S&T Bancorp, Inc. (STBA) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.17
↑+33% vs avg
5yr avg: 7.65
30Y Low3.2·High60.6
P/FCF
↑
12.67
↑+60% vs avg
5yr avg: 7.93
30Y Low5.6·High34.4
P/B Ratio
↑
1.17
+11% vs avg
5yr avg: 1.05
30Y Low0.8·High3.0
ROE
↑
9.4%
-9% vs avg
5yr avg: 10.3%
30Y Low2%·High18%
Debt/EBITDA
↑
1.78
↓-6% vs avg
5yr avg: 1.89
30Y Low1.1·High24.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
STBA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
S&T Bancorp, Inc. trades at 12.8x earnings, 21% above its 5-year average of 10.5x, sitting at the 25th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.4x. On a free-cash-flow basis, the stock trades at 12.7x P/FCF, 60% above the 5-year average of 7.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.5B | $1.5B | $1.3B | $1.3B | $1.2B | $970M | $1.6B | $1.3B | $1.4B | $1.4B |
| Enterprise Value | $1.8B | $1.7B | $1.5B | $1.6B | $1.6B | $470M | $969M | $1.8B | $1.8B | $2.0B | $2.0B |
| P/E Ratio → | 12.76 | 11.28 | 11.24 | 8.94 | 9.88 | 11.22 | 46.87 | 16.25 | 12.57 | 19.05 | 19.14 |
| P/S Ratio | 2.87 | 2.66 | 2.61 | 2.41 | 3.34 | 3.48 | 2.55 | 4.27 | 3.93 | 4.39 | 4.83 |
| P/B Ratio | 1.17 | 1.03 | 1.07 | 1.01 | 1.13 | 1.02 | 0.84 | 1.34 | 1.41 | 1.57 | 1.62 |
| P/FCF | 12.67 | 11.76 | 8.64 | 7.80 | 5.64 | 5.83 | 21.04 | 11.96 | 10.69 | 12.66 | 14.62 |
| P/OCF | 12.22 | 11.34 | 8.49 | 7.52 | 5.55 | 5.73 | 18.83 | 11.51 | 10.34 | 12.14 | 14.08 |
P/E links to full P/E history page with 30-year chart
STBA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
S&T Bancorp, Inc.'s enterprise value stands at 10.2x EBITDA, 33% above its 5-year average of 7.7x. The Financial Services sector median is 11.4x, placing the stock at a 11% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.92 | 2.62 | 2.92 | 3.92 | 1.33 | 2.55 | 4.86 | 5.26 | 6.18 | 7.06 |
| EV / EBITDA | 10.17 | 9.50 | 8.41 | 8.38 | 8.78 | 3.19 | 29.26 | 14.04 | 13.58 | 16.02 | 19.88 |
| EV / EBIT | 10.60 | 9.90 | 8.97 | 8.74 | 9.25 | 3.46 | 46.05 | 15.44 | 14.39 | 16.36 | 20.63 |
| EV / FCF | — | 12.90 | 8.67 | 9.44 | 6.61 | 2.23 | 21.00 | 13.60 | 14.31 | 17.83 | 21.39 |
STBA Profitability
Margins and return-on-capital ratios measuring operating efficiency
S&T Bancorp, Inc. earns an operating margin of 29.5%, above the Financial Services sector average of 21.2%. Operating margins have compressed from 33.4% to 29.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.4% is modest. ROIC of 7.4% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.4% | 69.4% | 67.9% | 72.7% | 91.6% | 91.7% | 54.6% | 76.3% | 79.1% | 84.6% | 85.0% |
| Operating Margin | 29.5% | 29.5% | 29.2% | 33.4% | 42.3% | 38.3% | 5.5% | 31.5% | 36.5% | 37.8% | 34.2% |
| Net Profit Margin | 23.6% | 23.6% | 23.2% | 27.0% | 34.0% | 31.2% | 5.5% | 26.3% | 31.2% | 23.1% | 25.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 9.4% | 9.9% | 11.7% | 11.3% | 9.3% | 1.8% | 9.2% | 11.6% | 8.5% | 8.7% |
| ROA | 1.4% | 1.4% | 1.4% | 1.6% | 1.5% | 1.2% | 0.2% | 1.2% | 1.5% | 1.0% | 1.1% |
| ROIC | 7.4% | 7.4% | 7.2% | 7.9% | 8.5% | 7.4% | 1.1% | 5.6% | 5.9% | 5.6% | 4.9% |
| ROCE | 2.9% | 2.9% | 9.9% | 11.4% | 11.5% | 9.6% | 1.5% | 9.3% | 11.6% | 11.9% | 9.8% |
STBA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
S&T Bancorp, Inc. carries a Debt/EBITDA ratio of 1.8x, which is manageable (57% below the sector average of 4.1x). Net debt stands at $148M ($311M total debt minus $163M cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.18 | 0.39 | 0.37 | 0.13 | 0.20 | 0.35 | 0.65 | 0.77 | 0.92 |
| Debt / EBITDA | 1.78 | 1.78 | 1.42 | 2.70 | 2.47 | 1.10 | 6.88 | 3.23 | 4.63 | 5.60 | 7.69 |
| Net Debt / Equity | — | 0.10 | 0.00 | 0.21 | 0.19 | -0.63 | -0.00 | 0.18 | 0.48 | 0.64 | 0.75 |
