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STBA vs V

STBA
S&T Bancorp, Inc.
NEUTRAL
Price
$44.15
Market Cap
$1.62B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
STBA
12.65
V
28.35
Forward P/E
STBA
11.61
V
20.79
P/B Ratio
STBA
1.13
V
15.09
P/S Ratio
STBA
4.1
V
14.08
EV/EBITDA
STBA
--
V
20.06

Profitability

Gross Margin
STBA
0.0%
V
97.78%
Operating Margin
STBA
43.66%
V
68.3%
Profit Margin
STBA
34.01%
V
50.23%
ROE
STBA
9.44%
V
53.95%
ROA
STBA
1.38%
V
18.36%

Growth

Revenue Growth
STBA
2.9%
V
14.6%
Earnings Growth
STBA
4.0%
V
17.4%

Financial Health

Debt/Equity
STBA
--
V
0.55
Current Ratio
STBA
--
V
1.11
Quick Ratio
STBA
--
V
0.72

Dividends

Dividend Yield
STBA
3.26%
V
0.89%
Payout Ratio
STBA
39.54%
V
22.91%

AI Verdict

STBA NEUTRAL

STBA presents a classic value trap profile: it is fundamentally undervalued relative to its Graham Number ($55.44) and Intrinsic Value ($45.37), yet it suffers from a weak Piotroski F-Score of 3/9, indicating deteriorating financial health. While the company maintains a consistent track record of earnings beats and a sustainable dividend, the sluggish growth rates and a heavily bearish technical trend (10/100) offset the valuation appeal. The stock is currently trading at a discount, but the underlying health metrics suggest caution.

Strengths
Trading below Graham Number ($55.44) and Intrinsic Value ($45.37)
Strong earnings track record with 3/4 recent beats and consistent historical surprises
Sustainable dividend profile with a 39.54% payout ratio
Risks
Weak Piotroski F-Score (3/9) signaling poor fundamental health
Very bearish technical trend (10/100) despite recent price appreciation
Sluggish year-over-year revenue growth (2.90%) and earnings growth (4.00%)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

STBA vs V: Head-to-Head Comparison

This page compares S&T Bancorp, Inc. (STBA) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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