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 13.7, a forward P/E of about 12.6, 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 $50.64 (+1.1% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

S and T Bancorp

STBA · NYSE · Financials · United States

Snapshot

TickerSTBA

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,209

HeadquartersIndiana, United States

Websitewww.stbancorp.com

Filings tracked25

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.

Who owns it

Insiders1.6%
Institutions75.9%
Public & other22.6%

345 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.62%
Vanguard Portfolio Management LLC6.79%
Dimensional Fund Advisors LP6.59%
State Street Corporation5.31%
Vanguard Capital Management LLC4.59%
Charles Schwab Investment Management, Inc.3.94%
Geode Capital Management, LLC2.79%
American Century Companies Inc1.89%

Largest institutional holders — last updated 6/30/2026.

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 $107.9M · EPS 1.00

Est. earnings growth +12.2%

Next fiscal year

Rev $437.4M · EPS 3.99

Est. earnings growth +1.3%

Analyst consensus estimates — not the company's own guidance.

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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

ROE

9.2%

Profit CAGR (2y)

-3.7%

EPS (FY2025)

3.49

Net profit (FY2025)

$134.2M

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
2026Q2	$36.6M	1.02
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

10-Q filing
SEC8/6/2026
8-K — Other events, Exhibits
SEC8/5/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/27/2026material
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC7/23/2026material
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
10-K filing
SEC2/27/2026
8-K — Reg FD disclosure, Exhibits
SEC2/11/2026material
8-K — Bylaw/charter change, Other events, Exhibits
SEC2/2/2026material
8-K — Other events, Exhibits
SEC1/28/2026material
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC1/22/2026material

2025

10-Q filing
SEC11/6/2025
8-K — Reg FD disclosure, Exhibits
SEC11/4/2025material
8-K — Executive/director change, Exhibits
SEC10/30/2025material
8-K — Other events, Exhibits
SEC10/29/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/23/2025material
8-K — Executive/director change, Reg FD disclosure, Other events, Exhibits
SEC9/24/2025material
8-K — Reg FD disclosure
SEC8/29/2025material
10-Q filing
SEC8/7/2025

In the news

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