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

Fundamental Rating

Overall STBA gets a fundamental rating of 4 out of 10. We evaluated STBA against 398 industry peers in the Banks industry. STBA has an average financial health and profitability rating. STBA has a valuation in line with the averages, but on the other hand it scores bad on growth. STBA also has an excellent dividend rating.

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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.

STBA had positive earnings in each of the past 5 years.

In the past 5 years STBA always reported a positive cash flow from operatings.

1.2 Ratios

STBA has a Return On Assets of 1.36%. This is amongst the best in the industry. STBA outperforms 87.44% of its industry peers.

STBA has a better Return On Equity (9.51%) than 62.56% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.36%
ROE	9.51%
ROIC	N/A

ROA(3y)1.45%

ROA(5y)1.15%

ROE(3y)10.73%

ROE(5y)8.62%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 34.11%, STBA belongs to the top of the industry, outperforming 90.45% of the companies in the same industry.

In the last couple of years the Profit Margin of STBA has remained more or less at the same level.

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)	34.11%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.96%

PM growth 5Y0.88%

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 about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for STBA has been reduced compared to 5 years ago.

STBA has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of STBA is 0.59, which is an excellent value as it means it would take STBA, only 0.59 years of fcf income to pay off all of its debts.

STBA's Debt to FCF ratio of 0.59 is amongst the best of the industry. STBA outperforms 82.91% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that STBA is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.07, STBA is doing good in the industry, outperforming 78.64% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.59
Altman-Z	N/A

ROIC/WACCN/A

WACC15.13%

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.

Looking at the last year, STBA shows a decrease in Revenue. The Revenue has decreased by -5.48% in the last year.

Measured over the past years, STBA shows a small growth in Revenue. The Revenue has been growing by 5.10% on average per year.

EPS 1Y (TTM)-8.82%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-10.42%

Revenue 1Y (TTM)-5.48%

Revenue growth 3Y4.06%

Revenue growth 5Y5.1%

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 -0.52% on average per year.

The Revenue is expected to grow by 3.75% on average over the next years.

EPS Next Y-7.31%

EPS Next 2Y-0.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.15%

Revenue Next 2Y3.75%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

STBA is valuated reasonably with a Price/Earnings ratio of 10.59.

Based on the Price/Earnings ratio, STBA is valued a bit cheaper than the industry average as 66.08% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 28.64, STBA is valued rather cheaply.

With a Price/Forward Earnings ratio of 11.42, the valuation of STBA can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of STBA indicates a slightly more expensive valuation: STBA is more expensive than 62.31% of the companies listed in the same industry.

STBA is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	11.42

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STBA is valued a bit cheaper than 75.63% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.13
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)5.32

EPS Next 2Y-0.52%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

STBA has a Yearly Dividend Yield of 3.92%.

Compared to an average industry Dividend Yield of 3.68, STBA pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.52, STBA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.92%

5.2 History

The dividend of STBA has a limited annual growth rate of 5.77%.

STBA has paid a dividend for at least 10 years, which is a reliable track record.

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

Dividend Growth(5Y)5.77%

Div Incr Years12

Div Non Decr Years14

5.3 Sustainability

STBA pays out 38.84% of its income as dividend. This is a sustainable payout ratio.

DP38.84%

EPS Next 2Y-0.52%

EPS Next 3YN/A

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S & T BANCORP INC

NASDAQ:STBA (4/24/2025, 11:55:51 AM)

36.11

-0.08 (-0.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-24 2025-04-24/bmo

Inst Owners72.95%

Inst Owner Change-0.07%

Ins Owners0.85%

Ins Owner Change6.16%

Market Cap1.39B

Analysts50

Price Target43.61 (20.77%)

Short Float %1.77%

Short Ratio4.05

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.92%

Yearly Dividend1.33

Dividend Growth(5Y)5.77%

DP38.84%

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)6.38%

Min EPS beat(2)3.21%

Max EPS beat(2)9.56%

EPS beat(4)4

Avg EPS beat(4)7.86%

Min EPS beat(4)1.39%

Max EPS beat(4)17.28%

EPS beat(8)6

Avg EPS beat(8)4.89%

EPS beat(12)10

Avg EPS beat(12)7.76%

EPS beat(16)13

Avg EPS beat(16)7.5%

Revenue beat(2)0

Avg Revenue beat(2)-4.51%

Min Revenue beat(2)-4.54%

Max Revenue beat(2)-4.48%

Revenue beat(4)0

Avg Revenue beat(4)-5.21%

Min Revenue beat(4)-10.4%

Max Revenue beat(4)-1.41%

Revenue beat(8)1

Avg Revenue beat(8)-3.54%

Revenue beat(12)4

Avg Revenue beat(12)-2.12%

Revenue beat(16)5

Avg Revenue beat(16)-1.86%

PT rev (1m)0%

PT rev (3m)1.79%

EPS NQ rev (1m)-0.32%

EPS NQ rev (3m)3.35%

EPS NY rev (1m)-0.09%

EPS NY rev (3m)2.05%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.15%

Revenue NY rev (1m)-0.04%

Revenue NY rev (3m)0.63%

Valuation

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	11.42
P/S	3.6
P/FCF	8.13
P/OCF	7.99
P/B	1
P/tB	1.38
EV/EBITDA	N/A

EPS(TTM)3.41

EY9.44%

EPS(NY)3.16

Fwd EY8.75%

FCF(TTM)4.44

FCFY12.3%

OCF(TTM)4.52

OCFY12.51%

SpS10.03

BVpS35.97

TBVpS26.16

PEG (NY)N/A

PEG (5Y)5.32

Profitability

		Industry Rank	Sector Rank
ROA	1.36%
ROE	9.51%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.11%
GM	N/A
FCFM	44.28%

ROA(3y)1.45%

ROA(5y)1.15%

ROE(3y)10.73%

ROE(5y)8.62%

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 3Y1.96%

PM growth 5Y0.88%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	0.59
Debt/EBITDA	N/A
Cap/Depr	27.56%
Cap/Sales	0.78%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	129.81%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.13%

ROIC/WACCN/A

Cap/Depr(3y)51.2%

Cap/Depr(5y)51.19%

Cap/Sales(3y)1.12%

Cap/Sales(5y)1.2%

Profit Quality(3y)139.77%

Profit Quality(5y)168.34%

High Growth Momentum

Growth

EPS 1Y (TTM)-8.82%

EPS 3Y6.79%

EPS 5Y1.99%

EPS Q2Q%-10.42%

EPS Next Y-7.31%

EPS Next 2Y-0.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.48%

Revenue growth 3Y4.06%

Revenue growth 5Y5.1%

Sales Q2Q%-8.57%

Revenue Next Year2.15%

Revenue Next 2Y3.75%

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 1Y2.93%

FCF growth 3Y-7.1%

FCF growth 5Y5.05%

OCF growth 1Y0.94%

OCF growth 3Y-7.08%

OCF growth 5Y4.61%

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