# S&T Bancorp Inc. (STBA) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $51.27, market value $1.8 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 9.6×, 3-yr avg 10.0×). S&T Bancorp Inc. trades at 13.0× 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 12.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 5.27**. A PEG of 5.27 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: 7.9%** (5-yr avg 15.1%). Free cash flow equals 7.9% 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: 7.7%**. The inverse of the P/E: 7.7% 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
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **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: 2.96%** ($1.48 per share, trailing). S&T Bancorp Inc. yields 2.96%, 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.

## Analyst view
- **Analyst consensus: hold** (6 analysts). 6 analysts cover S&T Bancorp Inc.; the consensus is hold, with an average price target of $54.17 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 45.7%** (YTD 34.5%, 3-mo -0.7%). The shares are up 45.7% over twelve months including dividends.
- **From 52-week high: -4.2%** (40.9% above the low). Trading within 5% of 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): 65**. An RSI of 65 is neutral.
- **Beta (1 yr): 0.34** (volatility 21%). Beta of 0.34 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.