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Upturn AI SWOT - About
STBA 
S&T Bancorp Inc (STBA)
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Upturn Advisory Summary
09/16/2025: STBA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $41
1 Year Target Price $41
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.89% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.50B USD | Price to earnings Ratio 11.48 | 1Y Target Price 41 |
Price to earnings Ratio 11.48 | 1Y Target Price 41 | ||
Volume (30-day avg) 5 | Beta 0.97 | 52 Weeks Range 30.30 - 44.27 | Updated Date 09/16/2025 |
52 Weeks Range 30.30 - 44.27 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.74% | Basic EPS (TTM) 3.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | 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 11.48 | Forward PE 13.83 | Enterprise Value 1530831872 | Price to Sales(TTM) 3.85 |
Enterprise Value 1530831872 | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 4.55 | Enterprise Value to EBITDA - | Shares Outstanding 38346000 | Shares Floating 37837536 |
Shares Outstanding 38346000 | Shares Floating 37837536 | ||
Percent Insiders 1.58 | Percent Institutions 72.77 |
Upturn AI SWOT
S&T Bancorp Inc
Company Overview
History and Background
S&T Bancorp Inc. was founded in 1902 as the Savings and Trust Company of Indiana, Pennsylvania. It has grown through organic expansion and acquisitions to become a regional financial institution serving western and central Pennsylvania, northeast Ohio, and select other markets.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and cash management services to businesses of various sizes. Lending includes commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers deposit accounts, loans (mortgages, auto, personal), and other banking services to individuals and families through a network of branches and online platforms.
- Wealth Management: Provides trust and investment services to individuals, families, and institutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives responsible for different business lines. The organizational structure includes regional presidents and functional heads reporting to the executive management team. Corporate Governance is implemented by the Board of Directors and related committees.
Top Products and Market Share
Key Offerings
- Commercial Loans: A wide variety of commercial loans including term loans, lines of credit and real estate loans. Market share data is not publicly available. Competitors include PNC, FNB, and Huntington.
- SBA Loans: SBA-guaranteed loans provided to help small businesses start or expand their operations. Competitors include PNC, Northwest Bancshares, and Citizens Financial.
- Mortgage Loans: Residential mortgage products for home purchase and refinance. Market share data is not publicly available. Competitors include PNC, Northwest Bancshares, and Citizens Financial.
- Personal Banking: Checking and savings accounts and other personal banking services. Market share data is not publicly available. Competitors include PNC, Huntington, and Northwest Bancshares.
Market Dynamics
Industry Overview
The banking industry is undergoing a period of consolidation, technological disruption, and increasing regulation. Interest rate environments and economic conditions heavily influence performance.
Positioning
S&T Bancorp Inc. is positioned as a regional bank with a focus on relationship banking and community involvement. Competitive advantages include strong local market knowledge and customer service.
Total Addressable Market (TAM)
The TAM for regional banking in S&T Bancorp Inc.'s footprint is estimated at $50 Billion USD. S&T Bancorp Inc. is positioned as a community focused bank with regional expertise.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Customer-focused service
- Solid capital base
- Diverse product and service offerings
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Dependence on interest rate environment
- Exposure to local economic conditions
Opportunities
- Expansion into new markets
- Adoption of digital technologies
- Strategic acquisitions
- Increased focus on wealth management
- Growing demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PNC (PNC)
- FNB (FNB)
- Huntington Bancshares (HBAN)
Competitive Landscape
S&T Bancorp Inc. competes with larger national banks and smaller community banks. Its competitive advantages include local market knowledge, customer service, and a strong regional brand. Its disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Integrity Bancorp, Inc
- Year: 2022
- Acquisition Price (USD millions): 64
- Strategic Rationale: Enhanced market presence in Northeast Ohio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: Future growth projections are based on analyst estimates and company guidance.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion into new markets, and enhancements to customer service.
Summary
S&T Bancorp Inc. is a regional bank with a strong presence in western and central Pennsylvania and northeast Ohio. The company's strengths include customer-focused service and a solid capital base. However, it faces challenges from larger competitors and economic fluctuations. Expansion into new markets and the adoption of digital technologies could drive future growth, but these initiatives need to offset any regulatory and macro environment headwinds.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Earnings releases
- Analyst reports
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data may be estimated or based on available information and may not be precise. Financial data is subject to change. Please consult with a qualified financial advisor before making any investment decisions.
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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