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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 0.46
STBA's Cash to Debt is ranked lower than
70% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. STBA: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
STBA' s 10-Year Cash to Debt Range
Min: 0.1   Max: 2.22
Current: 0.46

0.1
2.22
Equity to Asset 0.13
STBA's Equity to Asset is ranked higher than
77% of the 1283 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 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.13

0.09
0.15
Interest Coverage 6.04
STBA's Interest Coverage is ranked higher than
84% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. STBA: 6.04 )
Ranked among companies with meaningful Interest Coverage only.
STBA' s 10-Year Interest Coverage Range
Min: 0.08   Max: 6.04
Current: 6.04

0.08
6.04
F-Score: 6
Z-Score: 0.31
WACC vs ROIC
10.79%
7.39%
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 (%) 37.62
STBA's Operating margin (%) is ranked higher than
69% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. STBA: 37.62 )
Ranked among companies with meaningful Operating margin (%) only.
STBA' s 10-Year Operating margin (%) Range
Min: 2.21   Max: 57.13
Current: 37.62

2.21
57.13
Net-margin (%) 28.40
STBA's Net-margin (%) is ranked higher than
71% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. STBA: 28.40 )
Ranked among companies with meaningful Net-margin (%) only.
STBA' s 10-Year Net-margin (%) Range
Min: 4.31   Max: 42.13
Current: 28.4

4.31
42.13
ROE (%) 8.98
STBA's ROE (%) is ranked higher than
55% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. STBA: 8.98 )
Ranked among companies with meaningful ROE (%) only.
STBA' s 10-Year ROE (%) Range
Min: 1.59   Max: 17.91
Current: 8.98

1.59
17.91
ROA (%) 1.12
STBA's ROA (%) is ranked higher than
71% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. STBA: 1.12 )
Ranked among companies with meaningful ROA (%) only.
STBA' s 10-Year ROA (%) Range
Min: 0.18   Max: 2.19
Current: 1.12

0.18
2.19
ROC (Joel Greenblatt) (%) 59.71
STBA's ROC (Joel Greenblatt) (%) is ranked lower than
57% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. STBA: 59.71 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
STBA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.51   Max: 456.31
Current: 59.71

2.51
456.31
Revenue Growth (3Y)(%) 0.30
STBA's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. STBA: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
STBA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.5   Max: 8.5
Current: 0.3

-2.5
8.5
EBITDA Growth (3Y)(%) 3.40
STBA's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. STBA: 3.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
STBA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -49.2   Max: 61
Current: 3.4

-49.2
61
EPS Growth (3Y)(%) 11.20
STBA's EPS Growth (3Y)(%) is ranked higher than
56% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. STBA: 11.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
STBA' s 10-Year EPS Growth (3Y)(%) Range
Min: -67.6   Max: 156.4
Current: 11.2

-67.6
156.4
» STBA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

STBA Guru Trades in Q2 2014

Jim Simons Sold Out
» More
Q3 2014

STBA Guru Trades in Q3 2014

Jim Simons 35,420 sh (New)
» More
Q4 2014

STBA Guru Trades in Q4 2014

Jim Simons 32,500 sh (-8.24%)
» More
Q1 2015

STBA Guru Trades in Q1 2015

James Barrow 94,094 sh (New)
Jim Simons 49,600 sh (+52.62%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 14.60
STBA's P/E(ttm) is ranked higher than
64% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. STBA: 14.60 )
Ranked among companies with meaningful P/E(ttm) only.
STBA' s 10-Year P/E(ttm) Range
Min: 9.35   Max: 250.53
Current: 14.6

9.35
250.53
Forward P/E 12.14
STBA's Forward P/E is ranked higher than
69% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 12.14 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.30
STBA's PE(NRI) is ranked higher than
70% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.40 vs. STBA: 14.30 )
Ranked among companies with meaningful PE(NRI) only.
STBA' s 10-Year PE(NRI) Range
Min: 9.35   Max: 238
Current: 14.3

9.35
238
P/B 1.10
STBA's P/B is ranked higher than
52% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. STBA: 1.10 )
Ranked among companies with meaningful P/B only.
STBA' s 10-Year P/B Range
Min: 0.77   Max: 3.09
Current: 1.1

