📊 STBA Key Takeaways
Is S&T Bancorp Inc. (STBA) a Good Investment?
S&T Bancorp demonstrates strong operational fundamentals with excellent margins (26% net, 32.5% operating) and robust free cash flow generation ($128.8M), supported by a conservative balance sheet (0.08x debt/equity). However, the concerning disconnect between exceptional revenue growth (+47.5% YoY) and flat net income growth (0.0% YoY) signals margin compression or operational headwinds that require investigation, warranting a cautious stance pending further clarity on earnings drivers.
Why Buy S&T Bancorp Inc. Stock? STBA Key Strengths
- Exceptional operating and net margins (32.5% and 26.0%) indicating strong pricing power and cost control
- Very conservative capital structure with minimal leverage (0.08x debt/equity ratio)
- Strong free cash flow generation ($128.8M) with healthy 24.9% FCF margin, indicating high-quality earnings
STBA Stock Risks: S&T Bancorp Inc. Investment Risks
- Significant revenue-to-earnings disconnect: 47.5% revenue growth but 0% net income growth suggests margin compression, increased operating expenses, or one-time charges
- Low interest coverage ratio of 1.9x indicates limited cushion for unexpected declines in operating income
- Modest ROE of 9.2% and ROA of 1.4% indicate below-average capital efficiency for the banking sector
Key Metrics to Watch
- Net interest margin trends and loan loss provisions relative to revenue growth
- Explanation and sustainability of margin compression between operating and net income
- Interest coverage ratio and debt service capacity trends
S&T Bancorp Inc. (STBA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 24.9% 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 rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are STBA's key strengths?
Claude: Exceptional operating and net margins (32.5% and 26.0%) indicating strong pricing power and cost control. Very conservative capital structure with minimal leverage (0.08x debt/equity ratio).
What are the risks of investing in STBA?
Claude: Significant revenue-to-earnings disconnect: 47.5% revenue growth but 0% net income growth suggests margin compression, increased operating expenses, or one-time charges. Low interest coverage ratio of 1.9x indicates limited cushion for unexpected declines in operating income.
What is STBA's revenue and growth?
S&T Bancorp Inc. reported revenue of $516.5M.
Does STBA pay dividends?
S&T Bancorp Inc. pays dividends, with $52.9M 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 $3.49.
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 rating reflects both perspectives for balanced insights.
Is STBA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, S&T Bancorp Inc. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is STBA stock overvalued or undervalued?
Valuation metrics for STBA: ROE of 9.2% (sector avg: 12%), net margin of 26.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy STBA stock in 2026?
Our dual AI analysis gives S&T Bancorp Inc. a combined HOLD rating 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 $133.6M, with capital expenditures of $4.8M. FCF margin is 24.9%.
How does STBA compare to other Finance stocks?
Vs Finance sector averages: Net margin 26.0% (avg: 25%), ROE 9.2% (avg: 12%), current ratio N/A (avg: 1.2).