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S&T Bancorp Inc (STBA)



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Upturn Advisory Summary
08/14/2025: STBA (1-star) is currently NOT-A-BUY. Pass it for now.
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 -10.61% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
S&T Bancorp Inc
Company Overview
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.
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 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
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
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
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.
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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