S&T Bancorp, Inc. (STBA) Key Metrics
STBA valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.72B
- Enterprise value
- $1.78B
- P/E (TTM)
- 13.0 10-yr median 11.9
- Forward P/E
- 13.8
- PEG ratio
- 1.23
- Price / sales
- 4.3 10-yr median 3.4
- Price / book
- 1.0 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 6.0
- Dividend yield
- 3.03% $1.48 a year
- Beta
- 0.84
STBA key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSTBA valuation Price multiples at each fiscal year-end price.
STBA returns How much profit the business earns on the capital it uses.
STBA per-share figures Results divided by the shares outstanding at year-end.
STBA financial health Debt, liquidity and how easily interest is covered.
STBA efficiency & capital use Working capital cycle and where the cash goes.
STBA valuation history
STBA returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
STBA debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
STBA cash returned to shareholders
STBA price vs earnings per share
STBA key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.51B | $1.47B | $1.29B | $1.33B | $1.23B | $970.5M | $1.59B | $1.32B | $1.39B | $1.36B |
| Enterprise value | $674.5M | $490.3M | $591.5M | $560.5M | −$439.6M | $198.4M | $1.03B | $1.77B | $1.25B | $1.30B |
| P/E ratio | 11.3 | 11.2 | 8.9 | 9.8 | 11.2 | 46.1 | 16.2 | 12.6 | 19.0 | 19.1 |
| Price / sales | 2.7 | 2.6 | 2.4 | 3.3 | 3.5 | 2.6 | 4.3 | 3.9 | 4.4 | 4.8 |
| Price / book | 1.0 | 1.1 | 1.0 | 1.1 | 1.0 | 0.8 | 1.3 | 1.4 | 1.6 | 1.6 |
| Price / free cash flow | 11.8 | 8.6 | 7.8 | 5.6 | 5.8 | 20.2 | 12.0 | 10.7 | 12.7 | 14.6 |
| Price / operating cash flow | 11.3 | 8.5 | 7.5 | 5.5 | 5.7 | 18.2 | 11.5 | 10.3 | 12.1 | 14.1 |
| EV / sales | 1.2 | 0.9 | 1.1 | 1.4 | -1.2 | 0.5 | 2.8 | 5.3 | 4.0 | 4.6 |
| EV / EBITDA | 3.9 | 2.8 | 3.2 | 3.1 | — | 6.0 | 8.0 | 13.6 | 10.3 | 13.0 |
| EV / free cash flow | 5.2 | 2.9 | 3.6 | 2.4 | — | 4.1 | 7.7 | 14.3 | 11.5 | 14.0 |
| Earnings yield | 8.9% | 8.9% | 11.2% | 10.2% | 9.0% | 2.2% | 6.2% | 8.0% | 5.3% | 5.2% |
| Free cash flow yield | 8.5% | 11.6% | 12.8% | 17.7% | 17.3% | 4.9% | 8.4% | 9.4% | 7.9% | 6.8% |
| Dividend yield | 3.5% | 3.5% | 3.8% | 3.5% | 3.6% | 4.5% | 2.3% | 2.6% | 2.1% | 2.0% |
| Shareholder yield (dividends + buybacks) | 6.0% | 3.5% | 5.4% | 4.2% | 3.7% | 5.9% | 3.5% | 3.6% | 2.1% | 2.0% |
| Share price at fiscal year-end | $39.35 | $38.22 | $33.42 | $34.18 | $31.52 | $24.84 | $40.29 | $37.84 | $39.81 | $39.04 |
| Per share | ||||||||||
| Revenue per share | $14.77 | $14.67 | $13.85 | $10.22 | $9.06 | $9.73 | $9.43 | $9.64 | $9.07 | $8.09 |
| Earnings per share | $3.49 | $3.41 | $3.75 | $3.47 | $2.83 | $0.54 | $2.48 | $3.01 | $2.09 | $2.04 |
| Operating cash flow per share | $3.47 | $4.50 | $4.44 | $6.16 | $5.53 | $1.37 | $3.50 | $3.66 | $3.28 | $2.77 |
| Free cash flow per share | $3.35 | $4.42 | $4.28 | $6.06 | $5.44 | $1.23 | $3.37 | $3.54 | $3.14 | $2.67 |
| Cash per share | $29.91 | $31.99 | $31.15 | $31.07 | $46.91 | $25.60 | $24.83 | $4.45 | $23.40 | $23.86 |
| Book value per share | $38.03 | $35.83 | $33.20 | $30.35 | $30.89 | $29.55 | $30.13 | $26.76 | $25.37 | $24.12 |
| Tangible book value per share | $28.27 | $26.06 | $23.44 | $20.65 | $21.15 | $19.78 | $20.46 | $18.46 | $16.89 | $15.62 |
| Dividends per share | $1.37 | $1.32 | $1.29 | $1.20 | $1.13 | $1.12 | $0.94 | $0.99 | $0.82 | $0.77 |
| Capex per share | $0.12 | $0.08 | $0.16 | $0.10 | $0.09 | $0.14 | $0.13 | $0.12 | $0.13 | $0.10 |
