S&T Bancorp, Inc.

Valuation Analysis

About the Company

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company also manages private investment accounts for individuals and institutions. In addition, it engages in non-banking activities; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

S&T Bancorp, Inc. Stock at a Glance

S&T Bancorp, Inc. (STBA) is currently trading at $47.85 with a market capitalization of $1.7B. The trailing P/E ratio stands at 13.44x, with a forward P/E of 12.51x. The 52-week range spans from $34.01 to $47.92; the current price is 0.1% below the yearly high. Year-over-year revenue growth stands at +4.1%. The net profit margin stands at 34.09%.

💰 Dividend

S&T Bancorp, Inc. pays an annual dividend of $1.48 per share, representing a yield of 3.09%. The payout ratio stands at 39.33%.

📊 Analyst Rating

6 analysts rate S&T Bancorp, Inc. (STBA) on consensus: None. The average price target is $45.67, implying -4.56% from the current price. Analyst price targets range from $44.00 to $48.00.

S&T Bancorp, Inc.: The Investment Case in Detail

S&T Bancorp, Inc. (STBA) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 4.1%, which is below nominal GDP — the business is no longer outgrowing the broader economy.

Valuation in Context

The PEG ratio at 1.23 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The share is trading at 99.5% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 3.09% combined with a payout ratio of 39.33% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (5.66%).

Trading Data

💵 Dividend Info

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