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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 0.20
STBA's Cash to Debt is ranked lower than
87% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. STBA: 0.20 )
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: 0.2
0.1
2.22
Equity to Asset 0.13
STBA's Equity to Asset is ranked higher than
76% of the 1608 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 4.33
STBA's Interest Coverage is ranked higher than
77% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. STBA: 4.33 )
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: 4.33
0.08
6.04
F-Score: 4
M-Score: -2.22
WACC vs ROIC
6.40%
5.73%
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 (%) 38.02
STBA's Operating margin (%) is ranked higher than
66% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. STBA: 38.02 )
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: 38.02
2.21
49.52
Net-margin (%) 27.96
STBA's Net-margin (%) is ranked higher than
66% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. STBA: 27.96 )
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: 27.96
4.31
35.75
ROE (%) 8.74
STBA's ROE (%) is ranked higher than
52% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. STBA: 8.74 )
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: 8.74
0.41
16.6
ROA (%) 1.10
STBA's ROA (%) is ranked higher than
65% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. STBA: 1.10 )
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: 1.1
0.18
1.66
Revenue Growth (3Y)(%) 3.00
STBA's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. STBA: 3.00 )
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 Max: 8.6
Current: 3
-2.6
8.6
EBITDA Growth (3Y)(%) 17.50
STBA's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. STBA: 17.50 )
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 Max: 60.6
Current: 17.5
-49.1
60.6
EPS Growth (3Y)(%) 18.80
STBA's EPS Growth (3Y)(%) is ranked higher than
76% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. STBA: 18.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STBA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -67.6  Med: 6.2 Max: 156.4
Current: 18.8
-67.6
156.4
GuruFocus has detected 4 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 (Next Earnings Date: 2017-01-26)


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

» Details

Guru Trades

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
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
» 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:BPFH, NAS:BNCL, AMEX:TMP, NYSE:FCF, NAS:HTLF, NAS:WSFS, NAS:CSFL, NAS:BUSE, NYSE:FBP, NAS:IBTX, NAS:BANF, NAS:LKFN, NAS:SRCE, NAS:FRME, NAS:ABCB, NAS:BRKL, NAS:HAFC, NAS:UBSH, NAS:WABC, NAS:SBSI » 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
P/E(ttm) 18.54
STBA's P/E(ttm) is ranked lower than
66% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. STBA: 18.54 )
Ranked among companies with meaningful P/E(ttm) only.
STBA' s P/E(ttm) Range Over the Past 10 Years
Min: 9.35  Med: 14.94 Max: 272
Current: 18.54
9.35
272
Forward P/E 17.61
STBA's Forward P/E is ranked lower than
65% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. STBA: 17.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.54
STBA's PE(NRI) is ranked lower than
66% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. STBA: 18.54 )
Ranked among companies with meaningful PE(NRI) only.
STBA' s PE(NRI) Range Over the Past 10 Years
Min: 9.35  Med: 14.94 Max: 272
Current: 18.54
9.35
272
Price/Owner Earnings (ttm) 27.65
STBA's Price/Owner Earnings (ttm) is ranked lower than
84% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. STBA: 27.65 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
STBA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.68  Med: 14.96 Max: 309.61
Current: 27.65
6.68
309.61
P/B 1.57
STBA's P/B is ranked lower than
71% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. STBA: 1.57 )
Ranked among companies with meaningful P/B only.
STBA' s P/B Range Over the Past 10 Years
Min: 0.77  Med: 1.28 Max: 2.75
Current: 1.57
0.77
2.75
P/S 5.14
STBA's P/S is ranked lower than
77% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. STBA: 5.14 )
Ranked among companies with meaningful P/S only.
STBA' s P/S Range Over the Past 10 Years
Min: 1.7  Med: 3.74 Max: 6.46
Current: 5.14
1.7
6.46
PFCF 19.62
STBA's PFCF is ranked lower than
71% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. STBA: 19.62 )
Ranked among companies with meaningful PFCF only.
STBA' s PFCF Range Over the Past 10 Years
Min: 4.19  Med: 10.19 Max: 22.52
Current: 19.62
4.19
22.52
POCF 18.47
STBA's POCF is ranked lower than
76% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. STBA: 18.47 )
Ranked among companies with meaningful POCF only.
STBA' s POCF Range Over the Past 10 Years
Min: 4.12  Med: 9.8 Max: 19.06
Current: 18.47
4.12
19.06
EV-to-EBIT 18.82
STBA's EV-to-EBIT is ranked lower than
69% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. STBA: 18.82 )
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: 18.82
5
193.7
EV-to-EBITDA 18.22
STBA's EV-to-EBITDA is ranked lower than
71% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. STBA: 18.22 )
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: 18.22
4.5
71.1
PEG 4.40
STBA's PEG is ranked lower than
84% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. STBA: 4.40 )
Ranked among companies with meaningful PEG only.
STBA' s PEG Range Over the Past 10 Years
Min: 0.66  Med: 3.17 Max: 21.31
Current: 4.4
0.66
21.31
Shiller P/E 21.81
STBA's Shiller P/E is ranked lower than
52% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. STBA: 21.81 )
Ranked among companies with meaningful Shiller P/E only.
STBA' s Shiller P/E Range Over the Past 10 Years
Min: 5.8  Med: 12.94 Max: 22.57
Current: 21.81
5.8
22.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.04
STBA's Dividend Yield is ranked lower than
64% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. STBA: 2.04 )
Ranked among companies with meaningful Dividend Yield only.
STBA' s Dividend Yield Range Over the Past 10 Years
Min: 1.76  Med: 3.17 Max: 9.04
Current: 2.04
1.76
9.04
Dividend Payout 0.37
STBA's Dividend Payout is ranked lower than
58% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. STBA: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
STBA' s Dividend Payout Range Over the Past 10 Years
Min: 0.35  Med: 0.48 Max: 8.71
Current: 0.37
0.35
8.71
Dividend Growth (3y) 6.80
STBA's Dividend Growth (3y) is ranked lower than
55% of the 728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 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: 4.7 Max: 17.4
Current: 6.8
-21.5
17.4
Forward Dividend Yield 2.11
STBA's Forward Dividend Yield is ranked lower than
66% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. STBA: 2.11 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.46
STBA's Yield on cost (5-Year) is ranked lower than
64% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. STBA: 2.46 )
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: 3.86 Max: 11
Current: 2.46
2.14
11
3-Year Average Share Buyback Ratio -5.40
STBA's 3-Year Average Share Buyback Ratio is ranked lower than
63% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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: -0.6 Max: 2.6
Current: -5.4
-6.8
2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.44
STBA's Price/Tangible Book is ranked lower than
86% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. STBA: 2.44 )
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: 2.44
1.33
3.69
Price/Projected FCF 0.91
STBA's Price/Projected FCF is ranked lower than
61% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. STBA: 0.91 )
Ranked among companies with meaningful Price/Projected FCF only.
STBA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.9 Max: 1.34
Current: 0.91
0.35
1.34
Price/Median PS Value 1.38
STBA's Price/Median PS Value is ranked lower than
70% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. STBA: 1.38 )
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: 2.16
Current: 1.38
0.46
2.16
Price/Peter Lynch Fair Value 2.57
STBA's Price/Peter Lynch Fair Value is ranked lower than
87% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. STBA: 2.57 )
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: 0.66  Med: 1.92 Max: 3.28
Current: 2.57
0.66
3.28
Price/Graham Number 1.42
STBA's Price/Graham Number is ranked lower than
79% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. STBA: 1.42 )
Ranked among companies with meaningful Price/Graham Number only.
STBA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.85  Med: 1.27 Max: 4.32
Current: 1.42
0.85
4.32
Earnings Yield (Greenblatt) (%) 5.30
STBA's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. STBA: 5.30 )
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: 5.3
0.5
19.9
Forward Rate of Return (Yacktman) (%) 13.90
STBA's Forward Rate of Return (Yacktman) (%) is ranked higher than
58% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. STBA: 13.90 )
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: 13.9
-13.8
31.4

