S&T Bancorp, Inc. (STBA) Stock

S&T Bancorp, Inc. (STBA) is a Financials stock trading at $50.22 (as of 2026-08-20), with a market capitalization of $1.81B and a trailing P/E of 13.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

S&T Bancorp, Inc. is the bank holding company for S&T Bank, providing retail and commercial banking products and services including deposits, loans, cash management, brokerage and trust services, and investment account management. It serves customers in Western and Eastern Pennsylvania, Northeast and Central Ohio, and Upstate New York through its banking and loan production offices, with operations across commercial and consumer lending and related services.

Understand S&T Bancorp, Inc.: how it makes money

S&T Bancorp is the bank holding company for S&T Bank, providing retail and commercial banking products (accepting time and demand deposits, making commercial and consumer loans) and earning additional income from cash management, brokerage, and trust services.

The company’s profit engine is a banking balance sheet plus services, taking in time and demand deposits, deploying them into loans, and supplementing results with fee-based offerings like cash management, brokerage, and trust services.

Business quality (Solid): The business model is clear from the description, but the provided data does not include segment revenue figures, so segment-level insight is limited.

Valuation: At 14× earnings, STBA trades 9% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit quality appears to be improving: Non-Performing Assets Decrease is reported at 35.0 percent, alongside Nonperforming Assets (NPAs) of 0.05 USD_B.
  • Funding base remains a key strength: Customer Deposits are reported at 8.0 USD_B, and Customer Deposits Retained Without Repricing is 0.85 USD_B.

Bear case

  • Deposits and funding sources showed some contraction: Deposit Decline is reported at 0.2 USD_B, and there is a Reduction in Wholesale Deposits and Borrowings of 0.2 USD_B.
  • Credit issues are not zero: Nonperforming Assets (NPAs) remain at 0.05 USD_B, even though nonperforming assets decreased.
Valuation — source: SEC EDGAR (first-party)
Price$50.22
Market Cap$1.81B
P/E Ratio13.3
EV / EBITDA8.6
Price / Book1.26
Price / Sales3.49
FCF Yield7.9%
DCF Value (model)$62.36
DCF Upside vs Price24.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$516.49M
Net Margin26.0%
Revenue Growth (YoY)1.2%
EPS Growth (YoY)9.2%
FCF Growth (YoY)54.1%
Valuation vs Sector & Industry
Stock P/E13.3
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-12.2%
vs Industry2.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($224.43M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOChristopher J. McComish
Employees1,206
CountryUS
IPO Date1992-04-21

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • German American Bancorp, Inc. (GABC)
  • Republic Bancorp, Inc. (RBCAA)
  • TriCo Bancshares (TCBK)
  • Triumph Financial, Inc. (TFIN)
  • Byline Bancorp, Inc. (BY)
  • QCR Holdings, Inc. (QCRH)
  • Origin Bancorp, Inc. (OBK)
  • ConnectOne Bancorp, Inc. (CNOB)
STBA earnings history · STBA institutional & insider holders · STBA KPIs & operating metrics · STBA financials · STBA investor presentations & press releases · STBA SEC filings · STBA peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.