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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 0.24
STBA's Cash to Debt is ranked lower than
83% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. STBA: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
STBA' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.24 Max: 2.22
Current: 0.24
0.1
2.22
Equity to Asset 0.13
STBA's Equity to Asset is ranked higher than
76% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. STBA: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
STBA' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.15
Current: 0.13
0.09
0.15
Interest Coverage 5.42
STBA's Interest Coverage is ranked higher than
83% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. STBA: 5.42 )
Ranked among companies with meaningful Interest Coverage only.
STBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.08  Med: 1.83 Max: 6.04
Current: 5.42
0.08
6.04
F-Score: 2
M-Score: -5.31
WACC vs ROIC
7.34%
6.44%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 38.14
STBA's Operating margin (%) is ranked higher than
68% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. STBA: 38.14 )
Ranked among companies with meaningful Operating margin (%) only.
STBA' s Operating margin (%) Range Over the Past 10 Years
Min: 2.21  Med: 36.23 Max: 49.52
Current: 38.14
2.21
49.52
Net-margin (%) 27.95
STBA's Net-margin (%) is ranked higher than
66% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. STBA: 27.95 )
Ranked among companies with meaningful Net-margin (%) only.
STBA' s Net-margin (%) Range Over the Past 10 Years
Min: 4.31  Med: 27.31 Max: 35.75
Current: 27.95
4.31
35.75
ROE (%) 8.93
STBA's ROE (%) is ranked higher than
54% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. STBA: 8.93 )
Ranked among companies with meaningful ROE (%) only.
STBA' s ROE (%) Range Over the Past 10 Years
Min: 0.41  Med: 9.32 Max: 16.6
Current: 8.93
0.41
16.6
ROA (%) 1.13
STBA's ROA (%) is ranked higher than
67% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. STBA: 1.13 )
Ranked among companies with meaningful ROA (%) only.
STBA' s ROA (%) Range Over the Past 10 Years
Min: 0.18  Med: 1.17 Max: 1.66
Current: 1.13
0.18
1.66
Revenue Growth (3Y)(%) 2.90
STBA's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. STBA: 2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STBA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.6  Med: 4.00 Max: 8.5
Current: 2.9
-2.6
8.5
EBITDA Growth (3Y)(%) 17.40
STBA's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. STBA: 17.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STBA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -49.1  Med: 6.00 Max: 60.8
Current: 17.4
-49.1
60.8
EPS Growth (3Y)(%) 18.60
STBA's EPS Growth (3Y)(%) is ranked higher than
75% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. STBA: 18.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STBA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -67  Med: 6.20 Max: 151.6
Current: 18.6
-67
151.6
» STBA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-21)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

STBA Guru Trades in Q2 2015

Jim Simons 74,300 sh (+49.80%)
Barrow, Hanley, Mewhinney & Strauss 99,188 sh (+5.41%)
» More
Q3 2015

STBA Guru Trades in Q3 2015

Jeremy Grantham 9,500 sh (New)
Jim Simons 108,600 sh (+46.16%)
Barrow, Hanley, Mewhinney & Strauss 53,112 sh (-46.45%)
» More
Q4 2015

STBA Guru Trades in Q4 2015

Jim Simons 155,800 sh (+43.46%)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Jeremy Grantham 8,700 sh (-8.42%)
» More
Q1 2016

