10 Year Financial Data of S&T Bancorp Inc (STBA)

18.99 (1y: +12%)

Market Cap	574.19 M	P/E(ttm)	13.00
Enterprise Value	738.35 M	P/B	1.10

STBA- NAS (USA)
S&T Bancorp Inc

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$18.99

3 Severe Warning Signs 2 Medium Warning Signs 1 Good Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	2.9	-1.6	-0.8
EBITDA Growth (%)	-8.4	3.9	-16
Free Cash Flow Growth (%)	4	3.6	-14.6
Book Value Growth (%)	5.9	0.4	3

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	5.27	5.30	5.62	5.93	6.32	6.88	6.67	6.94	6.48	6.45	6.44	1.64	1.61	1.65	1.54	1.64
EBITDA per Share	2.95	3.08	3.25	3.05	3.32	3.40	0.40	2.32	2.44	1.67	1.99	0.21	0.41	0.58	0.46	0.54
Free Cashflow per Share	1.90	2.32	1.95	1.98	2.57	2.73	1.92	3.07	2.55	2.82	2.75	0.54	0.89	1.22	0.17	0.47
Earnings per Share ($)	1.94	2.03	2.18	2.06	2.26	2.28	0.07	1.34	1.41	1.18	1.46	0.12	0.30	0.43	0.32	0.41
Dividends Per Share	1.02	1.07	1.13	1.17	1.21	1.24	0.61	0.60	0.60	0.60	0.60	0.15	0.15	0.15	0.15	0.15
Book Value per Share	12.47	13.04	13.19	13.10	13.59	17.01	20.00	20.81	17.53	18.53	18.39	17.81	17.72	18.20	18.10	18.39
Month End Stock Price	29.80	37.69	36.82	34.67	27.64	35.50	17.01	22.59	19.55	18.07	18.54	21.69	18.47	17.61	18.07	18.54
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	15.60	15.60	16.50	15.70	16.60	13.40	1.40	7.50	9.60	6.40	9.20	2.80	6.80	9.60	7.20	9.20
Return on Assets %	1.80	1.80	1.80	1.60	1.60	1.40	0.20	1.10	1.10	0.80	1.20	0.40	0.80	1.20	0.80	1.20
Return on Capital - Joel Greenblatt %	--	--	67.10	244	182	29.80	17.60	--	--	--	--	--	--	--	--	--
Debt to Equity	0.35	0.25	0.66	0.74	0.91	1.29	0.41	0.21	0.40	0.37	0.30	0.39	0.39	0.29	0.37	0.30

Operating Margin %	51.70	54.50	55.00	48.80	49.50	46.70	2.20	30.00	34.10	22.20	30.00	9.30	21.50	31.40	26.00	30.00
Net Margin %	36.80	38.30	38.80	34.70	35.80	33.20	4.30	22.50	26.10	18.30	25.40	7.50	18.60	25.90	20.80	25.40

Debt to Revenue	0.83	0.61	1.56	1.64	1.95	3.19	1.23	0.62	1.09	1.07	3.39	4.25	4.33	3.22	4.36	3.39
Interest Exp. to Revenue %	74.25	75.91	74.98	73.69	74.14	79.35	79.10	75.55	75.71	72.26	69.46	71.83	72.96	69.62	74.78	69.46

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.05	0.04	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	-12.40	-17.00	-8.50	-4.10	-3.10	--	-14.30	-5.40	-0.70	--	--
Dividend Payout Ratio	0.53	0.53	0.52	0.57	0.54	0.54	2.12	0.38	0.36	0.51	0.36	1.22	0.50	0.35	0.47	0.36
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	104	108	113	113	116	144	146	146	137	135	136	33.32	33.82	33.80	34.29	33.67
Non Interest Income	36.20	34.20	37.57	40.39	40.61	37.45	38.58	47.21	44.06	51.91	53.65	13.07	12.53	14.75	11.57	14.81
Revenue	141	142	150	154	157	181	185	193	181	187	189	46.39	46.35	48.54	45.86	48.48

