S & T BANCORP INC(NASDAQ:STBA) stock Fundamental Analysis

Fundamental Rating

STBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. While STBA is still in line with the averages on profitability rating, there are concerns on its financial health. STBA has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

STBA had positive earnings in the past year.

In the past year STBA had a positive cash flow from operations.

Of the past 5 years STBA 4 years were profitable.

Of the past 5 years STBA 4 years had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 1.41%, STBA belongs to the best of the industry, outperforming 88.47% of the companies in the same industry.

Looking at the Return On Equity, with a value of 9.83%, STBA is in the better half of the industry, outperforming 69.42% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.41%
ROE	9.83%
ROIC	N/A

ROA(3y)1.39%

ROA(5y)1.1%

ROE(3y)10.59%

ROE(5y)8.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of STBA (34.43%) is better than 90.48% of its industry peers.

STBA's Profit Margin has been stable in the last couple of years.

STBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.43%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y79.02%

PM growth 5Y-0.82%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

STBA does not have a ROIC to compare to the WACC, probably because it is not profitable.

STBA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of STBA is 0.73, which is an excellent value as it means it would take STBA, only 0.73 years of fcf income to pay off all of its debts.

With an excellent Debt to FCF ratio value of 0.73, STBA belongs to the best of the industry, outperforming 82.21% of the companies in the same industry.

A Debt/Equity ratio of 0.08 indicates that STBA is not too dependend on debt financing.

STBA's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. STBA outperforms 76.94% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	0.73
Altman-Z	N/A

ROIC/WACCN/A

WACC11.44%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for STBA have decreased by -8.82% in the last year.

STBA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.99% yearly.

EPS 1Y (TTM)-8.82%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-10.42%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-8.57%

3.2 Future

Based on estimates for the next years, STBA will show a decrease in Earnings Per Share. The EPS will decrease by -0.06% on average per year.

Based on estimates for the next years, STBA will show a small growth in Revenue. The Revenue will grow by 3.99% on average per year.

EPS Next Y-7.22%

EPS Next 2Y-0.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.19%

Revenue Next 2Y3.99%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

STBA is valuated reasonably with a Price/Earnings ratio of 11.54.

STBA's Price/Earnings ratio is a bit cheaper when compared to the industry. STBA is cheaper than 66.17% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 29.63, STBA is valued rather cheaply.

The Price/Forward Earnings ratio is 12.44, which indicates a correct valuation of STBA.

The rest of the industry has a similar Price/Forward Earnings ratio as STBA.

The average S&P500 Price/Forward Earnings ratio is at 22.68. STBA is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	11.54
Fwd PE	12.44

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STBA is valued a bit cheaper than 71.18% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.73
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)5.8

EPS Next 2Y-0.06%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

STBA has a Yearly Dividend Yield of 3.39%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.18, STBA pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.27, STBA pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.39%

5.2 History

The dividend of STBA has a limited annual growth rate of 5.39%.

STBA has been paying a dividend for at least 10 years, so it has a reliable track record.

STBA has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)5.39%

Div Incr Years12

Div Non Decr Years14

5.3 Sustainability

37.40% of the earnings are spent on dividend by STBA. This is a low number and sustainable payout ratio.

DP37.4%

EPS Next 2Y-0.06%

EPS Next 3YN/A

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S & T BANCORP INC

NASDAQ:STBA (2/21/2025, 8:00:01 PM)

After market: 39.36 0 (0%)

39.36

-0.72 (-1.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/bmo

Earnings (Next)04-16 2025-04-16/bmo

Inst Owners72.95%

Inst Owner Change-95.28%

Ins Owners0.85%

Ins Owner Change0.21%

Market Cap1.51B

Analysts50

Price Target43.61 (10.8%)

Short Float %1.85%

Short Ratio4.12

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.39%

Yearly Dividend1.29

Dividend Growth(5Y)5.39%

DP37.4%

Div Incr Years12

Div Non Decr Years14

Ex-Date02-13 2025-02-13 (0.34)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.25%

Min EPS beat(2)3.21%

Max EPS beat(2)17.28%

EPS beat(4)4

Avg EPS beat(4)7.91%

Min EPS beat(4)1.39%

Max EPS beat(4)17.28%

EPS beat(8)6

Avg EPS beat(8)4.66%

EPS beat(12)9

Avg EPS beat(12)5.99%

EPS beat(16)13

Avg EPS beat(16)8.1%

Revenue beat(2)0

Avg Revenue beat(2)-7.44%

Min Revenue beat(2)-10.4%

Max Revenue beat(2)-4.48%

Revenue beat(4)1

Avg Revenue beat(4)-3.73%

Min Revenue beat(4)-10.4%

Max Revenue beat(4)1.38%

Revenue beat(8)2

Avg Revenue beat(8)-2.65%

Revenue beat(12)4

Avg Revenue beat(12)-1.83%

Revenue beat(16)5

Avg Revenue beat(16)-1.65%

PT rev (1m)1.79%

PT rev (3m)4.91%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)-0.01%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	11.54
Fwd PE	12.44
P/S	3.83
P/FCF	9.73
P/OCF	9.52
P/B	1.09
P/tB	1.51
EV/EBITDA	N/A

EPS(TTM)3.41

EY8.66%

EPS(NY)3.16

Fwd EY8.04%

FCF(TTM)4.05

FCFY10.28%

OCF(TTM)4.14

OCFY10.51%

SpS10.26

BVpS35.96

TBVpS26.11

PEG (NY)N/A

PEG (5Y)5.8

Profitability

		Industry Rank	Sector Rank
ROA	1.41%
ROE	9.83%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.43%
GM	N/A
FCFM	39.41%

ROA(3y)1.39%

ROA(5y)1.1%

ROE(3y)10.59%

ROE(5y)8.36%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y79.02%

PM growth 5Y-0.82%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	0.73
Debt/EBITDA	N/A
Cap/Depr	45.92%
Cap/Sales	0.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	114.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC11.44%

ROIC/WACCN/A

Cap/Depr(3y)52.45%

Cap/Depr(5y)63.61%

Cap/Sales(3y)1.21%

Cap/Sales(5y)1.39%

Profit Quality(3y)160.96%

Profit Quality(5y)169.57%

High Growth Momentum

Growth

EPS 1Y (TTM)-8.82%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-10.42%

EPS Next Y-7.22%

EPS Next 2Y-0.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%-8.57%

Revenue Next Year2.19%

Revenue Next 2Y3.99%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-36.88%

FCF growth 3Y50.98%

FCF growth 5Y5.98%

OCF growth 1Y-36.6%

OCF growth 3Y47.52%

OCF growth 5Y6.06%

S & T BANCORP INC (STBA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens