# S&T Bancorp Inc. (STBA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $50.64, market value $1.8 billion.

## Valuation
- **P/E (trailing): 13.5×** (5-yr avg 9.6×, 3-yr avg 10.0×). S&T Bancorp Inc. trades at 13.5× trailing earnings, well above its own five-year average of 9.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 5.41**. A PEG of 5.41 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.0%** (5-yr avg 15.1%). Free cash flow equals 8.0% of the market value, below its five-year average of 15.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.4%**. The inverse of the P/E: 7.4% of the price is earned each year.

## Profitability
- **Return on equity: 9.2%**. 9.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 2.3%** (3-yr 0.3%/yr, 5-yr 45.8%/yr). Earnings per share rose 2.3%.
- **Free-cash-flow growth (3 yr): -18.3%/yr**. Free cash flow has compounded at -18.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $163 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.92%** ($0.72 per share, trailing). S&T Bancorp Inc. yields 2.92%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 39%** (37% of free cash flow). 39% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 4.3%/yr** (1-yr 3.8%). The dividend has grown 4.3% a year over five years.

## Price and momentum
- **Total return (1 yr): 30.1%** (YTD 30.9%, 3-mo 11.1%). The shares are up 30.1% over twelve months including dividends.
- **From 52-week high: -5.3%** (47.3% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 0.47** (volatility 22%). Beta of 0.47 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=STBA · Page: https://foliofundamentals.com/stocks/stba

Not investment advice.