Selling, General, &Admin. Expense	33.57	35.24	37.04	40.08	43.10	51.79	63.28	64.73	64.52	76.10	75.24	21.06	18.21	18.43	18.40	20.20
Credit Losses Provision	7.30	4.40	5.00	9.38	5.81	12.88	72.35	29.51	15.61	22.82	15.85	9.27	7.02	2.31	4.22	2.31
Other Expenses	21.12	19.92	21.41	24.99	25.78	27.00	37.80	34.31	33.07	39.76	39.38	10.21	9.18	10.75	9.62	9.83
Earnings Before DDA	78.61	82.39	86.73	79.06	82.36	89.74	11.13	64.50	68.21	48.46	58.76	5.84	11.94	17.06	13.62	16.14

Depreciation, Depletion and Amortization	5.97	5.03	4.20	4.21	4.58	5.02	7.04	6.59	6.32	7.00	7.08	1.51	1.95	1.85	1.69	1.59

Operating Income	72.64	77.36	82.53	74.85	77.77	84.72	4.08	57.91	61.89	41.46	51.68	4.34	9.98	15.22	11.93	14.55
Net Income	51.78	54.36	58.24	53.34	56.14	60.20	7.95	43.48	47.26	34.20	43.05	3.48	8.60	12.60	9.53	12.33

Preferred dividends	--	--	--	--	--	--	5.91	6.20	7.61	--	--	--	--	--	--	--
Earnings per Share ($)	1.94	2.03	2.18	2.06	2.26	2.28	0.07	1.34	1.41	1.18	1.46	0.12	0.30	0.43	0.32	0.41
Total Shares Outstanding	26.69	26.78	26.72	25.89	24.84	26.38	27.66	27.81	27.99	29.01	29.62	28.32	28.81	29.36	29.69	29.62
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	52.36	47.33	56.19	59.98	74.88	69.78	69.15	108	271	338	261	387	403	347	338	261
Net Loan	2,069	2,253	2,455	2,633	2,763	3,526	3,345	3,313	3,084	3,323	3,339	3,154	3,151	3,236	3,323	3,339
Securities & Investments	611	518	495	443	373	476	355	288	358	453	469	364	369	415	453	469
Property, Plant and Equipment	23.04	25.49	29.12	35.70	37.63	45.30	40.99	39.95	37.76	38.68	37.98	39.98	39.61	39.27	38.68	37.98
Intangible Assets	53.48	53.20	54.55	54.94	52.55	175	175	173	171	197	181	178	177	182	197	181
Other Assets	91.17	91.75	106	112	121	146	186	193	199	177	192	209	207	203	177	192
Total Assets	2,900	2,989	3,195	3,339	3,421	4,438	4,170	4,114	4,120	4,527	4,480	4,331	4,347	4,422	4,527	4,480

Total Deposits	1,962	2,176	2,419	2,565	2,622	3,228	3,305	3,318	3,336	3,638	3,639	3,522	3,518	3,594	3,638	3,639
Current Portion of Long-Term Debt	--	--	150	55.00	80.00	308	51.30	--	75.00	75.00	50.00	75.00	75.00	25.00	75.00	50.00
Long-Term Debt	117	86.33	83.78	197	226	271	177	120	122	125	114	122	126	131	125	114
Other liabilities	488	377	190	182	156	182	84.80	98.17	96.12	151	133	107	118	137	151	133
Total Liabilities	2,568	2,640	2,843	2,999	3,084	3,990	3,617	3,536	3,629	3,989	3,935	3,827	3,837	3,888	3,989	3,935

