GS
The Goldman Sachs Group, Inc.
GS has the edge over STBA overall, supported by stronger fundamentals and stronger valuation.
STBA
S&T Bancorp, Inc.
STBA has slightly lower modeled downside risk, despite its lower overall score.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
STBA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
STBA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like STBA.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
STBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $34.56 | -32% |
| Fair | 11x | $44.15 | -13% |
| Forward | 12x | $50.81 | — |
| Current | 13x | $50.81 | — |
| Expensive | 14x | $53.27 | +4.9% |
Historical ranges are pointers, not guarantees.
STBA has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
STBA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect STBA's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over STBA on earnings, with more consistent year-over-year improvement.
STBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.17 | +6.1% |
| Q3 2026 | $3.93 | +13% |
| Q2 2026 | $3.75 | +10% |
| Q1 2026 | $3.56 | +2.6% |
| Q4 2025 | $3.49 | +2.3% |
| Q3 2025 | $3.47 | -1.1% |
| Q2 2025 | $3.41 | -3.4% |
| Q1 2025 | $3.47 | -1.7% |
| Q4 2024 | $3.41 | -8.8% |
STBA earned $3.93 per share over the past year, up 13% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over STBA on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
STBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $107.8M | +4.6% |
| Q2 2026 | $105.2M | +5.2% |
| Q1 2026 | $102.1M | +8.9% |
| Q4 2025 | $105.3M | +12% |
| Q3 2025 | $103M | +6.9% |
| Q2 2025 | $100.1M | +3.3% |
| Q1 2025 | $93.8M | -2.7% |
| Q4 2024 | $94.3M | -8.6% |
STBA's revenue has grown year over year for six quarters in a row: $108M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +2.7 points |
| Q2 2026 | 43% | +3.2 points |
| Q1 2026 | 43% | -1.3 points |
| Q4 2025 | 40% | -3.5 points |
| Q3 2025 | 43% | -0.4 points |
| Q2 2025 | 40% | -4.3 points |
| Q1 2025 | 44% | +3.8 points |
| Q4 2024 | 44% | -0.8 points |
STBA has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
STBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +67% |
| Q2 2026 | $27M | -0.5% |
| Q1 2026 | $41.6M | +54% |
| Q4 2025 | $34.9M | -35% |
| Q3 2025 | $39.9M | +49% |
| Q1 2025 | $27M | -41% |
| Q4 2024 | $53.9M | +40% |
| Q3 2024 | $26.8M | -49% |
STBA has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
STBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -451K shares |
| 1 year | -7.9% | -3M shares |
| 3 years | -6.9% | -2.6M shares |
| 5 years | -9.2% | -3.6M shares |
| Available history | +2.4% | +836K shares |
STBA has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $47.6M |
| Q1 2026 | $49.7M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
STBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2020 | -0.5x | Net Cash |
| Q3 2020 | -3.0x | Net Cash |
| Q2 2020 | -1.8x | Net Cash |
| Q1 2020 | 3.6x | Elevated |
| Q4 2019 | 3.1x | Elevated |
STBA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like STBA.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
STBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.2 | Neutral |
| Stochastic | 56.2 | Neutral |
STBA's weekly RSI is 61 (neutral) and its Stochastic is 56 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
STBA PE vs Financial Services Sector
| Metric | STBA | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.7% below |
| PE % | 78 | 63 | 15 pts above |
STBA has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
STBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.9 | 1.9% above |
| 20 week MA | $50.2 | 1.2% above |
| 50 week MA | $45.9 | 11% above |
| 100 week MA | $41.8 | 22% above |
| 200 week MA | $37.5 | 36% above |
STBA has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
STBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.2 | $24.4 | -39% |
| 2021 | $24.4 | $31.3 | +28% |
| 2022 | $31.3 | $34.7 | +11% |
| 2023 | $34.7 | $33.4 | -3.6% |
| 2024 | $33.4 | $38.5 | +15% |
| 2025 | $38.5 | $40.3 | +4.8% |
| 2026 YTD | $40.3 | $50.8 | +26% |
STBA has the edge over GS on returns for 2026, with the stronger performance.