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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.19
STBA's Cash-to-Debt is ranked lower than
89% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. STBA: 0.19 )
Ranked among companies with meaningful Cash-to-Debt only.
STBA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.24 Max: 1.69
Current: 0.19
0.11
1.69
Equity-to-Asset 0.12
STBA's Equity-to-Asset is ranked higher than
68% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STBA: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
STBA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.14
Current: 0.12
0.1
0.14
Interest Coverage 3.94
STBA's Interest Coverage is ranked higher than
75% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. STBA: 3.94 )
Ranked among companies with meaningful Interest Coverage only.
STBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.08  Med: 2.1 Max: 6.04
Current: 3.94
0.08
6.04
Piotroski F-Score: 4
Beneish M-Score: -2.29
WACC vs ROIC
5.59%
5.47%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 37.49
STBA's Operating Margin % is ranked higher than
65% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. STBA: 37.49 )
Ranked among companies with meaningful Operating Margin % only.
STBA' s Operating Margin % Range Over the Past 10 Years
Min: 2.21  Med: 35.81 Max: 49.52
Current: 37.49
2.21
49.52
Net Margin % 27.68
STBA's Net Margin % is ranked higher than
66% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. STBA: 27.68 )
Ranked among companies with meaningful Net Margin % only.
STBA' s Net Margin % Range Over the Past 10 Years
Min: 4.31  Med: 27.09 Max: 35.75
Current: 27.68
4.31
35.75
ROE % 8.67
STBA's ROE % is ranked higher than
51% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. STBA: 8.67 )
Ranked among companies with meaningful ROE % only.
STBA' s ROE % Range Over the Past 10 Years
Min: 0.41  Med: 8.92 Max: 16.6
Current: 8.67
0.41
16.6
ROA % 1.08
STBA's ROA % is ranked higher than
64% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. STBA: 1.08 )
Ranked among companies with meaningful ROA % only.
STBA' s ROA % Range Over the Past 10 Years
Min: 0.18  Med: 1.14 Max: 1.66
Current: 1.08
0.18
1.66
3-Year Revenue Growth Rate 4.80
STBA's 3-Year Revenue Growth Rate is ranked higher than
54% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. STBA: 4.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
STBA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.6  Med: 4 Max: 8.5
Current: 4.8
-2.6
8.5
3-Year EBITDA Growth Rate 5.40
STBA's 3-Year EBITDA Growth Rate is ranked higher than
51% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. STBA: 5.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
STBA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -49.1  Med: 5.4 Max: 60.6
Current: 5.4
-49.1
60.6
3-Year EPS without NRI Growth Rate 6.40
STBA's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. STBA: 6.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
STBA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -67.6  Med: 6.2 Max: 156.4
Current: 6.4
-67.6
156.4
GuruFocus has detected 5 Warning Signs with S&T Bancorp Inc $STBA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» STBA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

STBA Guru Trades in Q1 2016

Jim Simons 318,686 sh (+104.55%)
Jeremy Grantham Sold Out
» More
Q2 2016

STBA Guru Trades in Q2 2016

Jim Simons 240,800 sh (-24.44%)
» More
Q3 2016

STBA Guru Trades in Q3 2016

Jim Simons 187,100 sh (-22.30%)
» More
Q4 2016

STBA Guru Trades in Q4 2016

Jim Simons 109,100 sh (-41.69%)
» More
» Details

Insider Trades

Latest Guru Trades with STBA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BNCL, NAS:CSFL, NAS:HTLF, NYSE:FCF, NAS:SRCE, AMEX:TMP, NAS:BUSE, NYSE:FBP, NAS:BRKL, NAS:LKFN, NAS:BPFH, NAS:PPBI, NAS:WSFS, NAS:HAFC, NAS:WABC, NAS:EFSC, NAS:BANF, NAS:SASR, NAS:CFNL, NAS:SYBT » details
S&T Bancorp Inc provides banking products and services. The Company's business segments are Community Banking, Wealth Management and Insurance. Its products and services include commercial banking, cash management, trust & brokerage and insurance.

