STBA
Financial ServicesS&T Bancorp, Inc. · Banks - Regional · $2B
What is S&T Bancorp, Inc.?
S&T Bancorp is a Pennsylvania-based bank holding company serving retail and commercial customers across the mid-Atlantic and Ohio regions. Its primary subsidiary, S&T Bank, has operated for well over a century.
S&T Bancorp generates revenue through traditional banking activities — accepting deposits and extending loans across commercial real estate, commercial and industrial, business banking, construction, and consumer segments. Beyond lending, the bank earns fee income from cash management, trust and brokerage services, private investment account management, and insurance product distribution including life, disability, credit life, and title insurance.
S&T Bancorp was founded in 1902 and is headquartered in Indiana, Pennsylvania.
- Commercial and consumer lending
- Cash management and treasury services
- Trust, brokerage, and private investment management
- Insurance distribution and title agency services
Is STBA a Good Stock to Buy?
UQS Score rates STBA as Below Average overall, reflecting meaningful headwinds across several key dimensions.
The Quality and Risk pillars both register as Good, suggesting the bank maintains reasonable operational discipline and a manageable risk profile relative to small-cap regional peers. The Valuation pillar also reads as Good, indicating the stock does not appear richly priced relative to fundamentals.
Both the Moat and Growth pillars are rated Weak, pointing to limited competitive differentiation and constrained expansion prospects — common challenges for smaller regional banks in competitive markets.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does STBA pay dividends?
Yes — S&T Bancorp, Inc. pays a dividend.
S&T Bancorp pays a regular dividend, consistent with the income-oriented tradition of established regional banks. For investors seeking yield alongside capital preservation, the dividend adds a tangible return component. The bank's multi-decade operating history supports its ability to sustain distributions, though dividend continuity always depends on earnings and regulatory capital conditions.
When does STBA report earnings?
S&T Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the broader pressures facing regional lenders — including net interest margin dynamics and credit quality trends. Growth metrics have remained subdued relative to sector peers, consistent with the Weak Growth pillar rating.
For the most recent quarter's results and guidance, visit S&T Bancorp's investor relations page directly.
STBA Price History
+53.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in S&T Bancorp, Inc.?
Based on S&T Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
STBA Long-term Outlook
The fundamental outlook for STBA is cautious. A Weak Growth pillar suggests limited near-term revenue acceleration, while the Good Risk rating indicates the bank is not exposed to outsized credit or operational hazards. The Good Valuation pillar means downside from multiple compression may be limited, but meaningful upside likely depends on improving the bank's competitive positioning.
Growth drivers
- Potential loan growth in commercial real estate and business banking segments
- Fee income expansion through trust, brokerage, and insurance services
- Operational efficiency improvements in a stabilizing rate environment
Key risks
- Weak competitive moat in a crowded regional banking landscape
- Subdued organic growth trajectory limiting earnings momentum
- Interest rate sensitivity affecting net interest income
STBA vs Peers
S&T Bancorp competes with other small-cap regional banks, each with distinct geographic footprints and business mixes.
Dime Community focuses primarily on the New York metro market, giving it a different deposit and loan mix compared to S&T's Pennsylvania and Ohio footprint.
National Bank Holdings operates across Mountain West and Sun Belt markets, offering geographic diversification that contrasts with STBA's concentrated mid-Atlantic presence.
Hope Bancorp serves Korean-American business communities across major US cities, representing a niche community banking model distinct from S&T's broader regional approach.
Frequently Asked Questions
What does S&T Bancorp do?
S&T Bancorp is the holding company for S&T Bank, which provides retail and commercial banking services across Western and Eastern Pennsylvania, Northeast and Central Ohio, and Upstate New York. It offers loans, deposits, cash management, trust services, private investment management, and insurance products through over 70 branch locations.
Does STBA pay dividends?
Yes, S&T Bancorp pays a regular dividend. The company has a long operating history and follows the income-oriented tradition common among established regional banks. Investors should verify current dividend details and payment schedules through S&T Bancorp's investor relations page, as amounts can change.
