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S&T Bancorp, Inc. STBA | NASDAQ

$48.92 $0.39 | 0.80%

TREND SIGNAL: Signal available — unlock to view

Signal available — unlock to view

|2026-09-01

Next Earnings: Oct 22, 2026

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Company Overview:

Market Cap: $1.79B

Trailing PE: 13.1x

FWD PE *: 12.3x

Payout Ratio (TTM): 38.0%

52-Week Range: $34.38 - $53.50

* Forward PE is based on street estimates.

10 Year STBA Performance Metrics:

Total Return (with DRIP): 141.2% (9.21% CAGR)

Total Return (no DRIP): 113.7% (7.89% CAGR)

Share Price: 74.6% (5.73% CAGR)

Yield on Cost (with DRIP): 7.30%

Total Invested: $10,000

Total Value (with DRIP): $24,124

Total Return $ (with DRIP): $14,124

Dividend Increase: 85.0% (6.48% CAGR)

Dividend Yield (FWD): 3.03% ($1.48)

STBA 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

STBA Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

STBA Price CAGR:1Y: 41.18%2Y: 7.67%5Y: 10.07%10Y: 5.73%

STBA Dividend Charts

STBA - Dividends

STBA Dividend CAGR:1Y: 8.82%2Y: 5.89%5Y: 5.73%10Y: 6.89%

STBA - Dividend Payout Ratio

STBA Dividend Payout Ratio CAGR:1Y: -11.87%2Y: -0.78%5Y: -1.23%10Y: -0.62%

STBA - Dividend to Free Cash Flow Ratio

STBA Dividend to FCF Ratio CAGR:1Y: 1.74%2Y: 30.74%5Y: 10.62%10Y: 2.70%

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STBA Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

STBA - Revenue

STBA Revenue CAGR:1Y: -10.07%2Y: -5.06%5Y: 9.35%10Y: 7.50%

STBA - Earnings Per Share (EPS)

STBA EPS CAGR:1Y: 20.48%2Y: 6.00%5Y: 6.79%10Y: 7.39%

STBA - Net Income

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STBA Net Income CAGR:1Y: 14.87%2Y: 3.25%5Y: 5.25%10Y: 7.95%

STBA - EBITDA

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STBA EBITDA CAGR:1Y: -23.46%2Y: -15.51%5Y: -4.54%10Y: 0.31%

STBA - Free Cash Flow

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STBA Free Cash Flow CAGR:1Y: -0.50%2Y: -21.64%5Y: -6.03%10Y: 4.45%

STBA - Free Cash Flow / Share

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STBA Free Cash Flow / Share CAGR:1Y: 4.96%2Y: -19.94%5Y: -4.80%10Y: 3.89%

STBA - Operating Income

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STBA Operating Income CAGR:1Y: -23.46%2Y: -15.51%5Y: -4.54%10Y: 0.65%

STBA - Gross Profit

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STBA Gross Profit CAGR:1Y: -7.87%2Y: -3.21%5Y: 1.99%10Y: 3.81%

STBA - Shares Outstanding

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STBA Shares Outstanding CAGR:1Y: -5.30%2Y: -2.55%5Y: -1.29%10Y: 0.47%

STBA - Share Buybacks

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STBA Share Buybacks CAGR:1Y: 3,082.81%2Y: 699.72%5Y: 209.70%10Y: 82.52%

STBA - Stock-Based Comp

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STBA Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

STBA - Expenses

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STBA Expenses CAGR:1Y: -28.82%2Y: -1.67%5Y: -5.35%10Y: -0.52%

STBA - Revenue vs Net Income

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STBA - EPS vs FCF / Share

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STBA - EPS vs PE Ratio

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STBA - FCF vs FCF / Share

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STBA - FCF vs Stock Based Comp

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STBA - Cash & Debt

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STBA - Revenue by Segment

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STBA Revenue CAGR:1Y: -10.07%2Y: -5.06%5Y: 9.35%10Y: 7.50%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