STBA Guru Trades in Q1 2016

Jim Simons 318,686 sh (+104.55%)
Jeremy Grantham Sold Out
» 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
Compare:NAS:LTXB, NAS:NBTB, NAS:WSBC, NAS:WABC, NAS:OPB, NAS:FFBC » 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's competition for loans comes from commercial banks, savings associations, mortgage banking companies, credit unions and other financial service companies. It faces additional competition for deposits from non-depository competitors such as the mutual fund industry, securities and brokerage firms and insurance companies. 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
P/E(ttm) 12.84
STBA's P/E(ttm) is ranked higher than
50% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. STBA: 12.84 )
Ranked among companies with meaningful P/E(ttm) only.
STBA' s P/E(ttm) Range Over the Past 10 Years
Min: 9.35  Med: 15.17 Max: 250.53
Current: 12.84
9.35
250.53
Forward P/E 11.79
STBA's Forward P/E is ranked higher than
53% of the 376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.05 vs. STBA: 11.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.90
STBA's PE(NRI) is ranked lower than
51% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. STBA: 12.90 )
Ranked among companies with meaningful PE(NRI) only.
STBA' s PE(NRI) Range Over the Past 10 Years
Min: 9.35  Med: 15.16 Max: 238
Current: 12.9
9.35
238
Price/Owner Earnings (ttm) 16.01
STBA's Price/Owner Earnings (ttm) is ranked lower than
67% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. STBA: 16.01 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
STBA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.59  Med: 14.87 Max: 309.61
Current: 16.01
6.59
309.61
P/B 1.11
STBA's P/B is ranked lower than
56% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. STBA: 1.11 )
Ranked among companies with meaningful P/B only.
STBA' s P/B Range Over the Past 10 Years
Min: 0.77  Med: 1.30 Max: 3.08
Current: 1.11
0.77
3.08
P/S 3.56
STBA's P/S is ranked lower than
62% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. STBA: 3.56 )
Ranked among companies with meaningful P/S only.
STBA' s P/S Range Over the Past 10 Years
Min: 1.7  Med: 3.79 Max: 7.42
Current: 3.56
1.7
7.42
PFCF 14.51
STBA's PFCF is ranked lower than
70% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. STBA: 14.51 )
Ranked among companies with meaningful PFCF only.
STBA' s PFCF Range Over the Past 10 Years
Min: 4.19  Med: 10.26 Max: 23.04
Current: 14.51
4.19
23.04
POCF 13.48
STBA's POCF is ranked lower than
74% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. STBA: 13.48 )
Ranked among companies with meaningful POCF only.
STBA' s POCF Range Over the Past 10 Years
Min: 4.12  Med: 9.87 Max: 20.16
Current: 13.48
4.12
20.16
EV-to-EBIT 13.55
STBA's EV-to-EBIT is ranked lower than
51% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. STBA: 13.55 )
Ranked among companies with meaningful EV-to-EBIT only.
STBA' s EV-to-EBIT Range Over the Past 10 Years
Min: 5  Med: 13.70 Max: 193.7
Current: 13.55
5
193.7
EV-to-EBITDA 13.58
STBA's EV-to-EBITDA is ranked lower than
57% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. STBA: 13.58 )
Ranked among companies with meaningful EV-to-EBITDA only.
STBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.5  Med: 13.00 Max: 71.1
Current: 13.58
4.5
71.1
PEG 3.15
STBA's PEG is ranked lower than
80% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STBA: 3.15 )
Ranked among companies with meaningful PEG only.
STBA' s PEG Range Over the Past 10 Years
Min: 0.66  Med: 3.09 Max: 20.73
Current: 3.15
0.66
20.73
Shiller P/E 15.01
STBA's Shiller P/E is ranked higher than
62% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.33 vs. STBA: 15.01 )
Ranked among companies with meaningful Shiller P/E only.
STBA' s Shiller P/E Range Over the Past 10 Years
Min: 5.83  Med: 12.90 Max: 19.31
Current: 15.01
5.83
19.31

