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S&T BancorpSTBA -0.58%67 FCF Margin % is 25.62% as of Jun. 2026, which is 40% below its 10-year median of 42.40. GuruFocus rates STBA with a GF Score™ of 67/100 and a GF Value™ of $43.00 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,499 Banks companies, S&T Bancorp ranks better than 62.71% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. S&T Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $27.0 Mil. S&T Bancorp's Revenue for the
three
months ended in Jun. 2026 was $105.2 Mil. Therefore, S&T Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was 25.62%.
The historical data trend for S&T Bancorp's FCF Margin % 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.
STBA vs TCBK, TFIN, RBCAA: FCF Margin % Comparison
For the Banks - Regional subindustry, S&T Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, S&T Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where S&T Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 25.62% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on S&T Bancorp and its competitors. This is 40% below median its historical median of 42.40. Over the past decade, S&T Bancorp's FCF Margin % has ranged from 13.60 to 63.27. According to the industry distribution chart, S&T Bancorp ranks #559 out of 1499 companies in the Banks industry, placing it in the top 37.3%.
Is S&T Bancorp's FCF Margin % too high?
S&T Bancorp's current FCF Margin % of 25.62% is 40% below median its 10-year median of 42.40. Over the past 10 years, this metric has ranged from a low of 13.60 to a high of 63.27. The Banks industry median FCF Margin % is 27.17. S&T Bancorp's value of 25.62% is 5.7% below this industry median. Based on the distribution chart, S&T Bancorp ranks #559 out of 1499 companies in the Banks industry, which is above the industry midpoint. Overall, S&T Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does S&T Bancorp's FCF Margin % compare to TCBK and TFIN?
According to the Banks industry distribution chart, S&T Bancorp ranks #559 out of 1499 companies for FCF Margin %. This puts S&T Bancorp in the upper half of its industry. The industry median FCF Margin % is 27.17. S&T Bancorp's value of 25.62% is 5.7% below this benchmark. Historically, S&T Bancorp's own FCF Margin % has ranged from 13.60 to 63.27 over the past decade. While the company's 10-year median is 42.40 vs. the industry median of 27.17, S&T Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.17, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. S&T Bancorp's current FCF Margin % of 25.62% is 5.7% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on S&T Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. S&T Bancorp's current FCF Margin % is 25.62%, which is 40% below median its own 10-year median of 42.40. 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 $43.00, compared to a current price of $50.01 — trading 16.3% above its estimated fair value. The current FCF Margin % is 25.62%, which is 40% below median its 10-year median of 42.40 and 5.7% below the Banks industry median of 27.17. S&T Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For S&T Bancorp (STBA), the current FCF Margin % is 25.62% as of Jun. 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 $50.01 is trading 16.3% above its estimated GF Value™ of $43.00.
GuruFocus considers S&T Bancorp to be Modestly Overvalued.
Key valuation signals for STBA:
FCF Margin %: 25.62% (40% below median its 10-year median of 42.40)
GF Value™: $43.00 vs. price of $50.01 (16.3% above fair value)
Industry Position: 5.7% below the Banks median (#559 of 1499)
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.
67GF Score
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