What is S&T Bancorp, Inc.'s (STBA) StockRank?

MoatMap's StockRank for S&T Bancorp, Inc. (STBA) is 66/100, with a Buy signal. This is a composite score combining Quality (58), Value (40), and Momentum (62) factor ranks across MoatMap's universe of 25,000+ stocks.

Does S&T Bancorp, Inc. have an economic moat?

S&T Bancorp, Inc. (STBA) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is S&T Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for S&T Bancorp, Inc. (STBA) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is S&T Bancorp, Inc. in?

S&T Bancorp, Inc. (STBA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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STBA

BuyPremium Grower

S&T Bancorp, Inc. · Financial Services · United States · $1.8B · Avg Vol: $11M/d

StockRank

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P/E (TTM)

13.5x

ROE

9.9%

D/E

0.2x

Dividend %

1.4%

COMPANY DESCRIPTION

S&T Bancorp is a bank holding company operating S&T Bank, providing a full range of financial services across Western Pennsylvania, Central Pennsylvania, and Northeast Ohio. It benefits from deep community roots and a strong focus on personalized customer service within its geographic footprint. S&T Bancorp is a regional community bank with a strategic focus on expanding its presence in attractive mid-Atlantic and Midwestern markets, known for its client relationships and commitment to local economic growth.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	374.0M	407.0M	383.9M	402.1M	2.4%	404.7M	417.8M	432.4M	3.7%
EPS	2.80	3.47	3.79	3.43	3.59	6.4%	3.76	4.05	4.11	7.0%
Shares	—	39.0M	38.2M	38.3M	37.4M	-4.1%	35.3M	—	—	—
Debt	—	439.2M	503.6M	250.3M	265.3M	-15.5%	312.0M	—	—	—
Equity	—	1.2B	1.3B	1.4B	1.5B	7.3%	—	—	—	—
Op CF	—	240.5M	171.7M	173.4M	133.6M	-17.8%	146.8M	—	—	—
Inv CF	—	-398.7M	-444.2M	-118.3M	-314.8M	—	—	—	—	—
Fin CF	—	-554.1M	296.1M	-43.9M	99.8M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-4.0%

SMA 50SMA 200

$50.13

RSI (14)

49.2

52W High

$53.11

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*48.1

ROE

9.9%50.0

GP/Assets

4.1%N/A

Op. Margin

44.7%63.6

FCF/Assets

1.5%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.18xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

13.5x46.7

EV/EBITDA

bankN/A

P/FCF

12.3xN/A

P/B

1.3x46.2

P/S

4.4x39.5

Div Yield

1.4%16.0

Momentum

52W High %

94%68.5

RS 6M

15%78.2

SMA 50/200

1.14x82.1

EPS Rev 4W

+0.3%42.6

EPS Rev 12W

+4.4%81.2

EPS Improve

+6%28.8

Q Growth

15%46.0

FUNDAMENTALS

Market Cap

$1.8B

P/E (Forward)

12.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of STBA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
STBA	S&T Bancorp, Inc.(you)	$1.8B	66	Buy
QCRH	QCR Holdings, Inc.	$1.6B	65	Buy
DCOM	Dime Commercial Bancshares, Inc.	$1.8B	68	Buy
CNOB	ConnectOne Bancorp, Inc.	$1.6B	64	Hold
RBCAA	Republic Bancorp, Inc.	$1.9B	62	Hold
AMAL	Amalgamated Financial Corp.	$1.5B	67	Buy
OBK	Origin Bancorp, Inc.	$1.6B	70	Buy
MBIN	Merchants Bancorp	$2.5B	66	Buy
HOPE	Hope Bancorp, Inc.	$1.8B	59	Hold
GABC	German American Bancorp, Inc.	$1.9B	72	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$50.13
Market Cap	$1.8B
P/E (TTM)	13.47
P/E (Forward)	12.68
Price/Book	1.27
Return on Equity	9.9%
Debt/Equity	0.18x
Operating Margin	44.7%
Revenue Growth	6.1%
Dividend Yield	1.4%
Free Cash Flow	$143M