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STBA
Upturn stock ratingUpturn stock rating

S&T Bancorp Inc (STBA)

Upturn stock ratingUpturn stock rating
$38.05
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/14/2025: STBA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

5 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $41

1 Year Target Price $41

Analysts Price Target For last 52 week
$41 Target price
52w Low $30.3
Current$38.05
52w High $44.27

Analysis of Past Performance

Type Stock
Historic Profit -10.61%
Avg. Invested days 30
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.46B USD
Price to earnings Ratio 11.19
1Y Target Price 41
Price to earnings Ratio 11.19
1Y Target Price 41
Volume (30-day avg) 5
Beta 0.91
52 Weeks Range 30.30 - 44.27
Updated Date 08/15/2025
52 Weeks Range 30.30 - 44.27
Updated Date 08/15/2025
Dividends yield (FY) 1.78%
Basic EPS (TTM) 3.4

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-24
When Before Market
Estimate 0.81
Actual 0.83

Profitability

Profit Margin 33.71%
Operating Margin (TTM) 41.84%

Management Effectiveness

Return on Assets (TTM) 1.35%
Return on Equity (TTM) 9.47%

Valuation

Trailing PE 11.19
Forward PE 13.83
Enterprise Value 1511275392
Price to Sales(TTM) 3.76
Enterprise Value 1511275392
Price to Sales(TTM) 3.76
Enterprise Value to Revenue 4.45
Enterprise Value to EBITDA -
Shares Outstanding 38346000
Shares Floating 37840987
Shares Outstanding 38346000
Shares Floating 37840987
Percent Insiders 1.58
Percent Institutions 71.37

ai summary icon Upturn AI SWOT

S&T Bancorp Inc

stock logo

Company Overview

overview logo History and Background

S&T Bancorp Inc. was founded in 1902 in Indiana, Pennsylvania. Initially known as Savings and Trust Company, it has grown through organic expansion and strategic acquisitions to become a leading community bank in Western Pennsylvania, Central Pennsylvania, Northeast Ohio, and Western New York.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of lending and deposit services to businesses, including commercial real estate financing, equipment loans, and working capital lines of credit.
  • Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
  • Wealth Management: Offers investment management, trust services, and financial planning to individuals and institutions.

leadership logo Leadership and Structure

The leadership team typically includes a CEO, CFO, COO, and other executive officers responsible for different business segments. The organizational structure is hierarchical, with regional presidents and department heads reporting to the executive team. As of late 2023, Todd D. Brice is the President and CEO.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans constitute a significant portion of S&T Bancorp's lending portfolio. Competitors include PNC, Huntington, and regional banks. Market share data is not readily available for specific loan products but S&T Bancorp holds a significant market presence in its operating regions.
  • Mortgages: Offers residential mortgages to individuals. Market share is fragmented with competition from national banks like Wells Fargo and Chase, as well as smaller regional players and credit unions.
  • Deposit Accounts: Provides checking, savings, and money market accounts for both individuals and businesses. Competition is fierce with national banks and online banking platforms.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing interest rates, regulatory changes, and increasing competition from fintech companies. Regional banks are facing scrutiny amid concerns about stability and liquidity.

Positioning

S&T Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on relationship banking and local decision-making. Its competitive advantage lies in its personalized service and deep understanding of the local markets it serves.

Total Addressable Market (TAM)

The TAM for banking services in S&T Bancorp's operating region is estimated to be in the billions of dollars. S&T Bancorp is positioned to capture a share of this TAM through its regional focus and strong customer relationships.

Upturn SWOT Analysis

Strengths

  • Strong presence in Western PA and NE Ohio
  • Strong customer relationships
  • Experienced management team
  • Stable deposit base

Weaknesses

  • Limited geographic diversification
  • Reliance on traditional banking model
  • Higher efficiency ratio compared to larger competitors
  • Lack of investment in technology

Opportunities

  • Expansion into new markets within its footprint
  • Increased adoption of digital banking technologies
  • Strategic acquisitions of smaller banks or branches
  • Growth in wealth management services

Threats

  • Rising interest rates
  • Increased competition from larger banks and fintech companies
  • Regulatory changes and compliance costs
  • Economic downturn in its operating regions

Competitors and Market Share

competitor logo Key Competitors

  • PNC
  • Huntington
  • FNB

Competitive Landscape

S&T Bancorp competes primarily with regional and national banks. Its smaller size allows for more personalized service but limits its ability to invest in technology and expand geographically. It has strong knowledge of its local markets which offers it an advantage over larger national banks.

Growth Trajectory and Initiatives

Historical Growth: Growth trajectory to be added here. Requires live data access.

Future Projections: Future projections to be added here. Requires live data access.

Recent Initiatives: Recent initiatives to be added here. Requires live data access.

Summary

S&T Bancorp Inc. is a stable regional bank with a strong community focus. It faces challenges from larger banks and fintech companies, but its local expertise and customer relationships provide a competitive advantage. To thrive, S&T must embrace technology and strategically expand within its existing footprint. Rising interest rates and economic uncertainty pose potential risks.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports
  • Analyst Estimates

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Market share percentages are estimated and may not be precise. Financial data to be fully populated would need live data access.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About S&T Bancorp Inc

Exchange NASDAQ
Headquaters Indiana, PA, United States
IPO Launch date 1992-04-21
CEO & Director Mr. Christopher J. McComish
Sector Financial Services
Industry Banks - Regional
Full time employees 1206
Full time employees 1206

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 business in Pennsylvania and Ohio. The company accepts time and demand deposits; offers commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products; offers title insurance agency services to commercial customers; 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.