STBA - REVENUE: Actual + Estimates

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STBA Actual Revenue CAGR:1Y: -10.07%2Y: -5.06%5Y: 9.35%10Y: 7.50%

STBA - EPS: Actual + Estimates

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STBA Actual EPS CAGR:1Y: 20.48%2Y: 6.00%5Y: 6.79%10Y: 7.39%

STBA - NET INCOME: Actual + Estimates

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STBA Actual Net Income CAGR:1Y: 14.87%2Y: 3.25%5Y: 5.25%10Y: 7.95%

STBA - EBITDA: Actual + Estimates

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STBA Actual EBITDA CAGR:1Y: -23.46%2Y: -15.51%5Y: -4.54%10Y: 0.31%

Ratios, Profit Margins & Return on Capital:

STBA - Net Profit Margin

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STBA Net Profit Margin CAGR:1Y: 27.72%2Y: 8.75%5Y: -3.75%10Y: 0.41%

STBA - Gross Profit Margin

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STBA Gross Profit Margin CAGR:1Y: 2.45%2Y: 1.95%5Y: -6.73%10Y: -3.42%

STBA - Price to Earnings

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STBA Price to Earnings CAGR:1Y: 7.71%2Y: 15.48%5Y: 2.64%10Y: -0.13%

STBA - Price To Sales Ratio

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STBA Price To Sales Ratio CAGR:1Y: 36.80%2Y: 25.50%5Y: -1.23%10Y: 0.28%

STBA - Return on Capital Employed

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STBA Return on Capital Employed CAGR:1Y: -86.34%2Y: -64.92%5Y: -21.21%10Y: -3.92%

STBA - Return on Invested Capital

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STBA Return on Invested Capital CAGR:1Y: -85.31%2Y: -62.44%5Y: -35.97%10Y: -16.53%

STBA Dividends Info:

