Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.51 | 11.09 | 12.27 | 11.13 | 11.05 | 10.33 | 11.39 | 10.65 | 11.11 | 12.34 | 9.38 | 9.90 | 8.70 | 7.78 | 7.64 | 7.71 | 8.30 | 7.71 | 9.27 | 9.99 | 13.82 |
| — | +7.4% | +7.7% | +4.5% | -0.5% | -16.3% | +21.5% | +7.5% | +27.7% | +58.6% | +22.8% | +28.4% | +4.9% | +0.9% | -17.6% | -22.9% | -40.0% | -26.7% | -14.7% | -3.3% | +38.0% | |
| P/S Ratio | 4.42 | 3.99 | 4.97 | 3.81 | 3.56 | 3.52 | 3.65 | 3.81 | 3.91 | 4.20 | 3.32 | 3.20 | 3.11 | 2.61 | 2.57 | 3.00 | 3.16 | 2.90 | 3.05 | 3.48 | 3.67 |
| — | +13.2% | +36.1% | -0.1% | -8.8% | -16.1% | +10.0% | +19.2% | +25.7% | +61.1% | +29.4% | +6.5% | -1.7% | -10.0% | -16.0% | -13.8% | -13.8% | -14.9% | -16.3% | -6.3% | +28.6% | |
| P/B Ratio | 1.34 | 1.22 | 1.28 | 1.09 | 1.03 | 0.98 | 1.01 | 1.01 | 1.07 | 1.18 | 0.97 | 0.95 | 1.00 | 0.85 | 0.87 | 1.00 | 1.12 | 0.99 | 0.91 | 0.98 | 1.03 |
| — | +24.2% | +26.5% | +7.8% | -4.0% | -16.4% | +3.8% | +6.0% | +6.9% | +38.6% | +12.5% | -4.7% | -11.1% | -14.3% | -4.9% | +2.3% | +9.3% | +3.4% | -11.5% | -12.8% | +21.6% | |
| P/FCF | 10.47 | 6.45 | 16.65 | 9.36 | 10.48 | 8.36 | 13.48 | 13.26 | 6.83 | 15.09 | 7.33 | 6.74 | 8.34 | 4.67 | 6.99 | 7.16 | 9.73 | 5.64 | 4.07 | 3.36 | 7.23 |
| — | -22.9% | +23.5% | -29.4% | +53.3% | -44.6% | +84.0% | +96.8% | -18.1% | +223.2% | +4.8% | -5.9% | -14.2% | -17.3% | +71.6% | +112.8% | +34.5% | -14.7% | -51.0% | -8.0% | +64.2% | |
| EV / EBITDA | 9.48 | 4.99 | 15.14 | 9.32 | 9.71 | 8.50 | 9.43 | 8.47 | 8.95 | 10.43 | 8.19 | 8.93 | 8.43 | 9.20 | 8.58 | 7.83 | 7.76 | 5.99 | 5.83 | 3.32 | 4.40 |
| — | -41.3% | +60.5% | +10.0% | +8.6% | -18.5% | +15.2% | -5.1% | +6.1% | +13.4% | -4.6% | +14.0% | +8.6% | +53.7% | +47.2% | +135.6% | +76.3% | +116.0% | +109.7% | -34.1% | -38.5% | |
| EV / EBIT | 11.54 | 4.99 | 15.14 | 9.32 | 9.71 | 8.50 | 9.43 | 8.47 | 8.95 | 10.43 | 8.19 | 8.93 | 8.43 | 9.20 | 8.58 | 7.83 | 7.76 | 5.99 | 5.83 | 3.32 | 4.40 |
| — | -41.3% | +60.5% | +10.0% | +8.6% | -18.5% | +15.2% | -5.1% | +6.1% | +13.4% | -4.6% | +14.0% | +8.6% | +53.7% | +47.2% | +135.6% | +76.3% | +116.0% | +109.7% | -34.1% | -46.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.2% | 98.7% | 100.0% | 98.7% | 94.6% | 97.3% | 98.0% | 103.2% | 102.6% | 100.5% | 99.6% | 97.3% | 99.1% | 94.5% | 89.7% | 99.1% | 97.0% | 97.5% | 96.4% | 100.6% | 91.6% |
| — | +1.4% | +2.0% | -4.4% | -7.8% | -3.2% | -1.5% | +6.1% | +3.6% | +6.3% | +11.0% | -1.8% | +2.2% | -3.1% | -6.9% | -1.5% | +5.9% | +1.5% | -0.6% | +4.3% | -0.1% | |
| Operating Margin | 41.8% | 45.2% | 33.9% | 43.1% | 40.3% | 42.6% | 40.0% | 44.5% | 43.8% | 43.0% | 44.2% | 40.7% | 44.6% | 41.4% | 41.2% | 48.4% | 47.7% | 47.1% | 41.2% | 43.5% | 32.2% |
| — | +6.2% | -15.3% | -3.0% | -8.1% | -1.1% | -9.7% | +9.4% | -1.7% | +3.8% | +7.4% | -16.0% | -6.6% | -12.0% | -0.0% | +11.4% | +48.2% | +17.4% | -2.3% | -2.5% | -7.8% | |
| Net Margin | 33.4% | 35.8% | 40.5% | 34.4% | 32.3% | 33.9% | 31.9% | 35.6% | 35.1% | 33.8% | 35.5% | 32.4% | 35.9% | 33.6% | 33.7% | 39.0% | 38.3% | 37.8% | 32.9% | 35.1% | 26.6% |
