S&T BancorpSTBA +0.99%69 EV-to-FCF is 11.00 as of Jun. 26, 2026, which is 6% below its 10-year median of 11.72. GuruFocus rates STBA with a GF Score™ of 69/100 and a GF Value™ of $40.29 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, S&T Bancorp ranks worse than 65.55% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, S&T Bancorp's Enterprise Value is $1,575.2 Mil.
S&T Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $143.2 Mil. Therefore, S&T Bancorp's EV-to-FCF for today is 11.00.
The historical rank and industry rank for S&T Bancorp's EV-to-FCF or its related term are showing as below:
STBA'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.91 Med: 11.72 Max: 34.6
Current: 11
During the past 13 years, the highest EV-to-FCF of S&T Bancorp was 34.60. The lowest was 0.91. And the median was 11.72.
STBA's EV-to-FCF is ranked worse than 65.55% of 1193
companies
in the Banks industry
Industry Median: 6.52
vs STBA: 11.00
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
S&T Bancorp's PE Ratio (TTM) for today is calculated as:
S&T Bancorp's share price for today is $49.03.
S&T Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.570.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
S&T Bancorp EV-to-FCF Related Terms
S&T Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for S&T Bancorp's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, S&T Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
S&T Bancorp EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, S&T Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where S&T Bancorp's EV-to-FCF falls into.
S&T Bancorp's current Enterprise Value is $1,575.2 Mil.
S&T Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $143.2 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
S&T Bancorp (STBA) has a EV-to-FCF of 11.00 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on S&T Bancorp and its competitors. This is near median its historical median of 11.72. Over the past decade, S&T Bancorp's EV-to-FCF has ranged from 0.91 to 34.60. According to the industry distribution chart, S&T Bancorp ranks #782 out of 1193 companies in the Banks industry, placing it in the top 65.5%.
Is S&T Bancorp's EV-to-FCF too high?
S&T Bancorp's current EV-to-FCF of 11.00 is near median its 10-year median of 11.72. Over the past 10 years, this metric has ranged from a low of 0.91 to a high of 34.60. The Banks industry median EV-to-FCF is 6.52. S&T Bancorp's value of 11.00 is 68.7% above this industry median. Based on the distribution chart, S&T Bancorp ranks #782 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, S&T Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does S&T Bancorp's EV-to-FCF compare to TCBK and GABC?
According to the Banks industry distribution chart, S&T Bancorp ranks #782 out of 1193 companies for EV-to-FCF. This places S&T Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.52. S&T Bancorp's value of 11.00 is 68.7% above this benchmark. Historically, S&T Bancorp's own EV-to-FCF has ranged from 0.91 to 34.60 over the past decade. While the company's 10-year median is 11.72 vs. the industry median of 6.52, S&T Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. S&T Bancorp's current EV-to-FCF of 11.00 is 68.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on S&T Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S&T Bancorp's current EV-to-FCF is 11.00, which is near median its own 10-year median of 11.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S&T Bancorp stock overvalued right now?
Based on GuruFocus' analysis, S&T Bancorp (STBA) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.29, compared to a current price of $49.03 — trading 21.7% above its estimated fair value. The current EV-to-FCF is 11.00, which is near median its 10-year median of 11.72 and 68.7% above the Banks industry median of 6.52. S&T Bancorp's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For S&T Bancorp (STBA), the current EV-to-FCF is 11.00 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is S&T Bancorp (STBA) Overvalued in 2026?
Based on GuruFocus' analysis, S&T Bancorp stock appears to be overvalued.
The current stock price of $49.03 is trading 21.7% above its estimated GF Value™ of $40.29.
GuruFocus considers S&T Bancorp to be Modestly Overvalued.
Key valuation signals for STBA:
EV-to-FCF: 11.00 (near median its 10-year median of 11.72)
GF Value™: $40.29 vs. price of $49.03 (21.7% above fair value)
Industry Position: 68.7% above the Banks median (#782 of 1193)
No single metric tells the full story. See the STBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
S&T Bancorp Inc is a financial holding company providing a full range of financial services to individuals and businesses in Pennsylvania and Ohio, including retail and commercial banking products, cash management, and trust and brokerage services. Through its subsidiary, it offers consumer, commercial, and small business banking services, including time and demand deposits, commercial and consumer loans, brokerage and trust services, and manages private investment accounts for individuals and institutions. The company earns revenue mainly from interest on loans and securities and fees for financial services, with net interest income as the principal source of revenue, and incurs expenses for deposits, funding sources, provision for credit losses, and operating costs.
69GF Score
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