Is S and T Bancorp (STBA) overvalued or fairly valued?

MarketChacha shows S and T Bancorp's valuation in context — a trailing P/E of about 13.9, a forward P/E of about 12.9, a price-to-book of about 1.3 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does S and T Bancorp's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.17×) from reported figures — education, not a rating.

What is the share price of S and T Bancorp (STBA)?

S and T Bancorp last traded at $49.33 (-1.1% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

S and T Bancorp

STBA · NYSE · Financials · United States

$49.33-1.1%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:26 PM

Snapshot

TickerSTBA

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,209

HeadquartersIndiana, United States

Market cap$1.8B

P/E (TTM)13.9

P/B1.3

Volume175.96K

Websitewww.stbancorp.com

Filings tracked8

About S and T Bancorp

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company also manages private investment accounts for individuals and institutions. In addition, it engages in non-banking activities; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.6%
Institutions74.6%
Public & other23.8%

330 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.91%
Vanguard Portfolio Management LLC6.77%
Dimensional Fund Advisors LP6.52%
State Street Corporation4.93%
Vanguard Capital Management LLC4.63%
Charles Schwab Investment Management, Inc.3.72%
Geode Capital Management, LLC2.67%
American Century Companies Inc1.87%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.17×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $106.3M · EPS 0.94

Est. earnings growth +3.1%

Next fiscal year

Rev $435.1M · EPS 3.81

Est. earnings growth +1.9%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$34.0152-wk range$51.01

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.8B

Day change

-1.1%

P/E (TTM)

13.9

Fwd P/E

12.9

P/B

1.3

Div yield

2.97%

Beta

0.83

ROE

9.2%

Profit CAGR (2y)

-3.7%

EPS (FY2025)

3.49

Net profit (FY2025)

$134.2M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about STBA

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$134.2M	3.49	9.2%
FY2024	$131.3M	3.41	9.5%
FY2023	$144.8M	3.74	11.3%

Quarterly

Period	Net profit	EPS
2026Q1	$35.1M	0.94
2025Q3	$35.0M	0.91
2025Q2	$31.9M	0.83
2025Q1	$33.4M	0.87
2024Q3	$32.6M	0.85
2024Q2	$34.4M	0.89
2024Q1	$31.2M	0.81
2023Q3	$33.5M	0.87
2023Q2	$34.5M	0.89
2023Q1	$39.8M	1.02

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Shareholder vote results, Other events
SEC5/15/2026material
8-K/A — Executive/director change
SEC5/15/2026
8-K — Bylaw/charter change
SEC5/15/2026material
10-Q filing
SEC5/8/2026
8-K — Reg FD disclosure, Exhibits
SEC5/4/2026material
8-K — Other events, Exhibits
SEC4/29/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/23/2026material
8-K — Executive/director change, Exhibits
SEC4/7/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.