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Financial Services - Banks - Regional - NASDAQ - US
$ 36.0
0.167 %
$ 1.38 B
Market Cap
10.37
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STBA stock under the worst case scenario is HIDDEN Compared to the current market price of 36 USD, S&T Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STBA stock under the base case scenario is HIDDEN Compared to the current market price of 36 USD, S&T Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STBA stock under the best case scenario is HIDDEN Compared to the current market price of 36 USD, S&T Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart STBA

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$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
565 M REVENUE
5.50%
165 M OPERATING INCOME
-7.82%
131 M NET INCOME
-9.34%
173 M OPERATING CASH FLOW
0.94%
-118 M INVESTING CASH FLOW
73.37%
-43.9 M FINANCING CASH FLOW
-14.82%
135 M REVENUE
-2.64%
41.7 M OPERATING INCOME
0.86%
33.4 M NET INCOME
0.00%
28.7 M OPERATING CASH FLOW
-47.63%
-103 M INVESTING CASH FLOW
-58.67%
41.7 M FINANCING CASH FLOW
53.88%
Balance Sheet S&T Bancorp, Inc.
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Current Assets 1.23 B
Cash & Short-Term Investments 1.23 B
Receivables 0
Other Current Assets 0
Non-Current Assets 8.43 B
Long-Term Investments 7.64 B
PP&E 45 M
Other Non-Current Assets 739 M
12.76 %79.12 %7.65 %Total Assets$9.7b
Current Liabilities 7.93 B
Accounts Payable 0
Short-Term Debt 150 M
Other Current Liabilities 7.78 B
Non-Current Liabilities 345 M
Long-Term Debt 100 M
Other Non-Current Liabilities 244 M
94.03 %2.95 %Total Liabilities$8.3b
EFFICIENCY
Earnings Waterfall S&T Bancorp, Inc.
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Revenue 565 M
Cost Of Revenue 181 M
Gross Profit 384 M
Operating Expenses 219 M
Operating Income 165 M
Other Expenses 33.6 M
Net Income 131 M
600m600m500m500m400m400m300m300m200m200m100m100m00565m(181m)384m(219m)165m(34m)131mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
67.93% GROSS MARGIN
67.93%
29.17% OPERATING MARGIN
29.17%
23.23% NET MARGIN
23.23%
9.51% ROE
9.51%
1.36% ROA
1.36%
7.00% ROIC
7.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis S&T Bancorp, Inc.
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250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 131 M
Depreciation & Amortization 10.9 M
Capital Expenditures -2.99 M
Stock-Based Compensation 4.62 M
Change in Working Capital 15.6 M
Others 19.2 M
Free Cash Flow 170 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets S&T Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for STBA of $41 , with forecasts ranging from a low of $41 to a high of $41 .
STBA Lowest Price Target Wall Street Target
41 USD 13.89%
STBA Average Price Target Wall Street Target
41 USD 13.89%
STBA Highest Price Target Wall Street Target
41 USD 13.89%
Price
Max Price Target
Min Price Target
Average Price Target
464644444242404038383636343432323030Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.91% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.180.190.20.220.270.280.280.290.320.330.340.180.190.20.250.270.280.280.30.320.330.340.180.190.20.250.270.280.280.30.320.330.190.730.20.770.220.820.270.990.281.090.281.120.291.130.311.200.331.290.341.330.682015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership S&T Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
71.6 K USD 1
9-12 MONTHS
0 USD 0
Bought
5.03 K USD 1
0-3 MONTHS
35 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
S&T BANK RAISES OVER $117,000 TO FIGHT CHILDHOOD CANCER INDIANA, Pa., June 17, 2025 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ, STBA), is announcing a 2025 donation of over $117,000 to Alex's Lemonade Stand Foundation (ALSF). prnewswire.com - 1 week ago
S&T BANCORP THANKS FRANK J. PALERMO, JR. INDIANA, Pa., May 6, 2025 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, previously announced that after 12 years on S&T's board, Frank J. prnewswire.com - 1 month ago
