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STBA
Upturn stock ratingUpturn stock rating

S&T Bancorp Inc (STBA)

Upturn stock ratingUpturn stock rating
$38.01
Last Close (24-hour delay)
upturn advisory
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
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: STBA (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

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

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Year Target Price $40.75

Year Target Price $40.75

Analyst’s Price TargetsFor last 52 week
$40.75Target price
Low$30.57
Current$38.01
high$44.67

Analysis of Past Performance

Type Stock
Historic Profit -4.65%
Avg. Invested days 31
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 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.46B USD
Price to earnings Ratio 10.95
1Y Target Price 40.8
Price to earnings Ratio 10.95
1Y Target Price 40.8
Volume (30-day avg) -
Beta 0.87
52 Weeks Range 30.57 - 44.67
Updated Date 06/29/2025
52 Weeks Range 30.57 - 44.67
Updated Date 06/29/2025
Dividends yield (FY) 3.58%
Basic EPS (TTM) 3.47

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 34.49%
Operating Margin (TTM) 44.16%

Management Effectiveness

Return on Assets (TTM) 1.39%
Return on Equity (TTM) 9.84%

Valuation

Trailing PE 10.95
Forward PE 13.83
Enterprise Value 1447253888
Price to Sales(TTM) 3.77
Enterprise Value 1447253888
Price to Sales(TTM) 3.77
Enterprise Value to Revenue 4.33
Enterprise Value to EBITDA -
Shares Outstanding 38330300
Shares Floating 37825903
Shares Outstanding 38330300
Shares Floating 37825903
Percent Insiders 1.58
Percent Institutions 72.35

Analyst Ratings

Rating 3
Target Price 40.75
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 5
Sell -
Strong Sell -
Strong Sell -

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 as Savings and Trust Company of Indiana, Pennsylvania. It has grown through organic expansion and strategic acquisitions, evolving into a regional financial institution serving Pennsylvania, Ohio, and New York.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial lending products, deposit services, and cash management solutions to businesses of various sizes.
  • Retail Banking: Provides traditional banking services such as checking and savings accounts, mortgage lending, consumer loans, and credit cards to individual customers.
  • Wealth Management: Offers investment advisory services, trust services, and retirement planning to individuals and institutions.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is a typical regional bank structure with distinct divisions for commercial banking, retail banking, and wealth management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for working capital, equipment financing, and real estate. Market share information for S&T specifically is unavailable publicly but S&T competes with other regional and national banks. Competitors: PNC, Huntington, First Commonwealth.
  • Mortgage Loans: Residential mortgage loans for home purchases and refinances. Competitors: PNC, Citizens, Rocket Mortgage. Market share information for S&T specifically is unavailable publicly but S&T competes with other regional and national banks.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors: PNC, First Commonwealth, Chase. Market share information for S&T specifically is unavailable publicly but S&T competes with other regional and national banks.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a changing interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies.

Positioning

S&T Bancorp Inc. is a regional bank focused on relationship banking and providing personalized service to its customers. Its competitive advantage lies in its strong local presence and customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in S&T's operating region is estimated to be in the billions of dollars. S&T is positioned to capture a share of this market through its established presence and customer-focused approach.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Experienced management team
  • Customer-focused approach
  • Diversified revenue streams

Weaknesses

  • Limited geographic reach compared to larger national banks
  • Reliance on traditional banking models
  • Higher cost structure compared to fintech competitors

Opportunities

  • Expansion into new markets within its region
  • Increased adoption of digital banking solutions
  • Strategic acquisitions of smaller community banks
  • Growth in wealth management business

Threats

  • Increased competition from larger national banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Increased regulatory burden

Competitors and Market Share

competitor logo Key Competitors

  • PNC
  • CFG
  • HBAN

Competitive Landscape

S&T Bancorp Inc. faces strong competition from larger national banks and regional players. Its competitive advantage lies in its local relationships and customer service, but it needs to continue to invest in technology to compete effectively.

Major Acquisitions

Integrity Bancorp, Inc.

  • Year: 2013
  • Acquisition Price (USD millions): 82
  • Strategic Rationale: Expanded S&Tu2019s presence in western PA and eastern OH markets.

Growth Trajectory and Initiatives

Historical Growth: Historical Growth data requires specific and real-time data. Access to a financial data API is required.

Future Projections: Future Projections data requires specific and real-time data. Access to a financial data API is required.

Recent Initiatives: Recent strategic initiatives include investments in digital banking technology and expansion into new markets within its existing footprint.

Summary

S&T Bancorp is a regional bank with strong local presence, providing various commercial and retail banking services. Their customer focused approach has been working well, but they need to be careful to stay competitive in the face of fintech innovation. It has recently made efforts to enter new markets, but it faces competition from many other national and fintech companies. Continued investment in technology and strategic acquisitions may lead to stronger growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Analyst estimates

Disclaimers:

This analysis is for informational purposes only and should not be considered investment advice. Market share is an estimate due to difficulty in obtaining precise figures.

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.