When does STBA report earnings?
S&T Bancorp reports earnings quarterly, in line with standard practice for US-listed bank holding companies. For exact release dates and scheduled calls, check S&T Bancorp's investor relations page, as our data source does not cover upcoming earnings dates.
Is STBA a good stock to buy?
UQS Score rates STBA as Below Average overall. The Quality, Risk, and Valuation pillars are rated Good, but both the Moat and Growth pillars are Weak. Whether STBA fits your portfolio depends on your income needs, risk tolerance, and view on regional banking. The full pillar breakdown is available to UQS Pro members.
Is STBA overvalued?
The UQS Valuation pillar for STBA is rated Good, suggesting the stock does not appear richly priced relative to its fundamentals. For investors focused on value, this may be a constructive signal — though valuation alone does not offset the Weak Moat and Growth ratings.
How does STBA compare to its competitors?
Compared to peers like Dime Community Bancshares, National Bank Holdings, and Hope Bancorp, S&T Bancorp occupies a traditional regional banking niche in the mid-Atlantic and Ohio markets. Each competitor has a distinct geographic or community focus. UQS Pro members can view side-by-side pillar comparisons across these peers.
What is STBA's market cap bracket?
STBA is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but also carries liquidity and competitive scale considerations relative to larger banking institutions.
Who founded S&T Bancorp?
S&T Bancorp traces its origins to 1902, making it one of the longer-established community banking institutions in Pennsylvania. Detailed founding history is publicly available through the company's official website and investor relations materials.
Is STBA a long-term quality investment?
As a long-term quality indicator, STBA's UQS profile is mixed. The Good Quality and Risk ratings suggest operational stability, but the Weak Moat and Growth pillars raise questions about the bank's ability to compound value over time. Long-term investors should weigh the dividend income against limited growth prospects.
What is the main competitive advantage of S&T Bancorp?
S&T Bancorp's primary advantages are its deep community roots, multi-decade operating history, and diversified service offerings spanning lending, trust, and insurance. However, the UQS Moat pillar is rated Weak, indicating these advantages may not translate into durable pricing power relative to regional banking peers.
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Pro Analysis
STBA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 48.6 | 79.0 | 21.0 | 13.5 | 57.8 | 81.4 | -2.0 |
| May 7, 2026 | 50.6 | 78.6 | 21.0 | 13.5 | 72.7 | 80.2 | 0.0 |
| May 3, 2026 | 50.6 | 78.6 | 21.0 | 13.5 | 72.7 | 80.5 | -0.2 |
| May 2, 2026 | 50.8 | 78.6 | 21.0 | 13.5 | 72.7 | 81.6 | +0.2 |
| Apr 26, 2026 | 50.6 | 78.6 | 21.0 | 13.3 | 72.7 | 81.0 | +0.1 |
| Apr 25, 2026 | 50.5 | 78.6 | 21.0 | 13.3 | 72.7 | 79.8 | +0.2 |
| Apr 19, 2026 | 50.3 | 78.6 | 21.0 | 13.1 | 72.7 | 79.2 | -0.1 |
| Apr 18, 2026 | 50.4 | 78.6 | 21.0 | 13.1 | 72.7 | 79.7 | -0.6 |
| Apr 14, 2026 | 51.0 | 78.6 | 21.0 | 13.1 | 72.7 | 84.0 | 0.0 |
| Apr 12, 2026 | 51.0 | 78.6 | 21.0 | 13.1 | 72.7 | 83.8 | -0.3 |
STBA — Pillar Breakdown
Quality
— 79.0/100 (25%)S&T Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 13.5/100 (20%)S&T Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 57.8/100 (15%)S&T Bancorp, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 81.4/100 (15%)S&T Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 21/100 (25%)S&T Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for STBA.
Score Composition
Financial Data
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How is the STBA UQS Score Calculated?
The UQS (Unified Quality Score) for S&T Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses S&T Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether S&T Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.