Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
S&T Bancorp Inc (STBA)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/11/2025: STBA (1-star) is a SELL. SELL since 2 days. Profits (-7.66%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 2.29% | Avg. Invested days 33 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.42B USD | Price to earnings Ratio 10.89 | 1Y Target Price 42.5 |
Price to earnings Ratio 10.89 | 1Y Target Price 42.5 | ||
Volume (30-day avg) 172072 | Beta 0.79 | 52 Weeks Range 27.83 - 45.07 | Updated Date 04/1/2025 |
52 Weeks Range 27.83 - 45.07 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.67% | Basic EPS (TTM) 3.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.21% | Operating Margin (TTM) 42.52% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 9.86% |
Valuation
Trailing PE 10.89 | Forward PE 13.83 | Enterprise Value 1479888000 | Price to Sales(TTM) 3.7 |
Enterprise Value 1479888000 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 4.37 | Enterprise Value to EBITDA - | Shares Outstanding 38261000 | Shares Floating 37699738 |
Shares Outstanding 38261000 | Shares Floating 37699738 | ||
Percent Insiders 1.4 | Percent Institutions 73.09 |
Analyst Ratings
Rating 3 | Target Price 42.5 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
S&T Bancorp Inc
Company Overview
History and Background
S&T Bancorp Inc. was founded in 1902 as Savings and Trust Company of Indiana, Pennsylvania. It has grown through organic expansion and strategic acquisitions, evolving into a diversified financial services provider.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate financing, equipment loans, and working capital lines of credit.
- Retail Banking: Provides consumer banking services such as checking and savings accounts, mortgages, home equity loans, and personal loans.
- Wealth Management: Offers investment management, financial planning, trust, and brokerage services to individuals and institutions.
Leadership and Structure
S&T Bancorp Inc. is led by a board of directors and a management team. The organizational structure includes various departments and divisions responsible for different aspects of the company's operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. S&T competes with PNC, FNB, and Northwest Bancshares. Market share data varies by geographic region but generally S&T is a smaller player compared to the larger national banks.
- Mortgages: Residential mortgage loans for home purchase and refinancing. Competitors include national banks like Wells Fargo and Chase, as well as regional players. Market share data varies by geographic region but generally S&T is a smaller player compared to the larger national banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. S&T competes with online banks and larger regional banks. Market share data varies by geographic region but generally S&T is a smaller player compared to the larger national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and competition from fintech companies. Consolidation is also a key trend.
Positioning
S&T Bancorp Inc. is a regional bank focused on serving customers in Pennsylvania, Ohio, and New York. It differentiates itself through relationship banking and local expertise.
Total Addressable Market (TAM)
The TAM for banking services in S&T's geographic footprint is estimated to be in the billions of dollars. S&T is positioned to capture a portion of this market through its branch network and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-focused banking model
- Experienced management team
- Solid capital base
Weaknesses
- Smaller scale compared to national banks
- Limited geographic diversification
- Dependence on traditional banking model
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management business
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FNB
- NWBI
Competitive Landscape
S&T Bancorp Inc. competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local market knowledge and relationship-focused banking model. However, it faces challenges from larger institutions with greater resources and brand recognition.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Placeholder for historical growth discussion.
Future Projections: Placeholder for future projections.
Recent Initiatives: Placeholder for recent strategic initiatives.
Summary
S&T Bancorp Inc. is a regional bank with a solid presence in its core markets. Its focus on relationship banking provides a competitive advantage. However, it faces challenges from larger competitors and the evolving banking landscape. Future success depends on strategic initiatives to expand its digital capabilities and geographic reach.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FNB
F.N.B. Corp
FNB
F.N.B. Corp
KEY
KeyCorp
KEY
KeyCorp
NWBI
Northwest Bancshares Inc
NWBI
Northwest Bancshares Inc
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Research
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About S&T Bancorp Inc
Exchange NASDAQ | Headquaters Indiana, PA, United States | ||
IPO Launch date 1992-04-21 | CEO & Director Mr. Christopher J. McComish | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1206 | Website https://www.stbancorp.com |
Full time employees 1206 | Website https://www.stbancorp.com | ||
S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. The company accepts time and demand deposits; offers commercial and consumer loans; and cash management, brokerage, and trust services, as well as act 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; offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.