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Upturn AI SWOT - About
S&T Bancorp Inc (STBA)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: STBA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.65% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| 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 - |
Upturn AI SWOT
S&T Bancorp Inc
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.stbancorp.com |
Full time employees 1206 | Website https://www.stbancorp.com | ||
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.
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