Annual Dividend: $1.48

Forward Yield: 3.03%

Ex-Dividend Date: 2026-08-18

Lifetime Dividends / Share: $29.73

STBA Dividend History: Dates, Payments & Yield list

Below is a schedule of all STBA dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/18/2026	08/20/2026	$0.370	2.92%	2.95%	$50.20
05/14/2026	05/18/2026	$0.370	3.38%	3.34%	$44.27
02/12/2026	02/16/2026	$0.360	3.32%	3.27%	$43.97
11/13/2025	11/17/2025	$0.360	3.74%	3.89%	$36.98
08/14/2025	08/18/2025	$0.340	3.57%	3.63%	$37.46
05/15/2025	05/19/2025	$0.340	3.53%	3.55%	$38.28
02/13/2025	02/17/2025	$0.340	3.43%	3.42%	$39.80
11/07/2024	11/11/2024	$0.340	3.27%	3.13%	$43.41
08/08/2024	08/12/2024	$0.330	3.3%	3.38%	$39.10
05/08/2024	05/10/2024	$0.330	4.17%	4.14%	$31.88
02/07/2024	02/09/2024	$0.330	4.26%	4.14%	$31.89
11/08/2023	11/10/2023	$0.330	4.86%	4.93%	$26.80
08/09/2023	08/11/2023	$0.320	4.12%	4.12%	$31.08
05/10/2023	05/12/2023	$0.320	4.92%	4.94%	$25.89
02/09/2023	02/13/2023	$0.320	3.44%	3.38%	$37.89
11/02/2022	11/17/2022	$0.310	3.39%	3.32%	$37.33
08/03/2022	08/18/2022	$0.300	3.95%	3.71%	$32.32
05/04/2022	05/19/2022	$0.300	4.11%	4.37%	$27.47
02/09/2022	02/24/2022	$0.290	3.73%	3.84%	$30.19
11/03/2021	11/18/2021	$0.290	3.66%	3.61%	$32.15
08/04/2021	08/19/2021	$0.280	3.9%	3.77%	$29.67
05/05/2021	05/20/2021	$0.280	3.35%	3.33%	$33.66
02/10/2021	02/25/2021	$0.280	3.95%	3.81%	$29.43
11/04/2020	11/19/2020	$0.280	5.83%	4.78%	$23.45
08/12/2020	08/27/2020	$0.280	5.07%	5.38%	$20.82
05/18/2020	06/02/2020	$0.280	4.98%	5.07%	$22.09
02/12/2020	02/27/2020	$0.280	2.92%	3.25%	$34.47
11/06/2019	11/21/2019	$0.280	2.92%	2.98%	$37.63
07/31/2019	08/15/2019	$0.270	2.84%	3.12%	$34.61
05/01/2019	05/16/2019	$0.270	2.74%	2.76%	$39.06
02/13/2019	02/28/2019	$0.270	2.7%	2.61%	$41.38
10/31/2018	11/15/2018	$0.270	2.69%	2.62%	$41.20
08/01/2018	08/16/2018	$0.250	2.24%	2.22%	$45.06
05/02/2018	05/17/2018	$0.250	2.32%	2.23%	$44.93
02/07/2018	02/22/2018	$0.220	2.24%	2.19%	$40.20
11/01/2017	11/16/2017	$0.220	2.18%	2.23%	$39.52
08/01/2017	08/17/2017	$0.200	2.12%	2.31%	$34.70
05/02/2017	05/18/2017	$0.200	2.24%	2.36%	$33.85
02/07/2017	02/23/2017	$0.200	2.2%	2.14%	$37.36
11/01/2016	11/17/2016	$0.200	2.6%	2.41%	$33.22
08/02/2016	08/18/2016	$0.190	3.03%	2.82%	$26.99
05/03/2016	05/19/2016	$0.190	3.03%	3.07%	$24.78
02/09/2016	02/25/2016	$0.190	3%	2.99%	$25.40
11/03/2015	11/19/2015	$0.190	2.34%	2.28%	$33.33
08/04/2015	08/20/2015	$0.180	2.35%	2.37%	$30.32
05/05/2015	05/21/2015	$0.180	2.74%	2.67%	$26.92
02/10/2015	02/26/2015	$0.180	2.55%	2.49%	$28.91
11/10/2014	11/28/2014	$0.180	2.57%	2.62%	$27.48
08/12/2014	08/28/2014	$0.170	2.79%	2.72%	$24.98
05/13/2014	05/29/2014	$0.170	2.88%	2.83%	$24.00
02/11/2014	02/27/2014	$0.160	2.94%	2.8%	$22.82
11/13/2013	11/29/2013	$0.160	2.63%	2.43%	$26.31
08/06/2013	08/23/2013	$0.150	2.45%	2.5%	$24.04
05/07/2013	05/24/2013	$0.150	3.14%	3.1%	$19.37