0.77
3.09
P/S 4.12
STBA's P/S is ranked lower than
75% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 4.12 )
Ranked among companies with meaningful P/S only.
STBA' s 10-Year P/S Range
Min: 1.72   Max: 7.41
Current: 4.12

1.72
7.41
PFCF 11.90
STBA's PFCF is ranked higher than
71% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.00 vs. STBA: 11.90 )
Ranked among companies with meaningful PFCF only.
STBA' s 10-Year PFCF Range
Min: 4.24   Max: 23.07
Current: 11.9

4.24
23.07
POCF 10.85
STBA's POCF is ranked higher than
73% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 10.85 )
Ranked among companies with meaningful POCF only.
STBA' s 10-Year POCF Range
Min: 4.2   Max: 20.11
Current: 10.85

4.2
20.11
EV-to-EBIT 14.43
STBA's EV-to-EBIT is ranked higher than
67% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.38 vs. STBA: 14.43 )
Ranked among companies with meaningful EV-to-EBIT only.
STBA' s 10-Year EV-to-EBIT Range
Min: 5   Max: 193.7
Current: 14.43

5
193.7
PEG 0.47
STBA's PEG is ranked higher than
96% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 0.47 )
Ranked among companies with meaningful PEG only.
STBA' s 10-Year PEG Range
Min: 0.59   Max: 102.08
Current: 0.47

0.59
102.08
Shiller P/E 19.80
STBA's Shiller P/E is ranked higher than
69% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 19.80 )
Ranked among companies with meaningful Shiller P/E only.
STBA' s 10-Year Shiller P/E Range
Min: 5.86   Max: 23.22
Current: 19.8

5.86
23.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.60
STBA's Dividend Yield is ranked higher than
50% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. STBA: 2.60 )
Ranked among companies with meaningful Dividend Yield only.
STBA' s 10-Year Dividend Yield Range
Min: 1.76   Max: 9.04
Current: 2.6

1.76
9.04
Dividend Payout 0.37
STBA's Dividend Payout is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
STBA' s 10-Year Dividend Payout Range
Min: 0.31   Max: 1.25
Current: 0.37

0.31
1.25
Dividend growth (3y) 4.30
STBA's Dividend growth (3y) is ranked higher than
82% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 4.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
STBA' s 10-Year Dividend growth (3y) Range
Min: -21.5   Max: 17.4
Current: 4.3

-21.5
17.4
Yield on cost (5-Year) 2.83
STBA's Yield on cost (5-Year) is ranked lower than
54% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 2.83 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
STBA' s 10-Year Yield on cost (5-Year) Range
Min: 1.91   Max: 9.83
Current: 2.83

1.91
9.83
Share Buyback Rate -2.00
STBA's Share Buyback Rate is ranked higher than
76% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: -2.00 )
Ranked among companies with meaningful Share Buyback Rate only.
STBA' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -3.8
Current: -2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
STBA's Price/Tangible Book is ranked lower than
58% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 1.80 )
Ranked among companies with meaningful Price/Tangible Book only.
STBA' s 10-Year Price/Tangible Book Range
Min: 1.51   Max: 3.58
Current: 1.8

1.51
3.58
Price/DCF (Projected) 0.60
STBA's Price/DCF (Projected) is ranked higher than
84% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 0.60 )
Ranked among companies with meaningful Price/DCF (Projected) only.
STBA' s 10-Year Price/DCF (Projected) Range
Min: 0.36   Max: 1.35
Current: 0.6

0.36
1.35
Price/Median PS Value 1.10
STBA's Price/Median PS Value is ranked higher than
65% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
STBA' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 2.08
Current: 1.1

0.45
2.08
Price/Graham Number 1.10
STBA's Price/Graham Number is ranked higher than
55% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. STBA: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
STBA' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 1.81
Current: 1.1

0.68
1.81
Earnings Yield (Greenblatt) 6.90
STBA's Earnings Yield (Greenblatt) is ranked higher than
66% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.00 vs. STBA: 6.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
STBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 19.9
Current: 6.9

0.5
19.9
Forward Rate of Return (Yacktman) 13.48
STBA's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 2100 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. STBA: 13.48 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
STBA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -15.9   Max: 33.5
Current: 13.48

-15.9
33.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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 

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