STBA

NEUTRAL

$44.15 Live

S&T Bancorp, Inc. · NASDAQ

Target $44.67 (+1.2%)

$34.01 52W Range $44.91

STBA S&T Bancorp, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

STBA Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$44.15

Analyst Target

$44.67

+1.2% Upside

52W High

$44.91

52W Low

$34.01

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 20, 2026

Market cap

$1.62B

P/E

12.65

ROE

9.4%

Profit margin

34.0%

Debt/Equity

N/A

Dividend yield

3.26%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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

Attractive Price-to-Book ratio of 1.13

Low P/E ratio (12.65) compared to broader financial sector averages

Key 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%)

Low ROE (9.44%) relative to high-growth financial peers

Exposure to regional banking sector volatility and interest rate risks

AI Fair Value Estimate

Based on comprehensive analysis

$48.5

+9.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value play with health warnings

Key drivers: Deep valuation discount, Poor Piotroski health score, Consistent earnings beats, Stagnant growth

Confidence

80%

Value

85/100

Ref P/E, PEG, Graham Number

Positives

P/E of 12.65 is low
Price is below Graham Number
P/B of 1.13 is conservative

Watchpoints

Low growth limits multiple expansion

Future

40/100

Ref Growth rates

Positives

Positive Q/Q revenue growth (11.62%)

Watchpoints

Low YoY revenue growth (2.90%)
Low YoY earnings growth (4.00%)

Past

80/100

Ref Historical trends

Positives

Consistent earnings beats over 25 quarters
Strong 1Y price change (+31.8%)

Watchpoints

Historical volatility in 2020

Health

25/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Stable operating margins

Watchpoints

Piotroski F-Score of 3/9 is in the 'Weak' category

Dividend

70/100

Ref Yield, Payout

Positives

Healthy 3.26% yield
Conservative payout ratio (39.54%)

Watchpoints

No 5-year average yield provided for trend analysis

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$44.15

Analyst Target

$44.67

Upside/Downside

+1.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for STBA and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
STBA S&T Bancorp, Inc. Primary	+62.5%	+71.4%	+31.8%	+28.4%	+11.5%	+0.8%
BSTZ BlackRock Science and Technology Term Trust Peer	+4.5%	+76.4%	+17.1%	+13.7%	-0.8%	-0.1%
LKFN Lakeland Financial Corporation Peer	+1.1%	+12.2%	+20.1%	+1.4%	+7.3%	+4.8%
BFC Bank First Corporation Peer	+124.3%	+126.4%	+38.6%	+17.3%	+7.2%	-1.9%
SBET Sharplink, Inc. Peer	-99.1%	-84.5%	+202.7%	-44.3%	+1.5%	+22.6%

STB

S&T Bancorp, Inc.

Primary

+62.5%

+71.4%

+31.8%

+28.4%

+11.5%

+0.8%

BST

BlackRock Science and Technology Term Trust

Peer

+4.5%

+76.4%

+17.1%

+13.7%

-0.8%

-0.1%

LKF

Lakeland Financial Corporation

Peer

+1.1%

+12.2%

+20.1%

+1.4%

+7.3%

+4.8%

BFC

Bank First Corporation

Peer

+124.3%

+126.4%

+38.6%

+17.3%

+7.2%

-1.9%

SBE

Sharplink, Inc.

Peer

-99.1%

-84.5%

+202.7%

-44.3%

+1.5%

+22.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

12.65

11.61

1.23

1.13

4.1

4.47

N/A

$1.62B

Profitability

Profit margins and return metrics

Profit Margin 34.01%

Operating Margin 43.66%

Gross Margin N/A

ROE 9.44%

ROA 1.38%

Growth

Revenue and earnings growth rates

Revenue Growth +2.9%

Earnings Growth +4.0%

Q/Q Revenue Growth +11.62%

Q/Q Earnings Growth +2.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$5.39

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

32.3%

Total Assets

$9.9B

Liabilities

$8.4B

Equity

$1.5B

Debt/Equity

5.74x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-22

$0.89

+1.7% surprise

2025-10-23

$0.91

+6.0% surprise

2025-07-24

$0.83

+3.0% surprise

Financial Services Sector Comparison

Comparing STBA against 551 companies in the Financial Services sector (102 bullish, 225 neutral, 224 bearish)

P/E Ratio

12.65

This Stock

42.93

Sector Avg

-70.5% (Discount)

Return on Equity (ROE)

9.44%

This Stock

-0.56%

Sector Avg

-1797.8% (Below Avg)