More Statistics

Revenue (TTM) (Mil) $254.5
EPS (TTM) $ 2.04
Beta0.70
Short Percentage of Float3.77%
52-Week Range $23.06 - 39.84
Shares Outstanding (Mil)34.91

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.07 2.15 2.30
EPS w/o NRI ($) 2.07 2.15 2.30
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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
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
Fifth Third, one of the nation's largest banks, has eyes on Western New York Jan 03 2017
S&T Bancorp, Inc. : STBA-US: Dividend Analysis : November 03rd, 2016 (record date) : By the numbers... Dec 29 2016
S&T BANCORP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Dec 07 2016
S&T Bank To Celebrate Opening Of Akron Banking Facility Dec. 1 Nov 28 2016
S&T Bancorp downgraded by Piper Jaffray Nov 16 2016
S&T Bank To Celebrate Grand Opening On Pittsburgh's North Shore Nov. 16 Nov 10 2016
S&T BANCORP INC Financials Nov 09 2016
S&T BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 02 2016
S&T Bancorp (STBA) Looks Good: Stock Adds 5.4% in Session Oct 26 2016
Edited Transcript of STBA earnings conference call or presentation 20-Oct-16 5:00pm GMT Oct 20 2016
S&T BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition Oct 20 2016
S&T Bancorp, Inc. Announces Record Third Quarter 2016 Net Income Oct 20 2016
S&T Bancorp, Inc. Announces Record Third Quarter 2016 Net Income Oct 20 2016
Q3 2016 S&T Bancorp Inc Earnings Release - Before Market Open Oct 20 2016
Investor Calendar Invites You to the S&T Bancorp Third Quarter 2016 Webcast Live on Thursday,... Oct 19 2016
S&T Bancorp, Inc. Declares Increased Dividend Oct 18 2016

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