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S&T Bancorp, Inc. (STBA) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $44.27, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area.

S&T Bancorp is a Pennsylvania-chartered bank holding company ($9.9B assets) with 72 branches in PA and OH, providing commercial, consumer, and small-business banking plus wealth management. Primary regulators are the FDIC and Pennsylvania Department of Banking and Securities.

$44.27-0.9% A.UpsideScore 5.0/10#131 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield3.34%(5y avg 3.74%)Payout39.33%sustainable
Stop $42.61Target $43.89(resistance)A.R:R -2.0:1
Analyst target$45.67+3.2%6 analysts
$43.89our TP
$44.27price
$45.67mean
$48

Hold if already holding. Not a fresh buy at $44.27, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.0/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val6.7Qual5.3Grw3.5Mom4.1Sent5.2Ins5.0Peer3.9Tech4.4Risk6.65.0OVERALL

Recent Developments — S&T Bancorp, Inc.

Latest news

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Risks
Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction)
Concentration risk — Geographic: Pennsylvania and Ohio market area
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)12.4
P/E (Fwd)11.6
Mkt Cap$1.6B
EV/EBITDA—
Profit Mgn34.1%
ROE9.5%
Rev Growth4.1%
Beta0.85
Dividend3.34%
Rating analysts13

Quality Signals

Piotroski F8/9

Options Flow

IV45%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial loans (C&I, CRE, and construction)
    10-K Item 1A: 'The majority of our loans are to commercial borrowers including C&I, Commercial Real Estate, or CRE, and construction loans.'
  • HIGHGeographicPennsylvania and Ohio market area
    10-K Item 1A: 'Our loan portfolio is concentrated within our market area, and our lack of geographic diversification increases our risk profile.'

Material Events(8-K, last 90d)

  • 2026-04-07Item 5.02LOW
    Amended employment agreement with CEO Christopher McComish effective January 1, 2026, four-year term with $785,000 minimum base salary and 67% target annual bonus. No officer departure.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Revenue Growth
3.5
Earnings Growth
3.6

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
1.5
Value Rank
3.8
Quality Rank
5.4
GatesMomentum 4.1<4.5A.R:R -2.0=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 64d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
52 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $42.06Resistance $44.79

Price Targets

$43
$44
A.Upside-0.9%
A.R:R-2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-10.3% upside)
! Momentum score 4.1/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (64d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is STBA stock a buy right now?

Hold if already holding. Not a fresh buy at $44.27, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $43.89 (-0.9%), stop $42.61 (−3.9%), A.R:R -2.0:1. Score 5.0/10, moderate confidence.

What is the STBA stock price target?

Take-profit target: $43.89 (-0.9% upside). Target $43.89 (-0.9%), stop $42.61 (−3.9%), A.R:R -2.0:1. Stop-loss: $42.61.

What are the risks of investing in STBA?

Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area; Analyst target reached - limited upside remaining.

Is STBA overvalued or undervalued?

S&T Bancorp, Inc. trades at a P/E of 12.4 (forward 11.6). TrendMatrix value score: 6.7/10. Verdict: Hold.

What do analysts say about STBA?

13 analysts cover STBA with a consensus score of 3.6/5. Average price target: $46.

What does S&T Bancorp, Inc. do?S&T Bancorp is a Pennsylvania-chartered bank holding company ($9.9B assets) with 72 branches in PA and OH, providing...

S&T Bancorp is a Pennsylvania-chartered bank holding company ($9.9B assets) with 72 branches in PA and OH, providing commercial, consumer, and small-business banking plus wealth management. Primary regulators are the FDIC and Pennsylvania Department of Banking and Securities.

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