S&T Bancorp Inc (STBA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
S&T Bancorp Inc stock (STBA) is currently trading at $41.17. S&T Bancorp Inc PE ratio is 11.44. S&T Bancorp Inc PS ratio (Price-to-Sales) is 3.87. Analyst consensus price target for STBA is $45.00. WallStSmart rates STBA as Moderate Buy.
- STBA PE ratio analysis and historical PE chart
- STBA PS ratio (Price-to-Sales) history and trend
- STBA intrinsic value — DCF, Graham Number, EPV models
- STBA stock price prediction 2025 2026 2027 2028 2029 2030
- STBA fair value vs current price
- STBA insider transactions and insider buying
- Is STBA undervalued or overvalued?
- S&T Bancorp Inc financial analysis — revenue, earnings, cash flow
- STBA Piotroski F-Score and Altman Z-Score
- STBA analyst price target and Smart Rating
S&T Bancorp Inc
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STBA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · S&T Bancorp Inc (STBA)
STBA is trading near its Graham intrinsic value of $46.07, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
S&T Bancorp Inc (STBA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
S&T Bancorp Inc (STBA) Key Strengths (5)
Keeps $44 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $34 of every $100 in revenue as net profit
74.92% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
S&T Bancorp Inc (STBA) Areas to Watch (5)
Revenue growing slowly at 2.90% annually
Earnings barely growing at 4.00%
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.87x sales
S&T Bancorp Inc (STBA) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 3.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including PEG Ratio (1.23), Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.70%, Profit Margin at 34.00%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (3.87) suggest expensive pricing. Growth concerns include Revenue Growth at 2.90%, EPS Growth at 4.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.44%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.44% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 2.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
STBA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
STBA's Price-to-Sales ratio of 3.87x sits near its historical average of 4.3x (35th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 42% below its historical high of 6.61x set in Jan 2006, and 111% above its historical low of 1.83x in Jun 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for S&T Bancorp Inc (STBA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
S&T Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 395M with 3% growth year-over-year. Profit margins are strong at 34.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 34.0% and operating margin of 43.7% demonstrate strong pricing power and operational efficiency.
Generating 36M in free cash flow and 37M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact S&T Bancorp Inc.
Bottom Line
S&T Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About S&T Bancorp Inc(STBA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
S&T Bancorp, Inc. is the banking holding company for S&T Bank offering retail and commercial banking products and services. The company is headquartered in Indiana, Pennsylvania.