STBA
S&T Bancorp, Inc.
STBA's fundamentals are mixed: revenue grew 7.5%, while its operating margin held steady at 43%. At 13x earnings, it's trading above its usual 11x. Analysts expect earnings growth.
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.
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's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
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.
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.
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's operating margin was 45% last quarter, up 2.7 points from the same quarter a year ago.
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's free cash flow was $170M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like STBA.
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 36M diluted shares, down 7.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $47.6M |
| Q1 2026 | $49.7M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
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.
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).
STBA PE vs Financial Services Sector
| Metric | STBA | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.7% below |
| PE % | 78 | 63 | 15 pts above |
STBA is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
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 is in an uptrend: it's above all five of its weekly moving averages, and 36% above its 200-week average.
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 finished higher in four of the last six years. It's up 26% so far in 2026.