Latest Ratios: P/E Ratio 12.5x · EV/EBITDA 9.5x · ROE 9.4%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.8B | $1.5B | $1.5B | $1.3B | $1.3B | $1.2B | $970M | $1.6B | $1.3B | $1.4B | $1.4B |
| Enterprise Value | $1.9B | $1.7B | $1.5B | $1.6B | $1.6B | $470M | $969M | $1.8B | $1.8B | $2.0B | $2.0B |
| P/E Ratio → | 12.51 | 11.28 | 11.24 | 8.94 | 9.88 | 11.22 | 46.87 | 16.25 | 12.57 | 19.05 | 19.14 |
| P/S Ratio | 4.42 | 3.77 | 3.84 | 3.17 | 3.57 | 3.61 | 2.86 | 5.32 | 4.70 | 4.93 | 5.29 |
| P/B Ratio | 1.34 | 1.03 | 1.07 | 1.01 | 1.13 | 1.02 | 0.84 | 1.34 | 1.41 | 1.57 | 1.62 |
| P/FCF | 10.47 | 11.76 | 8.64 | 7.80 | 5.64 | 5.83 | 21.04 | 11.96 | 10.69 | 12.66 | 14.62 |
| P/OCF | 13.40 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.13 | 3.85 | 3.84 | 4.18 | 1.38 | 2.86 | 6.05 | 6.29 | 6.95 | 7.73 |
| EV / EBITDA | 9.48 | 9.50 | 8.41 | 8.38 | 8.78 | 3.19 | 29.26 | 14.04 | 13.58 | 16.02 | 19.88 |
| EV / EBIT | 11.54 | 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 |
Margins and return-on-capital ratios measuring operating efficiency
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 | 98.2% | 98.2% | 100.0% | 95.6% | 97.8% | 95.2% | 61.2% | 95.0% | 94.7% | 95.1% | 93.0% |
| Operating Margin | 41.8% | 41.8% | 42.9% | 43.9% | 45.2% | 39.8% | 6.2% | 39.2% | 43.7% | 42.5% | 37.5% |
| Net Profit Margin | 33.4% | 33.4% | 34.2% | 35.6% | 36.2% | 32.4% | 6.2% | 32.8% | 37.4% | 25.9% | 27.7% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 |
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | 2.7% | 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% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.0% | 8.9% | 8.9% | 11.2% | 10.1% | 8.9% | 2.1% | 6.2% | 8.0% | 5.2% | 5.2% |
| FCF Yield | 9.5% | 8.5% | 11.6% | 12.8% | 17.7% | 17.2% | 4.8% | 8.4% | 9.4% | 7.9% | 6.8% |
| Buyback Yield | 2.1% | 2.5% | 0.1% | 1.6% | 0.6% | 0.1% | 1.4% | 1.2% | 1.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.8% | 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 |
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying STBA stock.
S&T Bancorp, Inc.'s current P/E ratio is 12.5x. The historical average is 16.6x. This places it at the 21th percentile of its historical range.
S&T Bancorp, Inc.'s current EV/EBITDA is 9.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
S&T Bancorp, Inc.'s return on equity (ROE) is 9.4%. The historical average is 11.7%.
Based on historical data, S&T Bancorp, Inc. is trading at a P/E of 12.5x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
S&T Bancorp, Inc.'s current dividend yield is 2.71% with a payout ratio of 39.4%.
S&T Bancorp, Inc. has 98.2% gross margin and 41.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
S&T Bancorp, Inc.'s Debt/EBITDA ratio is 1.8x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.
Key Metrics
Top Statement Risk
Commercial real estate concentration exposure
Metrics are mathematically derived from official filings.
Discount Multiple Reflects Modest Return Profile
Based on the supplied valuation metrics, STBA trades at a P/B of 1.34 and a forward P/E of 12.37, a discount to several regional peers that suggests the market prices the franchise as a commodity balance sheet rather than a premium deposit franchise.
A P/B of 1.34 paired with ROE near 2.4% in the ratio data implies the market is paying for book value at a level that only makes sense if returns on tangible equity improve materially from current levels. The PEG of 0.32 looks attractive on the surface, but it rests on earnings growth assumptions that the reported 4.7% TTM revenue growth has not yet proven sustainable. Investors should monitor whether the forward multiple compresses further as the market re-rates the bank's earnings durability relative to peers such as FULT and NBTB.
ROE Constrained by Thin Earnings Leverage
As reported in the quarterly ratio data, STBA's ROE has held in a narrow 2.2% to 2.7% band over ten quarters while ROA stayed near 0.3% to 0.4%, indicating returns are driven by a conservative equity base rather than operating leverage.
The DuPont structure shows that with equity-to-assets near 0.14 to 0.15, the bank's ROE is largely a function of ROA multiplied by a low leverage factor, which mechanically caps returns relative to peers such as WSFS (12.4%) and FULT (11.4%). Stable net interest margin near 0.9% offers limited room for expansion without a shift in asset mix. Investors should monitor whether fee income contribution, currently around 13% of revenue, can rise enough to lift returns without adding balance sheet risk.
Efficiency Gains Offset Flat Margins
Based on STBA's reported figures, the efficiency ratio improved from 58.8% in 2025Q1 to 53.5% in 2026Q3 while net interest margin held flat near 0.9%, suggesting cost discipline rather than margin expansion is driving the recent earnings recovery.
Flat NIM across all ten quarters indicates the bank has not captured meaningful asset repricing benefit, so the improvement in operating leverage appears to come from slower expense growth relative to revenue. The efficiency ratio swung between 53.5% and 66.1% across the period, which suggests quarterly results remain sensitive to provisioning and one-time items. Investors should monitor whether efficiency can hold below 55% without sacrificing growth investment.
Equity Cushion Supports Capital Flexibility
According to recent SEC filings, STBA's equity-to-assets ratio of roughly 0.14 and modest dividend yield of 2.7% suggest capital capacity exists, though CET1, Tier 1, and total capital ratios are not disclosed in the supplied data.
The absence of regulatory capital ratios in the provided data means capacity for capital return cannot be measured directly against regulatory minimums, which limits confidence in the buyback pattern seen in 2026Q1. The stable dividend of roughly $12.6M to $13.6M per quarter appears well covered by operating cash flow in most periods. Investors should obtain CET1 and AOCI-adjusted capital ratios before concluding on repurchase capacity.
Provision Swings May Distort Efficiency Reading
As reported in financial statements, STBA's provision expense moved from a $3.0M release in 2025Q1 to a $5.7M build in 2025Q4, meaning headline efficiency and ROE comparisons may be distorted by reserve timing rather than underlying operating performance.
P/E is the metric most commonly misapplied to this bank because provision volatility can swing reported earnings materially without reflecting changes in core earnings power, making a trailing P/E of 14.55 less reliable than P/TBV or normalized ROTCE. A pre-provision net revenue based valuation, or ROTCE adjusted for reserve builds and releases, would better isolate franchise economics. Investors should anchor on P/TBV and normalized returns rather than the headline P/E.