| — | +5.5% | +27.2% | -3.6% | -8.0% | +0.4% | -10.1% | +9.8% | -2.4% | +0.6% | +5.3% | -16.9% | -6.1% | -11.1% | +2.5% | +11.1% | +43.9% | +15.8% | -3.0% | -3.2% | -5.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 2.7% | 2.6% | 2.4% | 2.3% | 2.4% | 2.2% | 2.4% | 2.4% | 2.4% | 2.6% | 2.4% | 3.0% | 2.7% | 2.8% | 3.3% | 3.4% | 3.2% | 2.4% | 2.4% | 1.9% |
| — | +14.7% | +16.0% | +1.5% | -3.7% | -0.9% | -15.2% | -1.5% | -18.8% | -12.0% | -7.0% | -26.6% | -14.2% | -14.0% | +15.6% | +35.4% | +84.5% | +38.4% | +1.5% | -11.3% | -11.3% | |
| ROA | 1.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.2% |
| — | +9.3% | +12.8% | +2.7% | +0.4% | +5.1% | -8.9% | +5.3% | -11.8% | -5.2% | -4.1% | -24.7% | -12.7% | -13.4% | +20.0% | +41.2% | +87.9% | +41.6% | +3.3% | -11.6% | -10.8% | |
| ROIC | 7.4% | 2.2% | 1.4% | 2.0% | 1.8% | 1.9% | 1.8% | 1.9% | 1.9% | 1.8% | 1.9% | 1.7% | 1.9% | 1.6% | 1.7% | 2.2% | 2.6% | 2.7% | 2.1% | 2.0% | 1.5% |
| — | +14.7% | -22.3% | +2.1% | -1.5% | +5.5% | -5.5% | +13.4% | +0.2% | +11.7% | +10.0% | -21.6% | -29.2% | -40.0% | -15.7% | +8.2% | +74.8% | +45.1% | +4.1% | -7.8% | -7.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.15 | 0.20 | 0.11 | 0.21 | 0.16 | 0.17 | 0.14 | 0.18 | 0.25 | 0.28 | 0.29 | 0.39 | 0.59 | 0.51 | 0.46 | 0.37 | 0.09 | 0.10 | 0.12 | 0.13 |
| — | -4.1% | +13.2% | -23.7% | +17.1% | -35.2% | -37.0% | -52.2% | -53.8% | -58.1% | -46.5% | -37.2% | +5.8% | +549.5% | +424.1% | +271.1% | +177.3% | -31.8% | -25.0% | -6.6% | -32.3% | |
| Debt / EBITDA | 1.78 | 2.46 | 8.99 | 3.41 | 7.33 | 5.37 | 6.26 | 4.68 | 6.05 | 8.17 | 8.48 | 9.54 | 10.94 | 17.42 | 14.80 | 11.43 | 8.74 | 2.25 | 3.20 | 4.07 | 5.93 |
| — | -54.1% | +43.7% | -27.1% | +21.1% | -34.3% | -26.2% | -50.9% | -44.7% | -53.1% | -42.7% | -16.5% | +25.2% | +675.3% | +363.2% | +180.9% | +47.5% | -52.2% | -27.5% | +3.0% | -11.5% | |
| Current Ratio | 6.98 | 0.14 | 1.09 | 1.97 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.16 | 0.15 | 0.18 | 0.23 | 0.23 |
| — | -3.7% | +618.0% | +1183.5% | +4390.7% | -5.5% | -1.4% | +2.5% | +2.4% | +3.5% | -1.5% | -8.1% | -5.1% | +0.0% | -15.4% | -29.5% | -29.6% | -32.5% | -18.2% | +23.0% | +70.9% | |
| Quick Ratio | 6.98 | 0.14 | 1.09 | 1.97 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.16 | 0.15 | 0.18 | 0.23 | 0.23 |
| — | -3.7% | +618.0% | +1183.5% | +4390.7% | -5.5% | -1.4% | +2.5% | +2.4% | +3.5% | -1.5% | -8.1% | -5.1% | +0.0% | -15.4% | -29.5% | -29.6% | -32.5% | -18.2% | +23.0% | +70.9% | |
| Interest Coverage | 1.01 | 2.26 | 0.81 | 1.16 | 1.06 | 1.03 | 0.94 | 1.00 | 0.93 | 0.88 | 0.95 | 0.88 | 1.11 | 1.16 | 1.44 | 2.23 | 3.70 | 7.69 | 15.05 | 15.18 | 10.09 |
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Includes 30+ ratios · 48 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 is 12.5x. The average P/E over the last 4 quarters is 11.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
S&T Bancorp, Inc.'s current operating margin is 41.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking S&T Bancorp, Inc.'s business trajectory between earnings reports.