Common Stock	74.29	74.29	74.29	74.29	74.29	74.29	74.29	74.29	74.29	77.99	77.99	75.97	76.01	77.99	77.99	77.99
Preferred Stock	--	--	--	--	--	--	105	106	--	--	--	--	--	--	--	--
Retained Earnings	272	298	326	349	376	403	383	402	421	436	444	419	423	431	436	444
Additional Paid-In Capital	22.39	24.08	26.12	26.70	27.50	43.33	51.16	51.57	52.64	77.46	77.54	65.12	65.81	77.23	77.46	77.54
Treasury Stock	-62.84	-67.80	-83.31	-115	-143	-57.54	-54.40	-48.73	-43.76	-40.49	-40.69	-41.84	-40.58	-40.45	-40.49	-40.69
Total Equity	333	349	352	339	338	449	553	579	491	537	545	504	511	534	537	545
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	51.78	54.36	58.24	53.34	56.14	60.20	7.95	43.48	47.26	34.20	43.05	3.48	8.60	12.60	9.53	12.33
Depreciation, Depletion and Amortization	5.97	5.03	4.20	4.21	4.58	5.02	7.04	6.59	6.32	7.00	7.08	1.51	1.95	1.85	1.69	1.59
Cash Flow from Others	-6.91	2.85	-10.45	-6.31	3.11	10.78	39.57	38.92	20.32	42.69	31.99	11.23	15.64	21.65	-5.83	0.53
Cash Flow from Operations	50.83	62.24	51.99	51.24	63.84	76.01	54.57	88.98	73.90	83.89	82.12	16.22	26.19	36.09	5.39	14.45

Investment for Property, Plant & Equipement	--	--	--	--	--	-3.94	-1.58	-3.47	-2.53	-2.18	-1.91	-0.92	-0.64	-0.22	-0.40	-0.65
Cash Flow from Acquisitions	--	--	--	--	--	-67.74	--	--	--	18.64	23.39	--	--	18.64	--	4.75
Cash Flow from Investing	-75.91	-108	-203	-145	-69.07	-216	209	67.65	132	-8.32	-181	120	-10.88	-6.98	-111	-52.70

Net Issuance of Stock	-0.10	-5.62	-15.27	-32.51	-28.28	7.48	1.35	3.69	1.88	1.00	0.55	0.45	0.47	0.09	-0.00	--
Net Issuance of Preferred Stock	--	--	--	--	--	--	109	--	-109	--	--	--	--	--	--	--
Net Issuance of Debt	17.87	-139	-38.10	13.36	21.32	216	-352	-108	77.51	-10.78	-38.90	-7.45	3.79	-50.56	43.43	-35.57
Cash Flow for Dividends	-26.73	-28.10	-29.34	-30.05	-29.79	-32.30	-29.94	-22.12	-21.90	-17.36	-17.60	-4.22	-4.34	-4.34	-4.46	-4.46
Other Financing	36.13	214	243	147	56.88	-56.18	7.39	8.61	7.87	18.75	29.70	-9.26	1.37	-30.47	57.12	1.68
Cash Flow from Financing	27.18	41.05	160	97.51	20.12	135	-264	-118	-43.31	-8.38	-26.25	-20.48	1.29	-85.28	96.09	-38.34

Net Change in Cash	2.10	-5.03	8.86	3.79	14.90	-5.10	-0.63	39.00	162	67.19	-126	116	16.60	-56.17	-9.37	-76.59

Free Cash Flow	50.83	62.24	51.99	51.24	63.84	72.07	52.99	85.52	71.37	81.71	80.21	15.30	25.55	35.87	4.99	13.80
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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STBA Quarterly/Annuals Reports

STBA: 10-Q - S&T BANCORP INC (0000719220) (Filer): (10-Q) - 2012-11-01
STBA: 10-Q - S&T BANCORP INC (0000719220) (Filer): (10-Q) - 2012-08-02
STBA: 10-Q - S&T BANCORP INC (0000719220) (Filer): (10-Q) - 2012-05-10
STBA: 10-Q - S&T BANCORP INC (0000719220) (Filer): (10-Q) - 2011-11-04
STBA: 10-Q - S&T BANCORP INC (0000719220) (Filer): (10-Q) - 2011-08-04

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