| Debt per share | $8.08 | $6.50 | $13.03 | $11.25 | $4.13 | $5.83 | $10.52 | $17.28 | $19.60 | $22.09 |
| Shares outstanding | 38.5M | 38.5M | 38.7M | 39.0M | 39.1M | 39.1M | 39.6M | 35.0M | 34.8M | 34.9M |
| Change in shares outstanding | −0.1% | −0.3% | −1.0% | −0.1% | −0.0% | −1.2% | +13.1% | +0.4% | −0.2% | +0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.4% | 9.9% | 11.7% | 11.3% | 9.3% | 1.8% | 9.2% | 11.6% | 8.5% | 8.7% |
| Return on invested capital (ROIC) | 26.3% | 26.8% | 29.1% | — | — | 4.2% | 9.8% | 9.9% | 9.5% | 10.3% |
| Return on assets (ROA) | 1.4% | 1.4% | 1.6% | 1.5% | 1.2% | 0.2% | 1.2% | 1.5% | 1.0% | 1.1% |
| Return on tangible assets | 1.4% | 1.4% | 1.6% | 1.6% | 1.2% | 0.2% | 1.2% | 1.5% | 1.1% | 1.1% |
| Free cash flow margin | 22.7% | 30.2% | 30.9% | 59.3% | 60.0% | 12.6% | 35.7% | 36.7% | 34.7% | 33.0% |
| Income quality (OCF / net income) | 1.00 | 1.32 | 1.19 | 1.77 | 1.96 | 2.54 | 1.41 | 1.22 | 1.57 | 1.36 |
| Financial health | ||||||||||
| Total debt | $310.9M | $250.3M | $503.6M | $439.2M | $161.3M | $227.9M | $416.4M | $604.3M | $683.1M | $771.2M |
| Cash & short-term investments | $1.15B | $1.23B | $1.20B | $1.21B | $1.83B | $1.00B | $982.1M | $155.5M | $815.4M | $833.0M |
| Net debt | −$840.1M | −$982.1M | −$700.4M | −$773.6M | −$1.67B | −$772.1M | −$565.8M | $448.8M | −$132.4M | −$61.8M |
| Debt / equity | 0.21 | 0.18 | 0.39 | 0.37 | 0.13 | 0.20 | 0.35 | 0.65 | 0.77 | 0.92 |
| Debt / assets | 0.03 | 0.03 | 0.05 | 0.05 | 0.02 | 0.03 | 0.05 | 0.08 | 0.10 | 0.11 |
| Net debt / EBITDA | −4.80 | −5.59 | −3.76 | −4.35 | −11.35 | −23.32 | −4.38 | 3.44 | −1.09 | −0.62 |
| Current ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Quick ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.02 | 0.14 | 0.14 |
| Interest coverage | 1.0 | 0.9 | 1.4 | 6.8 | 10.3 | 0.5 | 1.6 | 2.2 | 3.4 | 3.9 |
| Working capital | $986.1M | −$6.70B | −$6.73B | −$6.38B | −$6.25B | −$6.56B | −$6.36B | −$6.01B | −$5.20B | −$5.15B |
| Invested capital | $623.7M | $398.2M | $583.1M | $411.1M | −$464.1M | $382.6M | $626.2M | $1.38B | $751.7M | $780.1M |
| Tangible asset value | $1.09B | $1.00B | $906.0M | $805.9M | $826.1M | $772.6M | $809.5M | $645.7M | $588.7M | $545.4M |
| Net current asset value | −$7.26B | −$7.05B | −$7.06B | −$6.71B | −$6.45B | −$6.81B | −$6.59B | −$6.16B | −$5.36B | −$5.27B |
| Graham number | $54.63 | $52.41 | $52.90 | $48.69 | $44.32 | $18.92 | $41.03 | $42.58 | $34.57 | $33.31 |
| Graham net-net per share | −$188.51 | −$182.88 | −$182.75 | −$171.96 | −$164.92 | $98.55 | −$32.42 | −$176.11 | −$31.04 | −$31.47 |
| Capital allocation | ||||||||||
| Dividends paid | $52.9M | $51.0M | $49.7M | $47.0M | $44.3M | $43.9M | $37.4M | $34.5M | $28.6M | $26.8M |
| Share buybacks (net) | $37.9M | $870,000 | $20.6M | $8.4M | $630,000 | $13.2M | $19.1M | $12.9M | $689,000 | $115,000 |
| Dividend payout ratio | 39.4% | 38.8% | 34.3% | 34.6% | 40.2% | 208.9% | 38.0% | 32.8% | 39.2% | 37.5% |
| Dividends + buybacks / free cash flow | 70.5% | 30.4% | 42.5% | 23.4% | 21.2% | 118.9% | 42.4% | 38.3% | 26.7% | 28.9% |
| Capex / revenue | 0.8% | 0.5% | 1.2% | 1.0% | 1.0% | 1.4% | 1.4% | 1.2% | 1.5% | 1.3% |
| Capex / operating cash flow | 3.6% | 1.7% | 3.6% | 1.6% | 1.7% | 10.1% | 3.7% | 3.3% | 4.1% | 3.7% |
| Capex / depreciation | 0.67 | 0.28 | 0.83 | 0.43 | 0.31 | 0.71 | 0.89 | 0.57 | 1.88 | 0.98 |
| Stock-based compensation / revenue | 0.9% | 0.8% | 0.7% | 0.8% | 0.7% | 0.2% | 0.7% | 0.6% | 1.0% | 0.9% |
| SG&A / revenue | 24.2% | 23.5% | 22.8% | 28.0% | 30.8% | 26.6% | 24.0% | 25.4% | 29.7% | 35.1% |
