S&T Bancorp, Inc. (STBA) AI Stock Analysis

S&T Bancorp, Inc. oversees S&T Bank, delivering financial solutions to retail and commercial clients across six distinct segments, including Commercial Real Estate, Commercial and Industrial, and Consumer Real Estate. The company provides deposit accounts, consumer and commercial lending, cash management, title insurance, and brokerage and trust services. S&T Bancorp also manages employee benefits accounts, private investments, distributes life and disability income insurance, and reinsures credit policies. The bank operates through a network of 73 branches and 5 loan production offices across Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York.

Revenue grew from $354.0M in FY2021 to $568.5M in FY2025, recording a 5-year revenue CAGR of 8.4%. Annual net income rose from $110.3M in FY2021 to a peak of $144.8M in FY2023, before settling at $134.2M in FY2025 with an operating margin of 29.5%. For the trailing twelve months ended June 30, 2026, revenue stood at $404.7M with EPS of $3.76. In the latest quarter, quarterly revenue grew 6.1% year-over-year, while quarterly earnings grew 22.9%.

As of June 30, 2026, S&T Bancorp held $217.8M in cash and short-term investments against $275.3M in total debt, resulting in net debt of $57.5M. Total assets stood at $9.94B, supported by $1.40B in shareholders' equity, a current ratio of 1.09, and a debt-to-equity ratio of 0.20. In FY2025, operating cash flow was $133.6M, which funded $4.8M in capital expenditures, $52.9M in dividends paid, and $37.9M in share buybacks.

STBA trades at a trailing P/E of 13.0x and a forward P/E of 13.8x, both above the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. The stock's price-to-sales ratio is 4.3x versus the peer median of 3.2x, while its price-to-book ratio is 1.0x. Over the past year, STBA returned 45.7%, outperforming the S&P 500 (SPY) return of 16.8%. Over five years, STBA returned 94.4% compared to 83.0% for the S&P 500.

S&T Bancorp pays an annualized forward dividend of $1.48 per share, representing a 3.03% dividend yield. The dividend payout ratio stands at 38.8%, and payments are distributed on a quarterly frequency. The company has paid dividends for 35 consecutive years, with an annualized 5-year dividend growth rate of 4.3%.

Wall Street analyst coverage consists of 1 Strong Buy rating and 6 Hold ratings. The mean price target is $53.33, implying a 9.2% upside compared to the October 16, 2026 closing price of $48.84. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.94, representing 12.9% EPS growth, on revenue of $422.6M. The company beat EPS estimates in each of the last 4 quarters, with the next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of S&T Bancorp, Inc. (STBA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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