S&T Bancorp Inc
NASDAQ:STBA

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S&T Bancorp Inc
NASDAQ:STBA
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Price: 43.44 USD 2.16% Market Closed
Market Cap: 1.7B USD
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Intrinsic Value

The intrinsic value of one STBA stock under the Base Case scenario is 41.3 USD. Compared to the current market price of 43.44 USD, S&T Bancorp Inc is Overvalued by 5%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

STBA Intrinsic Value
41.3 USD
Overvaluation 5%
Intrinsic Value
Price
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Base Case
Best Case

Valuation Backtest
S&T Bancorp Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
S&T Bancorp Inc

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Financials
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Balance Sheet Decomposition
S&T Bancorp Inc

Net Loans 7.6B
Investments 1.2B
PP&E 45.9m
Intangibles 376.6m
Other Assets 387.4m
Total Deposits 7.7B
Long Term Debt 113.4m
Other Liabilities 439.9m
Earnings Calls

In Q3 2024, S&T Bancorp reported net income of $33 million, or $0.85 per share, showing strong customer deposit growth exceeding $100 million, which rose over 5% annualized. Although net interest margin slightly declined to 3.82%, net interest income improved by $900,000. The loan pipeline surged by over 50% as market confidence grew. While loans declined by $25 million due to heightened payoffs, the company anticipates low to mid-single-digit loan growth for Q4 and mid-single-digit for 2025. Enhanced asset quality resulted in lower provisions, positioning S&T well for future growth despite a predicted 10 to 12 basis point margin compression.

What is Earnings Call?

Wall St
Price Targets

STBA Price Targets Summary
S&T Bancorp Inc

Wall Street analysts forecast STBA stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for STBA is 41.57 USD with a low forecast of 38.38 USD and a high forecast of 45.15 USD.

Lowest
Price Target
38.38 USD
12% Downside
Average
Price Target
41.57 USD
4% Downside
Highest
Price Target
45.15 USD
4% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
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Shareholder Yield

Current shareholder yield for STBA is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
Lowest
Average
Highest

Ownership

STBA Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

S&T Bancorp Inc Logo
S&T Bancorp Inc

Country

United States of America

Industry

Banking

Market Cap

1.7B USD

Dividend Yield

3.06%

Description

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of financial services and insurance solutions for both business and individual clients. The company is headquartered in Indiana, Pennsylvania and currently employs 1,160 full-time employees. Its portfolio of segments includes commercial real estate (CRE), Commercial and Industrial (C&I), Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. Its CRE loans includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. Its CRE segment offers loans secured by commercial purpose real estate, including both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. Its C&I offers loans made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. Its Business Banking segment offers commercial purpose loans to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process.

Contact

PENNSYLVANIA
Indiana
PO Box 190, 800 Philadelphia St
+17244272347.0
www.stbancorp.com

IPO

1992-04-21

Employees

1 160

Officers

CEO & Director
Mr. Christopher J. McComish
President & Director
Mr. David G. Antolik
Senior EVP & CFO
Mr. Mark Kochvar
Executive VP & Chief Commercial Banking Officer
Mr. Stephen A. Drahnak
Executive VP & Chief Risk Officer
Ms. LaDawn D. Yesho
Executive VP & COO
Mr. Michael Golden
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Executive VP, General Counsel & Corporate Secretary
Ms. Rachel L. Smydo
Senior VP & Chief Compliance Officer
Deidre A. Wilson
Vice President of Marketing
Krista Martini
Executive VP & Chief Human Resource Officer
Ms. Susan A. Nicholson
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See Also

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What is the Intrinsic Value of one STBA stock?

The intrinsic value of one STBA stock under the Base Case scenario is 41.3 USD.

Is STBA stock undervalued or overvalued?

Compared to the current market price of 43.44 USD, S&T Bancorp Inc is Overvalued by 5%.

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