| Efficiency | ||||||||||
| Days sales outstanding | 0.0 | — | — | — | 7,332.1 | 10,219.8 | 6,922.4 | — | 6,503.0 | 6,810.0 |
| Days of inventory on hand | — | — | — | 89.7 | 96.1 | 6.0 | 13.6 | 9.2 | 4.3 | 4.4 |
| Days payables outstanding | — | — | — | 83,308.6 | 95,818.5 | 15,295.2 | 26,191.4 | 28,786.5 | 40,022.9 | 43,601.5 |
| Cash conversion cycle (days) | — | — | — | — | -88,390.2 | -5,069.4 | -19,255.3 | — | -33,515.6 | -36,787.0 |
| Receivables turnover | 284,256.50 | — | — | — | 0.05 | 0.04 | 0.05 | — | 0.06 | 0.05 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | 4.07 | 3.80 | 60.74 | 26.77 | 39.53 | 85.00 | 82.25 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Average receivables | $2,000 | — | — | — | $7.11B | $10.65B | $7.07B | — | $5.63B | $5.27B |
| Average payables | — | — | — | $7.61B | $7.71B | $7.23B | $6.36B | $5.55B | $5.35B | $5.07B |
| Average inventory | — | — | — | $8.2M | $7.7M | $2.8M | $3.3M | $1.8M | $574,000 | $516,500 |
| Intangibles / total assets | 3.8% | 3.9% | 4.0% | 4.2% | 4.0% | 4.3% | 4.4% | 4.0% | 4.2% | 4.3% |
Computed from STBA's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
STBA valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), S&T Bancorp traded at 11.3 times earnings, against a 10-year median of 11.9. Based on the latest twelve months, the trailing P/E is 13.0 and the forward P/E is 13.8. S&T Bancorp earned a return on equity of 9.4% and a return on invested capital of 26.3% in fiscal 2025. It ended the year with $310.9 million of debt and $1.2 billion in cash and short-term investments, a net cash position of $840.1 million. It returned $90.8 million to shareholders: $52.9 million in dividends and $37.9 million in share buybacks, 70% of free cash flow. The share count rose 10.2% from 34.9M to 38.5M over 9 years.
See the STBA income statement, the STBA chart for price history, or the STBA stock overview for the latest quote and news.
STBA key metrics FAQ
What is S&T Bancorp's P/E ratio?
S&T Bancorp's trailing P/E ratio is 13.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.8. At the end of fiscal 2025 it was 11.3, compared with a 10-year median of 11.9.
What is S&T Bancorp's EV/EBITDA?
S&T Bancorp's enterprise value was 3.9 times EBITDA at the end of fiscal 2025 (enterprise value $674.5 million, EBITDA $175.0 million).
What is S&T Bancorp's return on equity?
S&T Bancorp's return on equity (ROE) was 9.4% in fiscal 2025: net income of $134.2 million on average shareholders' equity of $1.4 billion.
What is S&T Bancorp's ROIC?
S&T Bancorp's return on invested capital was 26.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does S&T Bancorp have?
S&T Bancorp had total debt of $310.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.21 and more cash than debt.
What is S&T Bancorp's dividend yield?
S&T Bancorp's forward dividend yield is 3.03%. S&T Bancorp paid $52.9 million in dividends in fiscal 2025 ($1.37 per share), a payout ratio of 39.4%.
Does S&T Bancorp buy back its shares?
Yes. S&T Bancorp spent $37.9 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.1% over the year, to 38.5M..
What is S&T Bancorp's free cash flow yield?
S&T Bancorp generated $128.8 million of free cash flow in fiscal 2025, a free cash flow yield of 8.5% on its market value at year-end ($1.5 billion).
What is S&T Bancorp's current ratio?
S&T Bancorp's current ratio was 6.98 at the end of fiscal 2025: current assets were 6.98 times current liabilities.