| Net Debt / EBITDA | 0.84 | 0.84 | 0.03 | 1.45 | 1.29 | -5.17 | -0.05 | 1.69 | 3.44 | 4.64 | 6.30 |
| Debt / FCF | — | 1.14 | 0.03 | 1.63 | 0.97 | -3.60 | -0.04 | 1.64 | 3.62 | 5.17 | 6.78 |
| Interest Coverage | 1.01 | 1.01 | 0.91 | 1.39 | 6.77 | 10.32 | 0.51 | 1.59 | 2.22 | 3.42 | 3.94 |
STBA Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
S&T Bancorp, Inc.'s current ratio of 6.98x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.15x to 6.98x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 6.98 | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Quick Ratio | 6.98 | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Cash Ratio | 0.99 | 0.99 | 0.03 | 0.03 | 0.03 | 0.11 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
STBA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
S&T Bancorp, Inc. returns 5.4% to shareholders annually — split between a 3.1% dividend yield and 2.3% buyback yield. The payout ratio of 39.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.1% | 3.5% | 3.5% | 3.8% | 3.5% | 3.6% | 4.5% | 2.3% | 2.6% | 2.1% | 2.0% |
| Payout Ratio | 39.4% | 39.4% | 38.8% | 34.3% | 34.6% | 40.2% | 208.9% | 38.0% | 32.8% | 39.2% | 37.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 8.9% | 8.9% | 11.2% | 10.1% | 8.9% | 2.1% | 6.2% | 8.0% | 5.2% | 5.2% |
| FCF Yield | 7.9% | 8.5% | 11.6% | 12.8% | 17.7% | 17.2% | 4.8% | 8.4% | 9.4% | 7.9% | 6.8% |
| Buyback Yield | 2.3% | 2.5% | 0.1% | 1.6% | 0.6% | 0.1% | 1.4% | 1.2% | 1.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 5.4% | 6.0% | 3.5% | 5.4% | 4.2% | 3.7% | 5.9% | 3.5% | 3.6% | 2.1% | 2.0% |
| Shares Outstanding | — | $38M | $39M | $39M | $39M | $39M | $39M | $40M | $35M | $35M | $35M |
Peer Comparison
Compare STBA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 STBAYou | $2B | 12.8 | 10.2 | 12.7 | 69.4% | 29.5% | 9.4% | 7.4% | 1.8 |
 FULT | $4B | 10.5 | 9.9 | 14.7 | 67.4% | 25.7% | 11.7% | 7.5% | 2.5 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CNOB | $2B | 20.4 | 23.0 | 15.0 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 TRMK | $3B | 12.1 | 9.5 | 11.4 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
 UVSP | $1B | 12.3 | 7.5 | 11.4 | 61.0% | 21.9% | 9.9% | 6.5% | 2.9 |
 CZWI | $203M | 14.4 | 15.2 | 19.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 PFIS | $589M | 10.0 | 10.9 | 13.6 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 FUNC | $244M | 11.9 | 11.4 | 12.0 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 CCNE | $912M | 12.3 | 14.1 | 15.3 | 60.7% | 20.4% | 8.9% | 6.3% | 4.0 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
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Start ComparisonSTBA — Frequently Asked Questions
Quick answers to the most common questions about buying STBA stock.
What is S&T Bancorp, Inc.'s P/E ratio?
S&T Bancorp, Inc.'s current P/E ratio is 12.8x. The historical average is 16.6x. This places it at the 25th percentile of its historical range.
What is S&T Bancorp, Inc.'s EV/EBITDA?
S&T Bancorp, Inc.'s current EV/EBITDA is 10.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
What is S&T Bancorp, Inc.'s ROE?
S&T Bancorp, Inc.'s return on equity (ROE) is 9.4%. The historical average is 11.7%.
Is STBA stock overvalued?
Based on historical data, S&T Bancorp, Inc. is trading at a P/E of 12.8x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is S&T Bancorp, Inc.'s dividend yield?
S&T Bancorp, Inc.'s current dividend yield is 3.08% with a payout ratio of 39.4%.
What are S&T Bancorp, Inc.'s profit margins?
S&T Bancorp, Inc. has 69.4% gross margin and 29.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does S&T Bancorp, Inc. have?
S&T Bancorp, Inc.'s Debt/EBITDA ratio is 1.8x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.