Stock AnalizS&T Bancorp Inc. STBA
Major Banks · data as of November 13, 2026
S&T Bancorp Inc. (STBA) is a financial company listed in the US with a market value of about $1.8B. In the twelve months to September 30, 2026 it had revenue of $420M and net income of $144M, a net margin of 34.3%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 13.0, a price to free cash flow of 10.7, 5-year revenue growth of 3% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 41% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $420M | $402M | $384M | $407M | $374M | $341M | $339M | $299M | $284M | $281M | $258M |
| Net income | $144M | $134M | $131M | $145M | $136M | $110M | $21M | $98M | $105M | $73M | $71M |
| Free cash flow | $169M | $129M | $170M | $166M | $237M | $211M | $46M | $133M | $124M | $110M | $93M |
| EPS (diluted) | $3.94 | $3.49 | $3.41 | $3.74 | $3.46 | $2.81 | $0.53 | $2.82 | $3.01 | $2.09 | $2.05 |
| Net margin | 34.3% | 33.4% | 34.2% | 35.6% | 36.2% | 32.4% | 6.2% | 32.8% | 37.1% | 25.9% | 27.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $54.17, 6% above the current price; targets range from $51.00 to $56.00; the consensus rating is “none”; expected EPS is $4.10 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is S&T Bancorp’s P/E ratio?
About 13.0, based on the last twelve months of diluted earnings per share (forward P/E about 12.3).
Is S&T Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 41% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does S&T Bancorp pay a dividend?
Yes. The dividend yield is about 2.98%, and it has paid dividends for 10 years in our data.
Is S&T Bancorp a good stock to buy?
We do not give buy or sell advice. S&T Bancorp scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.