Stocks · Financial Services · Banks - Regional
S&T Bancorp, Inc. STBA
$49.64 +1.29% Close, Oct 2, 2026 · NASDAQ · Market cap $1.75B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 13.3× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 218 trading days, with the 50-day average above the 200-day.
- The diluted share count fell 5.3% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth18Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 26%
- EPS growth (TTM, YoY)Bottom 37%
- FCF growth (TTM, YoY)Bottom 42%
- Revenue growth, 3-year CAGRBottom 40%
- Revenue growth accelerationBottom 33%
Quality57Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 50%
- Gross marginTop 37%
- Operating marginTop 31%
- Cash conversion (OCF / net income)Bottom 42%
- Accruals (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Top 37%
- Interest coverTop 49%
Value46Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 42%
- Free-cash-flow yieldTop 47%
- EBITDA / enterprise valueTop 35%
- Sales / enterprise valueBottom 50%
- P/E vs own 5-year history (lower is better)Bottom 7%
Momentum77Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 26%
- 1-year return vs S&P 500Top 18%
- Distance from 52-week highTop 37%
- Trend checklist (0–4)Top 48%
Revisions45Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 41%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 43%
- Upside to consensus price targetBottom 27%
Stability69Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 27%
- Maximum drawdown, 3 yearsTop 46%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Top 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.4% | -0.2% | ↓ |
| EPS growth (YoY) | 2.9% | 9.7% | ↑ |
| Gross margin | 69.4% | 70.0% | ↑ |
| Operating margin | 29.4% | 28.8% | ↓ |
| FCF margin | 24.1% | 26.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.2% | 2.4% | ↓ | Bottom 26% |
| EPS growth (TTM, YoY) | 9.7% | 2.9% | ↑ | Bottom 37% |
| Gross margin | 70.0% | 69.4% | ↑ | Top 37% |
| Operating margin | 28.8% | 29.4% | ↓ | Top 31% |
| Net margin | 25.2% | 23.4% | ↑ | — |
| Free-cash-flow margin | 26.4% | 24.1% | ↑ | — |
| Return on invested capital | 1.3% | — | Bottom 50% | |
| Revenue growth, 3-year CAGR | 12.5% | — | Bottom 40% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.05×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.36×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.05%
- Net buyback yield (TTM)
- 7.64%
- Shareholder yield
- 10.69%
- Share count change, 1 year
- -5.3%
- Share count change, 3-year CAGR
- -1.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.4%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $53.50
- Target vs current price
- +7.8%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 42%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +11.0% | +2.8% | +6.8% | +1.0% | — |
| Apr 23, 2026 | +8.4% | +0.3% | +0.8% | +3.6% | +14.7% |
| Jan 22, 2026 | +0.0% | +2.9% | -0.6% | +6.2% | +5.3% |
| Oct 23, 2025 | +6.1% | +1.7% | +0.7% | +6.2% | +12.6% |
| Jul 24, 2025 | +3.7% | -1.7% | -4.5% | -3.0% | -10.3% |
| Apr 24, 2025 | +17.6% | +0.8% | +0.7% | +2.3% | +7.7% |
| Jan 30, 2025 | +10.3% | +0.9% | +6.9% | +4.6% | -5.3% |
| Oct 17, 2024 | +4.9% | -2.1% | -8.8% | +1.1% | -12.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.02 | $0.92 | +11.0% | $105.2M |
| Apr 23, 2026 | $0.94 | $0.87 | +8.4% | $102.1M |
| Jan 22, 2026 | $0.89 | $0.89 | +0.0% | $105.3M |
| Oct 23, 2025 | $0.91 | $0.86 | +6.1% | $103.0M |
