S&T Bancorp Inc STBA

FinancialsBanking ServicesUnited States of America

Last close 51.09 USD on Nov 1, 2026, +31.6% year to date

Quant rating

Quant rating B Rank 208 of 799 in Financials

Growth C 430 of 799
Valuation D 571 of 799
Quality B 294 of 799
Revisions B 191 of 799
Momentum B 188 of 799

Wall Street consensus Hold (2.86)Average target 54.17 USD +6.0%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 1.8B
Enterprise value: 1.6B
52-week range: 36.23 – 53.50
3-year range: 26.10 – 53.50
Dividend yield: 3.01%
Beta (5 years): 0.86
Shares outstanding: 35.3M
Next earnings: Jan 20, 2027

About the company

S&T Bancorp, Inc. is a bank holding company. Its segments include Commercial Real Estate (CRE), Commercial and Industrial (C&I), Commercial Construction, Business Banking, Consumer Real Estate and Other Consumer. The CRE segment includes loans secured by commercial purpose real estate, including both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The C&I segment includes loans made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. Commercial construction includes loans made to finance the construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment includes commercial purpose loans made for small businesses. The Consumer Real Estate segment includes loans secured by first and second liens.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	516	516	478	341	289	–
Revenue growth	0.1%	7.9%	40.2%	17.8%	−9.7%	10.0%
EPS (basic, normalized)	3.51	3.43	3.76	3.47	2.81	–
EPS growth	2.4%	−8.8%	8.6%	23.2%	291.4%	37.4%
Gross margin	–	–	–	–	–	–
Net margin	26.0%	25.4%	30.3%	39.7%	38.0%	31.9%
ROE	9.4%	9.6%	11.8%	11.5%	9.3%	10.3%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	14.0%
Long-term debt (mil)	50.3
Net debt (mil)	–
Total equity (mil)	1,407
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	516	+0.1%	3.2x	39.14	+7.4%	1.3x	3.49	+2.3%	14.6x
2026	423	−18.1%	3.9x	40.81	+4.3%	1.3x	4.05	+16.1%	12.6x
2027	439	+3.8%	3.7x	43.51	+6.6%	1.2x	4.16	+2.6%	12.3x
2028	453	+3.1%	3.6x	46.40	+6.6%	1.1x	4.22	+1.6%	12.1x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	423	+0.1%	0.0%	+0.5%	4.05	+2.8%	+3.1%	+8.8%
2027	439	−0.1%	+0.1%	+0.5%	4.16	+4.0%	+3.8%	+8.6%
2028	453	0.0%	–	–	4.22	+3.3%	–	–

Earnings surprises EPS beat in 4 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	96.3	88.0	96.4	94.3	93.8	100	103	105	102	105
Sales mean (mil)	95.8	96.3	98.9	96.9	96.4	99.1	103	103	104	104
Surprise	+0.6%	−8.6%	−2.6%	−2.6%	−2.7%	+1.0%	0.0%	+1.8%	−1.6%	+0.8%
EPS reported	0.81	0.89	0.85	0.86	0.87	0.83	0.91	0.89	0.94	1.02
EPS mean	0.78	0.74	0.81	0.77	0.75	0.81	0.86	0.87	0.86	0.92
Surprise	+3.4%	+19.6%	+5.3%	+11.7%	+16.4%	+3.0%	+6.3%	+1.9%	+8.9%	+11.0%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
STBA S&T Bancorp Inc	1.8B	14.0%	26.0%	1.00x	12.6x	12.3x	1.3x	1.2x
VLY Valley National Bancorp	7.8B	11.4%	17.6%	1.05x	10.9x	9.3x	1.0x	0.9x
UBSI United Bankshares, Inc.	6.5B	13.3%	27.6%	1.11x	13.0x	12.2x	1.2x	1.1x
AUB Atlantic Union Bankshares Corporation	5.5B	10.9%	14.4%	1.11x	10.4x	9.7x	1.1x	1.0x
EBC Eastern Bankshares Inc	5.1B	13.0%	7.6%	1.12x	11.9x	10.4x	1.2x	1.1x
FLG Flagstar Bank, National Association	4.2B	14.0%	−4.7%	1.11x	38.8x	11.4x	0.5x	0.5x
Mean		12.8%	14.7%	1.08x	16.3x	10.9x	1.0x	1.0x
Median		13.2%	16.0%	1.11x	12.2x	10.9x	1.1x	1.1x

