S&T Bancorp (STBA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

S&T Bancorp

NasdaqGS•Financial Services•Banks - Regional

$49.86-0.70(-0.01%)Pre-market

Market Cap

$1.79B

P/E

12.7x

P/S

3.1x

P/B

1.3x

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company also manages private investment accounts for individuals and institutions. In addition, it engages in non-banking activities; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

How this company scores

GoodMetricSide Score: 78/100

Strongest: Profitability (23/25); weakest: Growth (16/25).

Profitability23/25

Growth16/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality21/25

Strengths

Strong marginsLow leverageConsistent free cash flowProfit converts from growth

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 7.0x – 12.7x

Currently near its 20-quarter median.

P/S · 3.1x5y range 2.0x – 3.5x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.3x

Price & Volume

Market Cap $1.79B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $573.72M
Q. Revenue: $142.92M
TTM EBITDA: $186.35M
TTM Op. Income: $175.90M
Q. Op. Income: $45.53M
TTM Net Income: $140.64M
Q. Net Income: $36.64M
EPS: $1.03
Shares Out.: $35.72M

$573.72M in TTM revenue grew 2.5% YoY, reaching $142.92M last quarter. TTM EBITDA of $186.35M and TTM operating income of $175.90M show growth is flowing through to the bottom line. TTM net income of $140.64M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.6%
EBITDA Margin: 31.9%
Op. Margin: 31.9%
Net Margin: 25.6%

Op. margin of 31.9% is up 2.9% YoY — cost efficiency is improving. Net margin at 25.6% and gross margin of 73.6% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 3.1x
P/B Ratio: 1.3x

At 12.7x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.94B
Cash: $217.82M
Long-Term Debt: $25.77M
Book Value: $1.40B
D/E Ratio: 0.0
Debt/EBITDA: 0.6

With $9.94B in assets and $25.77M in long-term debt, D/E is 0.0and book value is $1.40B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 48% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $27.81M
TTM Free Cash Flow: $143.30M
FCF Margin: 25.0%
FCF / Net Income: 1.0

TTM FCF of $143.30M on $27.81M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 6% — a weakening trend.