Profit Margin

34.01%

This Stock

49.82%

Sector Avg

-31.7% (Weaker)

Revenue Growth

2.9%

This Stock

40.32%

Sector Avg

-92.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
STBA S&T Bancorp, Inc.	NEUTRAL	$1.62B	12.65	9.4%	34.0%	$44.15
BSTZ BlackRock Science and...	BEARISH	$1.6B	3.64	-%	-%	$22.64	Compare
LKFN Lakeland Financial Corporation	NEUTRAL	$1.59B	15.18	14.3%	40.2%	$60.88	Compare
BFC Bank First Corporation	BEARISH	$1.58B	19.67	11.1%	41.4%	$140.87	Compare
SBET Sharplink, Inc.	BEARISH	$1.58B	-	-60.7%	-%	$7.99	Compare

STBA S&T Bancorp, Inc.

NEUTRAL

Mkt Cap

$1.6B

P/E

12.7

ROE

9.4%

Price

$44.15

Compare with STBA

Compare with STBA

BFC Bank First Corporation

Compare with STBA

Compare with STBA

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-10	LAZZARI MELANIE A	Officer	Option Exercise	510	$22,343
2026-04-01	ANTOLIK DAVID G	President	Stock Award	9,281	-
2026-04-01	DRAHNAK STEPHEN A.	Officer	Option Exercise	5,212	$220,363
2026-04-01	YESHO LADAWN D.	Officer	Option Exercise	5,100	$215,628
2026-04-01	LAZZARI MELANIE A	Officer	Option Exercise	3,728	$157,620
2026-04-01	MCCOMISH CHRISTOPHER J	Chief Executive Officer	Option Exercise	3,432	$145,105
2026-04-01	NICHOLSON SUSAN A	Officer	Stock Award	4,659	-
2026-04-01	MICHIE JAMES ARVO	Officer	Stock Award	5,116	-
2026-04-01	SMYDO RACHEL LYNN	Officer	Stock Award	4,730	-
2026-04-01	KOCHVAR MARK	Chief Financial Officer	Stock Award	8,135	-
2025-10-28	GRUBE JEFFREY D	Director	Purchase	2,500	$91,363

LAZZARI MELANIE A

Officer

Option Exercise

2026-04-10

510 shares · $22,343

ANTOLIK DAVID G

President

Stock Award

2026-04-01

9,281 shares

DRAHNAK STEPHEN A.

Officer

Option Exercise

2026-04-01

5,212 shares · $220,363

YESHO LADAWN D.

Officer

Option Exercise

2026-04-01

5,100 shares · $215,628

LAZZARI MELANIE A

Officer

Option Exercise

2026-04-01

3,728 shares · $157,620

MCCOMISH CHRISTOPHER J

Chief Executive Officer

Option Exercise

2026-04-01

3,432 shares · $145,105

NICHOLSON SUSAN A

Officer

Stock Award

2026-04-01

4,659 shares

MICHIE JAMES ARVO

Officer

Stock Award

2026-04-01

5,116 shares

SMYDO RACHEL LYNN

Officer

Stock Award

2026-04-01

4,730 shares

KOCHVAR MARK

Chief Financial Officer

Stock Award

2026-04-01

8,135 shares

GRUBE JEFFREY D

Director

Buy

2025-10-28

2,500 shares · $91,363

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-07

STBA filed a current report on April 7, 2026, likely to announce its first-quarter financial results.

DEF 14A

2026-03-30

STBA filed a Definitive Proxy Statement (DEF 14A) on March 30, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K

2026-02-27

STBA filed its annual 10-K on February 27, 2026, which includes detailed sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk metrics were not provided in the available excerpts.

8-K

2026-02-11

STBA filed a Current Report on February 11, 2026, likely announcing its annual financial results.

8-K

2026-02-02

8-K

2026-01-28

STBA filed an 8-K on January 28, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2026-01-22

STBA filed an 8-K on January 22, 2026, likely to announce its fourth-quarter or full-year financial results.

10-Q

2025-11-06

STBA filed its quarterly 10-Q report on November 6, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section detailing the company's risk factors.

8-K

2025-11-04

8-K

2025-10-30

STBA filed an 8-K on October 30, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-29

8-K

2025-10-23

8-K

2025-09-24

8-K

2025-08-29

10-Q

2025-08-07

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

6 analysts

DA Davidson

2026-02-25

init

Neutral

Janney Montgomery Scott

2026-01-26

Neutral Buy

Piper Sandler

2025-10-27

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2025-10-24

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning STBA from our newsroom.

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STBA

STBA S&T Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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