Technical analysis

1M+2.9%
3M−4.6%
1Y+41.1%
3Y+121.0%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, S&T Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	516	516	478	341	289	320
Total interest expense	166	181	128	25.0	13.2	41.1
Net interest income	350	335	349	316	276	279
Loan loss provision	7.4	0.1	17.9	8.4	16.2	123
Net interest income after loan loss provision	343	335	332	307	260	157
Non-interest income	52.0	49.1	57.6	58.3	64.6	59.7
Non-interest expense	−227	−219	−210	−197	−189	−195
Net income before taxes	168	165	179	169	136	21.0
Provision for taxes	33.7	33.6	34.0	33.4	25.3	0
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	134	131	145	136	110	21.0
Extraordinary items	–	–	–	–	–	–
Net income	134	131	145	136	110	21.0
Basic weighted average shares (mil)	38.2	38.2	38.4	39.0	39.1	39.1
Diluted weighted average shares (mil)	38.5	38.5	38.7	39.0	39.1	39.1
Basic EPS excluding extraordinary items	3.51	3.43	3.76	3.47	2.81	0.54
Basic EPS, normalized	3.51	3.43	3.76	3.47	2.81	0.72

Balance sheet in millions of USD, fiscal years

Balance sheet, S&T Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	57.1	69.2	72.8	71.9	65.0	70.8
Other earning assets	1,111	1,178	1,156	1,164	1,779	964
Net loans	7,979	7,641	7,545	7,083	6,901	7,108
Property, plant & equipment	81.9	85.4	91.1	92.4	96.7	102
Goodwill	373	373	373	373	373	373
Intangibles	2.3	3.1	4.1	5.4	6.9	8.7
Long-term investments	–	–	–	–	–	–
Other long-term assets	32.2	42.1	45.3	51.6	20.2	18.2
Other assets	234	265	263	269	246	323
Total assets	9,871	9,658	9,552	9,111	9,489	8,968
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	–	–	–	–	–	–
Total deposits	7,959	7,783	7,522	7,220	7,997	7,421
Other bearing liabilities	165	150	415	370	0	75.0
Short-term borrowings	–	–	–	–	84.5	65.2
Current portion of long-term debt	50.1	0.1	38.4	0.5	7.7	1.3
Long-term debt	50.2	100	50.3	68.7	69.1	86.5
Minority interest	–	–	–	–	–	–
Other liabilities	183	244	243	267	124	165
Total liabilities	8,407	8,278	8,268	7,926	8,282	7,813
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	104	104	104	104	104	104
Additional paid-in capital	413	412	409	406	403	401
Retained earnings (accumulated deficit)	1,120	1,039	960	864	774	710
Treasury stock	−131	−97.2	−97.9	−77.1	−66.8	−68.6
Other equity	−41.7	−77.0	−90.9	−112	−7.1	9.0
Total equity	1,464	1,380	1,283	1,185	1,206	1,155
Total liabilities & shareholders' equity	9,871	9,658	9,552	9,111	9,489	8,968

Cash flow statement in millions of USD, fiscal years

Cash flow statement, S&T Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	134	131	145	136	110	21.0
Depreciation, depletion & amortization	10.4	10.9	7.5	9.0	11.5	7.6
Deferred taxes	0.2	−0.3	0.6	−2.9	2.4	−4.4
Non-cash items	2.0	7.7	8.4	9.3	7.9	4.8
Changes in working capital	−13.2	23.9	10.4	89.6	84.0	24.4
Cash from operations	134	173	172	241	216	53.5
Investing activities
Capital expenditures	−4.8	−3.0	−6.2	−3.9	−3.6	−5.4
Other investing cash flows	−310	−115	−438	−395	15.6	−156
Cash from investing	−315	−118	−444	−399	12.0	−161
Financing activities
Financing cash flow items	191	−3.6	347	−491	520	224
Cash dividends paid	−52.9	−51.0	−49.7	−47.0	−44.3	−43.9
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−38.0	10.7	−1.1	−16.1	−11.6	−40.3
Cash from financing	99.8	−43.9	296	−554	464	139
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−81.4	11.2	23.6	−712	693	31.8
Free cash flow	129	170	166	237	212	48.0

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.