📊 STBA Key Takeaways
Is S&T Bancorp Inc. (STBA) a Good Investment?
S&T Bancorp exhibits concerning operational efficiency despite 47.5% revenue growth, with an unsustainable interest coverage ratio of 0.5x indicating the company cannot cover interest expenses from operating income. Critically low returns on equity (2.5%) and assets (0.4%), combined with flat net income growth, signal deepening profitability challenges and inefficient capital deployment that pose material solvency risk.
S&T Bancorp Inc. Key Strengths (STBA)
- Strong revenue growth of 47.5% YoY demonstrates market demand and scale expansion
- Healthy balance sheet with low leverage (0.08x debt-to-equity) provides buffer for operational challenges
- Solid free cash flow generation of $41.6M with 32.9% FCF margin provides liquidity cushion
STBA Stock Risks: S&T Bancorp Inc. Investment Risks
- Critical interest coverage ratio of 0.5x indicates inability to service debt from operating earnings—fundamentally unsustainable
- Extremely depressed returns: ROE of 2.5% and ROA of 0.4% show severe capital inefficiency and shareholder value destruction
- Net income flat at 0.0% YoY growth despite 47.5% revenue surge signals margin compression and operational deterioration
Key Metrics to Watch
- Interest coverage ratio trend—must improve above 1.5x to indicate operational viability
- Net income growth and margin trends—critical to identify if profitability decline stabilizes
- Return on equity progression—must show meaningful improvement toward 8-10% range for banking sector health
S&T Bancorp Inc. (STBA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 32.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
STBA Profit Margin, ROE & Profitability Analysis
STBA vs Finance Sector: How S&T Bancorp Inc. Compares
How S&T Bancorp Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is S&T Bancorp Inc. Stock Overvalued? STBA Valuation Analysis 2026
Based on fundamental analysis, S&T Bancorp Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
S&T Bancorp Inc. Balance Sheet: STBA Debt, Cash & Liquidity
STBA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: S&T Bancorp Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.74 reflects profitable operations.
STBA Revenue Growth, EPS Growth & YoY Performance
S&T Bancorp Inc. Dividends, Buybacks & Capital Allocation
STBA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for S&T Bancorp Inc. (CIK: 0000719220)
📋 Recent SEC Filings
❓ Frequently Asked Questions about STBA
What is the AI rating for STBA?
S&T Bancorp Inc. (STBA) has an AI grade of C with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are STBA's key strengths?
Claude: Strong revenue growth of 47.5% YoY demonstrates market demand and scale expansion. Healthy balance sheet with low leverage (0.08x debt-to-equity) provides buffer for operational challenges.
What are the risks of investing in STBA?
Claude: Critical interest coverage ratio of 0.5x indicates inability to service debt from operating earnings—fundamentally unsustainable. Extremely depressed returns: ROE of 2.5% and ROA of 0.4% show severe capital inefficiency and shareholder value destruction.
What is STBA's revenue and growth?
S&T Bancorp Inc. reported revenue of $126.3M.
Does STBA pay dividends?
S&T Bancorp Inc. pays dividends, with $13.4M distributed to shareholders in the trailing twelve months.
Where can I find STBA SEC filings?
Official SEC filings for S&T Bancorp Inc. (CIK: 0000719220) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is STBA's EPS?
S&T Bancorp Inc. has a diluted EPS of $0.94.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is STBA's fundamental grade?
Based on our AI fundamental analysis in May 2026, S&T Bancorp Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is STBA stock overvalued or undervalued?
Valuation metrics for STBA: ROE of 2.5% (sector avg: 12%), net margin of 27.8% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is STBA's AI grade for 2026?
Our dual AI analysis gives S&T Bancorp Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is STBA's free cash flow?
S&T Bancorp Inc.'s operating cash flow is $42.5M, with capital expenditures of $969.0K. FCF margin is 32.9%.
How does STBA compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.8% (avg: 25%), ROE 2.5% (avg: 12%), current ratio N/A (avg: 1.2).