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S&T Bancorp, Inc.NasdaqGS:STBA Stock Report

Market Cap US$1.4b
Share Price
US$36.64
My Fair Value
US$40.4
9.3% undervalued intrinsic discount
1Y-3.2%
7D0.5%
Portfolio Value
​
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S&T Bancorp, Inc.

NasdaqGS:STBA Stock Report

Market Cap: US$1.4b

S&T Bancorp (STBA) Stock Overview

Operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. More details

STBA fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 44.2% below our estimate of its fair value

Pays a reliable dividend of 3.71%

Risk Analysis

No risks detected for STBA from our risk checks.

STBA Community Fair Values

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See what others think this stock is worth. Follow their fair value or set your own to get alerts.

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S&T Bancorp

Digital Competition And Regulation Will Erode Local Banking

Key Takeaways Rising competition from fintechs and non-bank lenders threatens S&T Bancorp's customer base, fee income, and long-term revenue growth. Geographic concentration and heightened regulatory burdens increase credit risk, operating costs, and pressure on earnings and margins.
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US$41.17
FV
11.0% undervalued intrinsic discount
5.62%
Revenue growth p.a.
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2users have followed this narrative
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S&T Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for S&T Bancorp
Historical stock prices
Current Share PriceUS$36.64
52 Week HighUS$45.46
52 Week LowUS$30.84
Beta0.92
1 Month Change-1.98%
3 Month Change0.80%
1 Year Change-3.16%
3 Year Change-2.84%
5 Year Change91.83%
Change since IPO651.59%

Recent News & Updates

S&T Bancorp, Inc. Just Recorded A 6.0% EPS Beat: Here's What Analysts Are Forecasting Next

Oct 28
S&T Bancorp, Inc. Just Recorded A 6.0% EPS Beat: Here's What Analysts Are Forecasting Next

Recent updates

S&T Bancorp, Inc. Just Recorded A 6.0% EPS Beat: Here's What Analysts Are Forecasting Next

Oct 28
S&T Bancorp, Inc. Just Recorded A 6.0% EPS Beat: Here's What Analysts Are Forecasting Next

S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its Second-Quarter Earnings: Here's What Analysts Think

Jul 27
S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its Second-Quarter Earnings: Here's What Analysts Think

S&T Bancorp: Earnings Likely To Decline, Stock Appears Fairly Valued

Jun 07

S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

Feb 02
S&T Bancorp, Inc. (NASDAQ:STBA) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?

S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Oct 27
S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's
User avatar

Shrinking Margins And Regulatory Hurdles Threaten Future Profitability In The Banking Sector

Reduced commercial loan balances and profitable payoffs could hinder short-term revenue growth amid elevated competition and declining market rates.

S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its First-Quarter Results And Analysts Are Updating Their Estimates

Apr 22
S&T Bancorp, Inc. (NASDAQ:STBA) Just Released Its First-Quarter Results And Analysts Are Updating Their Estimates

With EPS Growth And More, S&T Bancorp (NASDAQ:STBA) Makes An Interesting Case

Jan 23
With EPS Growth And More, S&T Bancorp (NASDAQ:STBA) Makes An Interesting Case

S&T Bancorp's (NASDAQ:STBA) Shareholders Will Receive A Bigger Dividend Than Last Year

Oct 31
S&T Bancorp's (NASDAQ:STBA) Shareholders Will Receive A Bigger Dividend Than Last Year

Do S&T Bancorp's (NASDAQ:STBA) Earnings Warrant Your Attention?

Oct 20
Do S&T Bancorp's (NASDAQ:STBA) Earnings Warrant Your Attention?

S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Apr 30
S&T Bancorp's (NASDAQ:STBA) Upcoming Dividend Will Be Larger Than Last Year's

Should You Be Adding S&T Bancorp (NASDAQ:STBA) To Your Watchlist Today?

Mar 08
Should You Be Adding S&T Bancorp (NASDAQ:STBA) To Your Watchlist Today?

S&T Bancorp (NASDAQ:STBA) Has Announced That It Will Be Increasing Its Dividend To $0.32

Jan 29
S&T Bancorp (NASDAQ:STBA) Has Announced That It Will Be Increasing Its Dividend To $0.32

S&T Bancorp's (NASDAQ:STBA) Dividend Will Be Increased To $0.31

Oct 21
S&T Bancorp's (NASDAQ:STBA) Dividend Will Be Increased To $0.31

S&T Bancorp GAAP EPS of $0.95 beats by $0.12, revenue of $98.88M beats by $3.06M

Oct 20

Shareholder Returns

STBAUS BanksUS Market
7D0.5%1.1%0.5%
1Y-3.2%22.8%20.1%

Return vs Industry: STBA underperformed the US Banks industry which returned 22.8% over the past year.

Return vs Market: STBA underperformed the US Market which returned 20.1% over the past year.

Price Volatility

Is STBA's price volatile compared to industry and market?
STBA volatility
STBA Average Weekly Movement3.7%
Banks Industry Average Movement3.8%
Market Average Movement6.4%
10% most volatile stocks in US Market17.4%
10% least volatile stocks in US Market3.0%

Stable Share Price: STBA has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: STBA's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19021,206Chris McComishwww.stbancorp.com

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. The company accepts time and demand deposits; offers commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions.

S&T Bancorp, Inc. Fundamentals Summary

How do S&T Bancorp's earnings and revenue compare to its market cap?
STBA fundamental statistics
Market capUS$1.41b
Earnings (TTM)US$133.32m
Revenue (TTM)US$391.89m
10.5x
P/E Ratio
1.0x
P/B Ratio

Is STBA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
STBA income statement (TTM)
RevenueUS$391.89m
Cost of RevenueUS$0
Gross ProfitUS$391.89m
Other ExpensesUS$258.58m
EarningsUS$133.32m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)3.48
Gross Margin100.00%
Net Profit Margin34.02%
Debt/Equity Ratio15.9%

How did STBA perform over the long term?

See historical performance and comparison

Dividends

3.7%
Current Dividend Yield
20%
Payout Ratio

Does STBA pay a reliable dividends?

See STBA dividend history and benchmarks
When do you need to buy STBA by to receive an upcoming dividend?
S&T Bancorp dividend dates
Ex Dividend DateNov 13 2025
Dividend Pay DateNov 28 2025
Days until Ex dividend11 days
Days until Dividend pay date26 days

Does STBA pay a reliable dividends?

See STBA dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/02 08:40
End of Day Share Price 2025/10/31 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

S&T Bancorp, Inc. is covered by 12 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andrew StappB. Riley Securities, Inc.
David BishopHovde Group, LLC
Daniel CardenasJanney Montgomery Scott LLC