S&T Bancorp Inc was incorporated on March 17, 1983 under the laws of the Commonwealth of Pennsylvania. Its a bank holding company. The Company has three wholly owned subsidiaries, S&T Bank, 9th Street Holdings, Inc. and STBA Capital Trust I. The Company owns a one-half interest in Commonwealth Trust Credit Life Insurance Company, or CTCLIC. S&T Bank is a service bank and its deposits are insured by the Federal Deposit Insurance Corporation, or FDIC. It has three wholly owned operating subsidiaries: S&T Insurance Group, LLC, S&T Bancholdings, Inc. and Stewart Capital Advisors, LLC. S&T Insurance Group, LLC, through its subsidiaries, offers a variety of insurance products. S&T Bancholdings, Inc. is an investment company. Stewart Capital Advisors, LLC, is a registered investment advisor that manages private investment accounts for individuals and institutions and advises the Stewart Capital Mid Cap Fund. The Company operates three reportable operating segments including Community Banking, Wealth Management and Insurance. Its Community Banking segment offers services, which include accepting time and demand deposits, originating commercial and consumer loans, and providing letters of credit and credit card services. The Wealth Management segment offers discount brokerage services, services as executor and trustee under wills and deeds, guardian and custodian of employee benefits and other trust and brokerage services, as well as a registered investment advisor that manages private investment accounts for individuals and institutions. The Insurance segment includes a full-service insurance agency offering commercial property and casualty insurance, group life and health coverage, employee benefit solutions and personal insurance lines. S&T Bank competes with other local, regional and national financial service providers, such as other financial holding companies, commercial banks, savings associations, credit unions, finance companies and brokerage and insurance firms. The Company competes with other local, regional and national financial services providers, such as other financial holding companies, commercial banks, savings associations, credit unions, finance companies and brokerage and insurance firms, including competitors that provide their products and services online. The Company is a bank holding company subject to regulation under the BHCA and the examination and reporting requirements of the Federal Reserve Board.

Ratios

vs
industry
vs
history
PE Ratio 17.95
STBA's PE Ratio is ranked lower than
65% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. STBA: 17.95 )
Ranked among companies with meaningful PE Ratio only.
STBA' s PE Ratio Range Over the Past 10 Years
Min: 9.35  Med: 14.95 Max: 272
Current: 17.95
9.35
272
Forward PE Ratio 17.06
STBA's Forward PE Ratio is ranked lower than
57% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. STBA: 17.06 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.95
STBA's PE Ratio without NRI is ranked lower than
64% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. STBA: 17.95 )
Ranked among companies with meaningful PE Ratio without NRI only.
STBA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.35  Med: 14.95 Max: 272
Current: 17.95
9.35
272
Price-to-Owner-Earnings 17.75
STBA's Price-to-Owner-Earnings is ranked lower than
60% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. STBA: 17.75 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
STBA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.68  Med: 15 Max: 309.61
Current: 17.75
6.68
309.61
PB Ratio 1.54
STBA's PB Ratio is ranked lower than
68% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. STBA: 1.54 )
Ranked among companies with meaningful PB Ratio only.
STBA' s PB Ratio Range Over the Past 10 Years
Min: 0.77  Med: 1.28 Max: 2.75
Current: 1.54
0.77
2.75
PS Ratio 4.97
STBA's PS Ratio is ranked lower than
76% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. STBA: 4.97 )
Ranked among companies with meaningful PS Ratio only.
STBA' s PS Ratio Range Over the Past 10 Years
Min: 1.7  Med: 3.74 Max: 6.46
Current: 4.97
1.7
6.46
Price-to-Free-Cash-Flow 18.39
STBA's Price-to-Free-Cash-Flow is ranked lower than
61% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. STBA: 18.39 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
STBA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.19  Med: 10.26 Max: 22.52
Current: 18.39
4.19
22.52
Price-to-Operating-Cash-Flow 17.68
STBA's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. STBA: 17.68 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
STBA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.12  Med: 9.85 Max: 18.75
Current: 17.68
4.12
18.75
EV-to-EBIT 19.30
STBA's EV-to-EBIT is ranked lower than
71% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. STBA: 19.30 )
Ranked among companies with meaningful EV-to-EBIT only.
STBA' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 13.7 Max: 193.7
Current: 19.3
5
193.7
EV-to-EBITDA 18.75
STBA's EV-to-EBITDA is ranked lower than
74% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. STBA: 18.75 )
Ranked among companies with meaningful EV-to-EBITDA only.
STBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.5  Med: 13 Max: 71.1
Current: 18.75
4.5
71.1
PEG Ratio 2.74
STBA's PEG Ratio is ranked lower than
71% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. STBA: 2.74 )
Ranked among companies with meaningful PEG Ratio only.
STBA' s PEG Ratio Range Over the Past 10 Years
Min: 0.66  Med: 3.12 Max: 21.31
Current: 2.74
0.66
21.31
Shiller PE Ratio 21.40
STBA's Shiller PE Ratio is ranked higher than
50% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. STBA: 21.40 )
Ranked among companies with meaningful Shiller PE Ratio only.
STBA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.77  Med: 12.87 Max: 22.7
Current: 21.4
5.77
22.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.12
STBA's Dividend Yield % is ranked lower than
62% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. STBA: 2.12 )
Ranked among companies with meaningful Dividend Yield % only.
STBA' s Dividend Yield % Range Over the Past 10 Years
Min: 1.76  Med: 3.15 Max: 9.04
Current: 2.12
1.76
9.04
Dividend Payout Ratio 0.37
STBA's Dividend Payout Ratio is ranked lower than
56% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. STBA: 0.37 )
Ranked among companies with meaningful Dividend Payout Ratio only.
STBA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.44 Max: 8.71
Current: 0.37
0.35
8.71
3-Year Dividend Growth Rate 8.10
STBA's 3-Year Dividend Growth Rate is ranked higher than
51% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. STBA: 8.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
STBA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -21.5  Med: 4.7 Max: 14.8
Current: 8.1
-21.5
14.8
Forward Dividend Yield % 2.17
STBA's Forward Dividend Yield % is ranked lower than
64% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. STBA: 2.17 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.81
STBA's 5-Year Yield-on-Cost % is ranked lower than
59% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. STBA: 2.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
STBA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.32  Med: 4.16 Max: 11.93
Current: 2.81
2.32
11.93
3-Year Average Share Buyback Ratio -5.50
STBA's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. STBA: -5.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
STBA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.5  Med: -0.6 Max: 2.6
Current: -5.5
-5.5
2.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.34
STBA's Price-to-Tangible-Book is ranked lower than
84% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. STBA: 2.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
STBA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.51  Med: 2.38 Max: 3.58
Current: 2.34
1.51
3.58
Price-to-Intrinsic-Value-Projected-FCF 0.90
STBA's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. STBA: 0.90 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
STBA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.48  Med: 0.94 Max: 1.34
Current: 0.9
0.48
1.34
Price-to-Median-PS-Value 1.33
STBA's Price-to-Median-PS-Value is ranked lower than
67% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. STBA: 1.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
STBA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.68  Med: 1.41 Max: 1.93
Current: 1.33
0.68
1.93
Price-to-Peter-Lynch-Fair-Value 2.23
STBA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
79% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. STBA: 2.23 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
STBA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.86  Med: 1.9 Max: 3.18
Current: 2.23
0.86
3.18
Price-to-Graham-Number 1.37
STBA's Price-to-Graham-Number is ranked lower than
77% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. STBA: 1.37 )
Ranked among companies with meaningful Price-to-Graham-Number only.
STBA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.01  Med: 1.31 Max: 4.32
Current: 1.37
1.01
4.32
Earnings Yield (Greenblatt) % 5.27
STBA's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. STBA: 5.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
STBA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 7.3 Max: 19.9
Current: 5.27
0.5
19.9
Forward Rate of Return (Yacktman) % 14.36
STBA's Forward Rate of Return (Yacktman) % is ranked higher than
60% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. STBA: 14.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
STBA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -13.8  Med: 9.6 Max: 31.4
Current: 14.36
-13.8
31.4