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.89
STBA's Dividend Yield is ranked lower than
51% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. STBA: 2.89 )
Ranked among companies with meaningful Dividend Yield only.
STBA' s Dividend Yield Range Over the Past 10 Years
Min: 1.76  Med: 3.16 Max: 9.04
Current: 2.89
1.76
9.04
Dividend Payout 0.37
STBA's Dividend Payout 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 only.
STBA' s Dividend Payout Range Over the Past 10 Years
Min: 0.31  Med: 0.50 Max: 1.25
Current: 0.37
0.31
1.25
Dividend Growth (3y) 6.80
STBA's Dividend Growth (3y) is ranked lower than
54% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. STBA: 6.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
STBA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -21.5  Med: 4.70 Max: 17.4
Current: 6.8
-21.5
17.4
Forward Dividend Yield 2.93
STBA's Forward Dividend Yield is ranked lower than
55% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. STBA: 2.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.52
STBA's Yield on cost (5-Year) is ranked higher than
51% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. STBA: 3.52 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STBA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.14  Med: 3.84 Max: 11
Current: 3.52
2.14
11
3-Year Average Share Buyback Ratio -5.40
STBA's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. STBA: -5.40 )
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: -6.8  Med: -0.60 Max: 2.6
Current: -5.4
-6.8
2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
STBA's Price/Tangible Book is ranked lower than
78% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. STBA: 1.76 )
Ranked among companies with meaningful Price/Tangible Book only.
STBA' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.33  Med: 2.19 Max: 3.69
Current: 1.76
1.33
3.69
Price/Projected FCF 0.66
STBA's Price/Projected FCF is ranked higher than
50% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. STBA: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
STBA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.91 Max: 1.34
Current: 0.66
0.35
1.34
Price/Median PS Value 0.94
STBA's Price/Median PS Value is ranked higher than
64% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. STBA: 0.94 )
Ranked among companies with meaningful Price/Median PS Value only.
STBA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.36 Max: 2.13
Current: 0.94
0.46
2.13
Price/Peter Lynch Fair Value 2.07
STBA's Price/Peter Lynch Fair Value is ranked lower than
87% of the 431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. STBA: 2.07 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
STBA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.65  Med: 1.90 Max: 3.28
Current: 2.07
0.65
3.28
Price/Graham Number 1.00
STBA's Price/Graham Number is ranked lower than
66% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. STBA: 1.00 )
Ranked among companies with meaningful Price/Graham Number only.
STBA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.85  Med: 1.26 Max: 4.04
Current: 1
0.85
4.04
Earnings Yield (Greenblatt) (%) 7.40
STBA's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. STBA: 7.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
STBA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 7.30 Max: 19.9
Current: 7.4
0.5
19.9
Forward Rate of Return (Yacktman) (%) 15.79
STBA's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. STBA: 15.79 )
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: 9.60 Max: 31.4
Current: 15.79
-13.8
31.4

More Statistics

Revenue (TTM) (Mil) $251.7
EPS (TTM) $ 2.02
Beta1.03
Short Percentage of Float5.32%
52-Week Range $23.83 - 34.00
Shares Outstanding (Mil)34.90

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.07 2.20
EPS without NRI ($) 2.07 2.20
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for STBA

Headlines

Articles On GuruFocus.com
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. breached its 50 day moving average in a Bullish Manner : STBA-US : May 25, 2016 May 25 2016
S&T BANCORP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 18 2016
S&T BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 16 2016
S&T BANCORP INC Financials May 12 2016
S&T Bancorp, Inc. to Webcast 2016 Annual Shareholder Meeting May 06 2016
S&T Bancorp, Inc. to Webcast 2016 Annual Shareholder Meeting May 06 2016
S&T Bank Partners to Plant Trees at Flight 93 Memorial May 05 2016
S&T BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 04 2016
ETF’s with exposure to S&T Bancorp, Inc. : April 28, 2016 Apr 28 2016
S&T Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : STBA-US : April 27, 2016 Apr 27 2016
S&T Bank Announces Annual Teach Children To Save Happenings Apr 26 2016
S&T Bancorp, Inc. :STBA-US: Earnings Analysis: Q4, 2015 By the Numbers Apr 26 2016
Edited Transcript of STBA earnings conference call or presentation 21-Apr-16 5:00pm GMT Apr 21 2016
S&T BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Apr 21 2016
S&T Bancorp posts 1Q profit Apr 21 2016
S&T Bancorp posts 1Q profit Apr 21 2016
S&T Bancorp, Inc. Announces First Quarter 2016 Results and Declares First Quarter Dividend Apr 21 2016
S&T Bancorp, Inc. Announces First Quarter 2016 Results and Declares First Quarter Dividend Apr 21 2016
Q1 2016 S&T Bancorp Inc Earnings Release - Before Market Open Apr 21 2016
Investor Calendar Invites You to the S&T Bancorp First Quarter 2016 Webcast Live on Thursday, April... Apr 20 2016

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