| Jul 24, 2025 | $0.83 | $0.80 | +3.7% | $100.1M |
| Apr 24, 2025 | $0.87 | $0.74 | +17.6% | $93.8M |
| Jan 30, 2025 | $0.86 | $0.78 | +10.3% | $94.3M |
| Oct 17, 2024 | $0.85 | $0.81 | +4.9% | $96.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.3× | 10.9× | 95th | Top 42% |
| P/E (forward) | 12.6× | — | — | — |
| EV / EBITDA | 11.2× | — | — | Top 35% |
| EV / Sales | 3.24× | — | — | Bottom 50% |
| Free-cash-flow yield | 8.44% | — | — | Top 47% |
| Earnings yield | 7.53% | — | — | Top 42% |
P/E over the past five years
Range 7.2× – 13.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.3%
- Earnings per share growth (TTM)
- +9.7%
- Change in P/E multiple
- +30.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 218
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- -1.7%
- Distance from 200-day average
- +9.0%
- RSI (14)
- 49.8
- Relative volume
- 1.19×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.62
- Correlation with S&P 500
- 0.40
- Current drawdown from 1-year high
- -7.0%
- Maximum drawdown, 3 years
- -27.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 17, 2023 | Oct 24, 2023 | -34.8% | 171 days | 181 days (Jul 16, 2024) |
| Jul 26, 2024 | Apr 11, 2025 | -27.9% | 178 days | 289 days (Jun 8, 2026) |
| Mar 12, 2021 | Jul 14, 2022 | -22.9% | 337 days | 71 days (Oct 24, 2022) |
| Nov 15, 2022 | Jan 25, 2023 | -15.2% | 47 days | 17 days (Feb 17, 2023) |
| Jan 19, 2021 | Jan 29, 2021 | -11.3% | 8 days | 7 days (Feb 9, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.75B
- P/E (TTM)
- 13.3
- EPS, diluted (TTM)
- $3.74
- Revenue (TTM)
- $558.9M
- Dividend yield
- 2.94%
- 52-week range
- $34.38 – $53.50
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $354.0M | $399.0M | $535.5M | $565.0M | $568.5M |
| Gross profit | $324.6M | $365.7M | $389.1M | $383.8M | $394.7M |
| Operating income | $135.7M | $168.9M | $178.8M | $164.8M | $167.9M |
| Net income | $110.3M | $135.5M | $144.8M | $131.3M | $134.2M |
| EPS (diluted) | $2.81 | $3.46 | $3.74 | $3.40 | $3.49 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $143.4M | $138.9M | $135.3M | $142.4M | $145.4M | $145.4M | $140.0M | $128.1M |
| Net income | $32.6M | $33.1M | $33.4M | $31.9M | $35.0M | $34.0M | $35.1M | $36.6M |
| EPS (diluted) | $0.85 | $0.86 | $0.87 | $0.83 | $0.91 | $0.89 | $0.94 | $1.00 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $214.9M | $240.4M | $171.7M | $173.4M | $133.6M |
| Capital expenditure | -$3.6M | -$3.9M | -$6.2M | -$3.0M | -$4.8M |
| Free cash flow | $211.2M | $236.6M | $165.5M | $170.4M | $128.8M |
| Dividends paid | -$44.3M | -$47.0M | -$49.7M | -$51.0M | -$52.9M |
| Net share buybacks | -$630,000 | -$8.4M | -$20.6M | -$870,000 | -$37.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $217.8M
- Total assets
- $9.94B
- Total liabilities
- $8.54B
- Total debt
- $275.3M
- Net debt
- $57.5M
- Shareholders’ equity
- $1.40B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 18, 2026 | $0.37 | Aug 27, 2026 |
| May 14, 2026 | $0.37 | May 28, 2026 |
| Feb 12, 2026 | $0.36 | Feb 26, 2026 |
| Nov 13, 2025 | $0.36 | Nov 28, 2025 |
| Aug 14, 2025 | $0.34 | Aug 28, 2025 |
| May 15, 2025 | $0.34 | May 29, 2025 |
| Feb 13, 2025 | $0.34 | Feb 27, 2025 |
| Nov 7, 2024 | $0.34 | Nov 21, 2024 |
Short interest
- Shares sold short
- 2,145,187
- Days to cover
- 10.42
- Change vs previous report
- +6.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 2, 1998
- 2-for-1
- Sep 16, 1994
- 2-for-1
- Jun 15, 1992
- 2-for-1