More Statistics

Revenue (TTM) (Mil) $257.9
EPS (TTM) $ 2.05
Beta0.59
Short Percentage of Float3.50%
52-Week Range $23.06 - 39.84
Shares Outstanding (Mil)34.91

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.16 2.28
EPS without NRI ($) 2.16 2.28
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for STBA

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight Oct 31 2016 
S&T Bancorp Inc. Reports Operating Results (10-K) Mar 16 2011 
S&T Bancorp Inc. (STBA) EXEC VICE PRESIDENT & CFO Mark Kochvar sells 10,000 Shares Dec 15 2010 
S&T Bancorp Inc. Reports Operating Results (10-Q) Aug 05 2010 
S&T Bancorp Inc. Reports Operating Results (10-Q) May 06 2010 
S&T Bancorp Inc. Reports Operating Results (10-Q) Aug 06 2009 
Weekly Top Insider Buys: Halliburton Company, Regions Financial Corp., General American Investors Co Jul 24 2009 
S&T Bancorp Inc. Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
S&T BANCORP INC Files SEC form 10-K, Annual Report Feb 24 2017
S&T BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 08 2017
Marking The Best Year In Its History, S&T Bank Promotes Seven To Begin 2017 Feb 06 2017
ETFs with exposure to S&T Bancorp, Inc. : February 2, 2017 Feb 02 2017
S&T Bancorp, Inc. :STBA-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
S&T Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : STBA-US : January 31,... Jan 31 2017
S&T Bancorp, Inc. :STBA-US: Earnings Analysis: Q4, 2016 By the Numbers : January 30, 2017 Jan 30 2017
S&T Bank Introduces My Rewards Program For Online Banking Customers Jan 30 2017
Edited Transcript of STBA earnings conference call or presentation 26-Jan-17 6:00pm GMT Jan 26 2017
S&T BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Jan 26 2017
S&T Bancorp posts 4Q profit Jan 26 2017
S&T Bancorp posts 4Q profit Jan 26 2017
S&T Bancorp, Inc. Announces Fourth Quarter and Full Year 2016 Results Jan 26 2017
Q4 2016 S&T Bancorp Inc Earnings Release - Before Market Open Jan 26 2017
Investor Network Invites You to the S&T Bancorp Fourth Quarter 2016 Earnings Webcast Live on... Jan 25 2017
S&T Bancorp, Inc. Declares Quarterly Dividend Jan 24 2017
Is S&T Bancorp (STBA) Stock a Solid Choice Right Now? Jan 13 2017
S&T Bank Welcomes New Senior Vice President In Northeast Ohio Jan 10 2017
S&T Bancorp To Webcast Fourth Quarter Earnings Conference Call Jan 04 2017
S&T Bancorp To Webcast Fourth Quarter Earnings Conference Call Jan 04 2017

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