0.89%
0.42%
1.05%
-13.52%
15.12%
24.57%
2.10%
AI Spotlight on STBA
Company Description
S&T Bancorp, Inc.operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services.The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer.
The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits.It also manages private investment accounts for individuals and institutions.In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies.
As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York.S&T Bancorp, Inc.was founded in 1902 and is headquartered in Indiana, Pennsylvania.
Market Data
| Last Price | 38.38 |
| Change Percentage | 0.89% |
| Open | 37.91 |
| Previous Close | 38.04 |
| Market Cap ( Millions) | 1468 |
| Volume | 139487 |
| Year High | 45.79 |
| Year Low | 28.83 |
| M A 50 | 40.04 |
| M A 200 | 37.84 |
Financial Ratios
| FCF Yield | 10.55% |
| Dividend Yield | 3.47% |
| ROE | 10.25% |
| Debt / Equity | 24.60% |
| Net Debt / EBIDTA | 61.37% |
| Price To Book | 1.08 |
| Price Earnings Ratio | 10.94 |
| Price To FCF | 9.48 |
| Price To sales | 2.8 |
| EV / EBITDA | 8.78 |
News
- 00:22 - S&T Bancorp, Inc. (STBA) Q4 2024 Earnings Call Transcript
- Jan -30 - Compared to Estimates, S&T Bancorp (STBA) Q4 Earnings: A Look at Key Metrics
- Jan -30 - S&T Bancorp (STBA) Q4 Earnings Top Estimates
- Jan -30 - S&T Bancorp, Inc. Announces Fourth Quarter and Full Year 2024 Results
- Jan -29 - S&T Bancorp, Inc. Declares Dividend
- Jan -02 - S&T BANCORP TO HOST FOURTH QUARTER EARNINGS CONFERENCE CALL AND WEBCAST
- Nov -13 - S&T BANK EARNS DISTINCTION AS 2024 AMERICAN BANKER BEST BANK TO WORK FOR
- Oct -31 - 16 Upcoming Dividend Increases
- Oct -31 - CHRIS MCCOMISH, CEO OF S&T BANK, NAMED 2024 C-SUITE AWARD RECIPIENT BY PITTSBURGH BUSINESS TIMES
- Oct -23 - S&T Bancorp, Inc. Increases Quarterly Cash Dividend
- Oct -17 - S&T Bancorp, Inc. (STBA) Q3 2024 Earnings Call Transcript
- Oct -17 - Regional Banks Report Credit Quality Remained Strong in Q3
- Oct -17 - S&T Bancorp (STBA) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
- Oct -17 - S&T Bancorp (STBA) Surpasses Q3 Earnings Estimates
- Oct -17 - S&T Bancorp Inc. Announces Third Quarter 2024 Results
- Oct -14 - Ahead of S&T Bancorp (STBA) Q3 Earnings: Get Ready With Wall Street Estimates for Key Metrics
- Oct -01 - S&T BANCORP TO HOST THIRD QUARTER EARNINGS CONFERENCE CALL AND WEBCAST
- Sep -24 - S&T BANK DONATES $20,000 TO UPMC CHILDREN'S HOSPITAL OF PITTSBURGH FOR SECOND CONSECUTIVE YEAR
- Sep -11 - S&T BANK NAMED 2024 PITTSBURGH POST-GAZETTE TOP WORKPLACES WINNER
- Aug -28 - 4 Must-Buy Efficient Stocks to Increase Portfolio Returns
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Community Banking
Expected Growth : 1.0 %
What the company do ?
Community Banking from S&T Bancorp, Inc. offers personalized banking services to individuals and small businesses, providing loans, deposit products, and other financial solutions.
Why we expect these perspectives ?
S&T Bancorp's Community Banking segment growth is driven by strategic branch expansion, increased commercial lending, and a focus on customer relationships. Additionally, investments in digital banking platforms and treasury management services have enhanced customer experience, contributing to the 1.0% growth rate.
S&T Bancorp, Inc. Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | S&T Bancorp, Inc. offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products. |
| Business Banking | S&T Bancorp, Inc. provides business banking services, including commercial loans, cash management, and treasury management solutions. |
| Wealth Management | S&T Bancorp, Inc. offers wealth management services, including investment management, trust services, and retirement planning. |
| Mortgage Banking | S&T Bancorp, Inc. provides mortgage banking services, including residential and commercial mortgage lending. |
| Insurance | S&T Bancorp, Inc. offers insurance services, including life insurance, disability insurance, and long-term care insurance. |
| Investment Services | S&T Bancorp, Inc. provides investment services, including brokerage services, investment advice, and portfolio management. |
S&T Bancorp, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for S&T Bancorp, Inc. is moderate due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of concentration in the banking industry and the high switching costs for customers.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the presence of a few large suppliers of technology and services, but the bank has some negotiating power.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of many competitors in the banking industry, leading to a highly competitive market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 28.34% |
| Debt Cost | 7.79% |
| Equity Weight | 71.66% |
| Equity Cost | 7.79% |
| WACC | 7.79% |
| Leverage | 39.55% |
S&T Bancorp, Inc. : Quality Control
S&T Bancorp, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPF | Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It … |
| HOPE | Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company … |
| PEBK | Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various commercial and consumer banking products and services to individuals and small to … |
| NRIM | Northrim BanCorp, Inc. operates as the bank holding company for Northrim Bank that provides commercial banking products and services to businesses and professional individuals. It operates in two segments, Community … |
| FUNC | First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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First United
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Central Pacific Financial
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S&T Bancorp
A-Score
1-Year Total Return ->
4
Northrim Bank
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5
Hope Bancorp
A-Score
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6
