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Financial Services - Banks - Regional - NASDAQ - US
$ 33.54
-0.74 %
$ 1.28 B
Market Cap
9.84
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one STBA stock under the worst case scenario is HIDDEN Compared to the current market price of 33.5 USD, S&T Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one STBA stock under the base case scenario is HIDDEN Compared to the current market price of 33.5 USD, S&T Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one STBA stock under the best case scenario is HIDDEN Compared to the current market price of 33.5 USD, S&T Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart STBA

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$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
516 M REVENUE
32.57%
510 M OPERATING INCOME
184.96%
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%
94.3 M REVENUE
-2.10%
-172 M OPERATING INCOME
-414.87%
33.1 M NET INCOME
0.00%
54.8 M OPERATING CASH FLOW
98.93%
-65.2 M INVESTING CASH FLOW
-373.35%
27.1 M FINANCING CASH FLOW
142.91%
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 422 M
Long-Term Investments 0
PP&E 45 M
Other Non-Current Assets 376 M
74.51 %22.76 %Total Assets$1.7b
Current Liabilities 150 M
Accounts Payable 0
Short-Term Debt 150 M
Other Current Liabilities 0
Non-Current Liabilities 8.13 B
Long-Term Debt 0
Other Non-Current Liabilities 8.13 B
98.19 %Total Liabilities$8.3b
EFFICIENCY
Earnings Waterfall S&T Bancorp, Inc.
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Revenue 516 M
Cost Of Revenue 0
Gross Profit 516 M
Operating Expenses 6.35 M
Operating Income 510 M
Other Expenses 378 M
Net Income 131 M
600m600m500m500m400m400m300m300m200m200m100m100m00516m0516m(6m)510m(378m)131mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
98.77% OPERATING MARGIN
98.77%
25.45% NET MARGIN
25.45%
9.51% ROE
9.51%
1.36% ROA
1.36%
24.54% ROIC
24.54%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis S&T Bancorp, Inc.
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250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 131 M
Depreciation & Amortization 13.7 M
Capital Expenditures 0
Stock-Based Compensation 4.62 M
Change in Working Capital 15.6 M
Others 16.4 M
Free Cash Flow 173 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 22.24%
STBA Average Price Target Wall Street Target
41 USD 22.24%
STBA Highest Price Target Wall Street Target
41 USD 22.24%
Price
Max Price Target
Min Price Target
Average Price Target
4646444442424040383836363434323230302828May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.88% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.180.190.20.220.270.280.280.290.320.330.340.180.190.20.250.270.280.280.30.320.330.180.190.20.250.270.280.280.30.320.330.190.730.20.770.220.820.270.990.281.090.281.120.291.130.311.200.331.290.341.330.342015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership S&T Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
71.6 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
342 K USD 1
Bought
35 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.09 K USD 1
9-12 MONTHS
7. News
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 weeks 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 weeks 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 - 2 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 - 2 months ago
Compared to Estimates, S&T Bancorp (STBA) Q4 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for S&T Bancorp (STBA) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
S&T Bancorp (STBA) Q4 Earnings Top Estimates S&T Bancorp (STBA) came out with quarterly earnings of $0.86 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.96 per share a year ago. zacks.com - 2 months ago
S&T Bancorp, Inc. Announces Fourth Quarter and Full Year 2024 Results INDIANA, Pa., Jan. 30, 2025 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced fourth quarter and full year 2024 earnings. prnewswire.com - 2 months ago
S&T Bancorp, Inc. Declares Dividend INDIANA, Pa., Jan. 29, 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 January 29, 2025. prnewswire.com - 2 months ago
S&T BANCORP TO HOST FOURTH QUARTER EARNINGS CONFERENCE CALL AND WEBCAST INDIANA, Pa., Jan. 2, 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 fourth quarter and full year 2024 earnings will be held live via webcast at 1:00 p.m. prnewswire.com - 3 months ago
S&T BANK EARNS DISTINCTION AS 2024 AMERICAN BANKER BEST BANK TO WORK FOR INDIANA, Pa., Nov. 13, 2024 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ, STBA), is proud to be recognized as a 2024 American Banker Best Bank to Work For. prnewswire.com - 5 months ago
16 Upcoming Dividend Increases All stocks have at least five fiscal years of dividend growth history and come from the U.S. Dividend Champions List. They have an average increase of 5.2% and a median increase of 4.2%. There are sixteen increases for next week, up from six last week. seekingalpha.com - 5 months ago
CHRIS MCCOMISH, CEO OF S&T BANK, NAMED 2024 C-SUITE AWARD RECIPIENT BY PITTSBURGH BUSINESS TIMES INDIANA, Pa., Oct. 31, 2024 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ, STBA ), proudly announced today the naming of CEO, Chris McComish, as a 2024 Pittsburgh Business Times C-Suite award winner. prnewswire.com - 5 months ago
8. Profile Summary

S&T Bancorp, Inc. STBA

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.28 B
Dividend Yield 0.88%
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 Ms. Susan A. Nicholson Executive Vice President & Chief Human Resource Officer Mr. Jeffrey Sottile Executive Vice President & Chief Audit Executive Mr. Christopher J. McComish Chief Executive Officer & Director Mr. David G. Antolik President & Director Mr. Mark Kochvar Senior EVice President, Chief Financial Officer & Investor Relation Officer 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