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Upturn AI SWOT - About
STBA 
S&T Bancorp Inc (STBA)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/22/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40.8
1 Year Target Price $40.8
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.74% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.37B USD | Price to earnings Ratio 10.53 | 1Y Target Price 40.8 |
Price to earnings Ratio 10.53 | 1Y Target Price 40.8 | ||
Volume (30-day avg) 5 | Beta 0.92 | 52 Weeks Range 30.30 - 44.27 | Updated Date 10/21/2025 |
52 Weeks Range 30.30 - 44.27 | Updated Date 10/21/2025 | ||
Dividends yield (FY) 3.81% | Basic EPS (TTM) 3.4 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.86 | Actual - |
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 10.53 | Forward PE 13.83 | Enterprise Value 1420778880 | Price to Sales(TTM) 3.53 |
Enterprise Value 1420778880 | Price to Sales(TTM) 3.53 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 38346004 | Shares Floating 37835619 |
Shares Outstanding 38346004 | Shares Floating 37835619 | ||
Percent Insiders 1.59 | Percent Institutions 72.72 |
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 acquisitions, evolving into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, trust, and financial planning services to individuals and institutions.
Leadership and Structure
The company is led by a board of directors and a senior management team. Todd D. Brice serves as President and CEO. The organizational structure is hierarchical, with various departments reporting to senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is fragmented across numerous regional banks. Competitors include PNC, FNB Corp, and Northwest Bancshares.
- Mortgage Loans: Residential mortgage lending. Market share is influenced by local and national players. Competitors include Rocket Mortgage, Wells Fargo, and Chase.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include PNC, FNB Corp, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of fluctuating interest rates, increasing regulatory scrutiny, and technological disruption.
Positioning
S&T Bancorp Inc. is a regional bank focused on community banking with a strong presence in Pennsylvania, Ohio, and New York. Competitive advantages include a long-standing customer base and local market expertise.
Total Addressable Market (TAM)
The total addressable market for banking services in S&T Bancorp's geographic footprint is estimated to be in the billions of dollars. S&T Bancorp has a small single digit share in this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Long-standing customer relationships
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on net interest income
- Lower Brand Recognition
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FNB
- NWBI
Competitive Landscape
S&T Bancorp competes with larger national banks and other regional banks. Its strengths lie in its local market knowledge and customer relationships, while its weaknesses include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Data missing or not available
Future Projections: Data missing or not available
Recent Initiatives: Data missing or not available
Summary
S&T Bancorp is a regional bank with a strong presence in its core markets, supported by long-standing customer relationships. Its smaller size and regional focus limit its growth potential compared to larger competitors. While its conservative lending practices are a strength, increasing competition and economic uncertainty pose challenges. Future growth depends on its ability to expand into new markets and leverage digital banking technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated based on publicly available information.
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 & Chairman 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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