S&T Bancorp Inc. Common Stock (STBA)

FairStock Score: 55/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-style investor, I start with the bank's economics. S&T Bancorp is a $1.7B regional bank in Pennsylvania and Ohio. FairStock's data show a P/E of 12.79 and P/B of 1.21 at the 2026-10-13 close of $48.09, with ROE of 9.87%. That is a fair price for a bank earning less than 10% on equity—not a bargain, not outlandish. The 3.08% dividend yield and beta of 0.84 add some appeal for a steady institution. Earnings have been consistent at the quarterly level. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $36.6M and diluted EPS $1.02; that was up from $31.9M and $0.83 in fiscal Q2 2025. Sequential net income has risen from $35.0M in fiscal Q3 2025 to $35.1M in fiscal Q1 2026 to $36.6M in fiscal Q2 2026. But annual figures are less dynamic: FY2025 net income was $134.2M, FY2024 $131.3M, and FY2023 $144.8M. Profit growth of 5% and revenue growth of 8.88% are decent, not explosive. FairStock's Lynch rule labels it a STALWART, citing 44.9% annual profit growth over five years, but the recent PEG of 2.56 warns that today's price may already reflect much of that. The big gap is bank-specific risk data. CET1 capital, net interest margin, and combined ratio are not provided, and credit metrics are also absent. Piotroski F-Score of 5/9 is mediocre. Without underwriting and capital detail, I cannot call this a high-conviction bank. It looks like a fair, steady regional bank, not a fat pitch.

In plain English: S&T Bancorp is a regional bank holding company that takes deposits and makes loans in Pennsylvania and Ohio. Its profits have been steady and it pays a dividend, but the returns are only moderate and important details about loan safety and capital are missing. At the latest close, the stock looks roughly fairly priced compared with its profits and asset value, not clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer