
42.22
7.20
20.55%
MBIN
Merchants Bancorp
45.00
15.27
51.34%
S&T Bancorp Corporate Events
DividendsFinancial Disclosures
S&T Bancorp Boosts Quarterly Dividend, Signaling Ongoing Strength
Positive
Apr 29, 2026
On April 29, 2026, ST Bancorp, Inc.’s board approved a quarterly cash dividend of $0.37 per share, marking an increase from $0.36 in the prior quarter and $0.34 in the same period a year earlier. Based on the April 28, 2026 closing share pri...
Business Operations and StrategyStock BuybackFinancial Disclosures
S&T Bancorp Reports Strong Q1 2026 Earnings Growth
Positive
Apr 23, 2026
On April 23, 2026, ST Bancorp, Inc., the Indiana, Pa.-based holding company for ST Bank, reported first-quarter 2026 net income of $35.1 million, up from both the prior quarter and the year-earlier period, with diluted EPS rising to $0.94. The qua...
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...
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.