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S&T Bancorp, Inc. (STBA) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

S&T Bancorp, Inc.

STBAMarket cap $1.72BPrice $48.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

S&T Bancorp runs community banking across Pennsylvania, Ohio, and Indiana, offering loans, deposits, and wealth management. With roots dating back over a century, it's stayed independent while larger regional banks kept gobbling up smaller competitors.

In Bastion Portfolios?

52W Return+43%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%3

Earnings Forecast

EPS Growth Y+1+14%7

EPS Growth Y+2-1%3

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin0%4

Net Income Margin35%9

Free Cash Flow Margin35%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE10%4

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)126

P/BV1.29

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.0%7

Momentum

Short term

1 month return-4%6

3 month return+1%7

YTD return+27%8

Mid term

Price vs 52wHigh92%9

1 year return+35%8

Long term

3 year return+99%7

5 year return+92%7

Risk Shield

Price Risk

Beta0.67

Volatility22%9

Free Cash Flow

Free Cash Flow Margin35%9

Free Cash Flow Yield0.0%8

Quality

ROCE11%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

STBAS&T Bancorp

Revenue FY25$395M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+14%7

EPS growth, FY27E-1%3

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr). One year dips: EPS falls 1% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return+1%7

YTD return+27%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+35%8

3-year return+99%7

5-year return+92%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +99% over three years and +92% over five, ahead of 60% of the market.

It's up 35% over the past year, but 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+1%) and so far this year (+27%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on S&T Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

STBAS&T Bancorp

Revenue FY25$395M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+14%7

EPS growth, FY27E-1%3

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 3%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 5%/yr). One year dips: EPS falls 1% in year 2.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG79 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-4%6

3-month return+1%7

YTD return+27%8

MID & LONG-TERM▾SCORE

% of 52-week high92%9

1-year return+35%8

3-year return+99%7

5-year return+92%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +99% over three years and +92% over five, ahead of 60% of the market.

It's up 35% over the past year, but 8% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+1%) and so far this year (+27%).

WATCH

Returns sit at the market level over the past month (-4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on S&T Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community