S&T Bancorp, Inc. Declares Dividend INDIANA, Pa., April 30, 2025 /PRNewswire/ -- The board of directors of S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, approved a $0.34 per share cash dividend on April 30, 2025. prnewswire.com - 1 month ago
S&T Bancorp, Inc. (STBA) Q1 2025 Earnings Call Transcript S&T Bancorp, Inc. (NASDAQ:STBA ) Q1 2025 Earnings Conference Call April 24, 2025 1:00 PM ET Company Participants Mark Kochvar - Chief Financial Officer Chris McComish - Chief Executive Officer Dave Antolik - President Conference Call Participants Tyler Cacciatori - Stephens, Inc. Daniel Tamayo - Raymond James & Associates, Inc. Sharanjit Cheema - D.A. Davidson & Co. Operator Welcome to the S&T Bancorp First Quarter 2025 Conference Call. seekingalpha.com - 2 months ago
S&T Bancorp (STBA) Q1 2025 Earnings Call Image source: The Motley Fool. fool.com - 2 months ago
Here's What Key Metrics Tell Us About S&T Bancorp (STBA) Q1 Earnings The headline numbers for S&T Bancorp (STBA) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
S&T Bancorp (STBA) Tops Q1 Earnings Estimates S&T Bancorp (STBA) came out with quarterly earnings of $0.87 per share, beating the Zacks Consensus Estimate of $0.74 per share. This compares to earnings of $0.81 per share a year ago. zacks.com - 2 months ago
S&T Bancorp, Inc. Announces First Quarter 2025 Results INDIANA, Pa., April 24, 2025 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced net income of $33.4 million, or $0.87 per diluted share, for the first quarter of 2025 compared to net income of $33.1 million, or $0.86 per diluted share, for the fourth quarter of 2024 and net income of $31.2 million, or $0.81 per diluted share, for the first quarter of 2024. prnewswire.com - 2 months ago
S&T Bancorp, Inc. to Host First Quarter Earnings Conference Call and Webcast INDIANA, Pa., March 31, 2025 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced today that a conference call detailing the company's first quarter 2025 earnings will be held live via webcast at 1:00 p.m. prnewswire.com - 2 months ago
S&T BANK NAMED AS A 2025 USA TODAY TOP WORKPLACES WINNER INDIANA, Pa., March 20, 2025 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ, STBA), has announced its naming as a 2025 USA Today Top Workplace. prnewswire.com - 3 months ago
S&T BANK NAMED TO FORBES AMERICA'S BEST BANKS LIST FOR SECOND CONSECUTIVE YEAR INDIANA, Pa., Feb. 11, 2025 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ: STBA), is proud to announce being named to the Forbes America's Best Banks list for the second consecutive year. prnewswire.com - 4 months ago
S&T Bancorp, Inc. (STBA) Q4 2024 Earnings Call Transcript S&T Bancorp, Inc. (NASDAQ:STBA ) Q4 2024 Earnings Conference Call January 30, 2025 1:00 PM ET Company Participants Mark Kochvar - Chief Financial Officer Chris McComish - Chief Executive Officer Dave Antolik - President Conference Call Participants Daniel Tamayo - Raymond James Kelly Motta - KBW Matthew Breese - Stephens Operator Welcome to the S&T Bancorp Fourth Quarter and Full Year 2024 Conference Call. After management's remarks, there will be a question-and-answer session. seekingalpha.com - 4 months ago
8. Profile Summary

S&T Bancorp, Inc. STBA

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.38 B
Dividend Yield 0.91%
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, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
Contact 800 Philadelphia Street, Indiana, PA, 15701 https://www.stbancorp.com
IPO Date April 21, 1992
Employees 1206
Officers Mr. Mark Kochvar Senior EVice President, Chief Financial Officer & Investor Relation Officer Ms. Susan A. Nicholson Executive Vice President & Chief Human Resource Officer Mr. Christopher J. McComish Chief Executive Officer & Director Mr. David G. Antolik President & Director Ms. Rachel L. Smydo Executive Vice President, General Counsel & Corporate Secretary Mr. Stephen A. Drahnak Executive Vice President & Chief Commercial Banking Officer Ms. LaDawn D. Yesho Executive Vice President & Chief Risk Officer Mr. Michael Golden Executive Vice President & Chief Operating Officer Deidre A. Wilson Senior Vice President & Chief Compliance Officer Krista Martini Vice President of Marketing