02/12/2013	02/28/2013	$0.150	3.23%	3.32%	$18.06
11/06/2012	11/23/2012	$0.150	3.45%	3.54%	$16.93
08/08/2012	08/24/2012	$0.150	3.58%	3.53%	$16.98
05/08/2012	05/25/2012	$0.150	3.27%	3.42%	$17.53
02/07/2012	02/24/2012	$0.150	2.68%	2.78%	$21.62
11/04/2011	11/25/2011	$0.150	3.29%	3.71%	$16.18
08/04/2011	08/25/2011	$0.150	3.25%	3.46%	$17.32
04/28/2011	05/25/2011	$0.150	2.94%	3.23%	$18.55
01/27/2011	02/25/2011	$0.150	2.68%	2.69%	$22.32
10/27/2010	11/24/2010	$0.150	3.06%	2.96%	$20.28
07/28/2010	08/25/2010	$0.150	2.92%	3.44%	$17.46
04/28/2010	05/25/2010	$0.150	2.45%	2.82%	$21.29
01/28/2010	02/25/2010	$0.150	3.33%	3.33%	$18.01
09/28/2009	10/23/2009	$0.150	4.54%	3.93%	$15.26
06/26/2009	07/24/2009	$0.150	4.85%	5.02%	$11.95
03/27/2009	04/24/2009	$0.310	5.76%	6.5%	$19.07
12/29/2008	01/23/2009	$0.310	3.68%	4.74%	$26.15
09/29/2008	10/24/2008	$0.310	3.51%	4.14%	$29.98
06/27/2008	07/25/2008	$0.310	4.03%	3.85%	$32.22
03/28/2008	04/25/2008	$0.310	3.92%	3.67%	$33.79
12/27/2007	01/25/2008	$0.310	4.39%	4.23%	$29.31
09/27/2007	10/25/2007	$0.300	3.66%	3.67%	$32.73
06/27/2007	07/25/2007	$0.300	3.58%	3.61%	$33.27
03/28/2007	04/25/2007	$0.300	3.64%	3.65%	$32.88
12/27/2006	01/25/2007	$0.300	3.37%	3.63%	$33.10
09/27/2006	10/25/2006	$0.290	3.59%	3.47%	$33.46
06/28/2006	07/25/2006	$0.290	3.59%	3.68%	$31.54
03/29/2006	04/25/2006	$0.290	3.18%	3.34%	$34.73
12/28/2005	01/25/2006	$0.290	3.07%	3.16%	$36.72
09/28/2005	10/25/2005	$0.280	3.08%	3.07%	$36.53
06/29/2005	07/25/2005	$0.280	3.07%	2.81%	$39.81
03/30/2005	04/25/2005	$0.280	3.15%	3.31%	$33.80
12/29/2004	01/25/2005	$0.270	2.86%	2.85%	$37.96
09/29/2004	10/25/2004	$0.270	3.02%	3%	$36.00
06/28/2004	07/23/2004	$0.270	3.44%	3.34%	$32.32
03/29/2004	04/23/2004	$0.260	3.49%	3.58%	$29.09
12/29/2003	01/23/2004	$0.260	3.4%	3.37%	$30.85
09/29/2003	10/24/2003	$0.260	3.67%	3.6%	$28.85
06/27/2003	07/25/2003	$0.250	3.57%	3.39%	$29.49
03/28/2003	04/25/2003	$0.250	3.86%	3.65%	$27.38
12/27/2002	01/24/2003	$0.250	3.96%	3.95%	$25.30
09/27/2002	10/25/2002	$0.240	3.82%	3.55%	$27.08
06/27/2002	07/25/2002	$0.240	3.58%	3.65%	$26.27
03/27/2002	04/25/2002	$0.240	3.78%	3.63%	$26.46
12/27/2001	01/25/2002	$0.240	3.84%	4.03%	$23.85
09/27/2001	10/25/2001	$0.230	4.02%	3.86%	$23.81
06/27/2001	07/25/2001	$0.230	4%	3.72%	$24.70
03/28/2001	04/25/2001	$0.220	3.88%	3.77%	$23.34
12/27/2000	01/25/2001	$0.220	3.84%	3.88%	$22.69
09/27/2000	10/25/2000	$0.210	4.51%	4.51%	$18.63
06/28/2000	07/25/2000	$0.210	4.73%	4.63%	$18.13
03/29/2000	04/25/2000	$0.200	4.56%	4.44%	$18.00
12/29/1999	01/25/2000	$0.200	3.5%	3.78%	$21.19
09/29/1999	10/25/1999	$0.190	3.34%	3.31%	$22.97
06/29/1999	07/23/1999	$0.190	3.05%	3.05%	$24.88
03/30/1999	04/23/1999	$0.180	3.05%	2.76%	$26.06
12/29/1998	01/25/1999	$0.180	2.48%	2.57%	$28.00
09/29/1998	10/23/1998	$0.165	2.54%	2.42%	$27.25
06/29/1998	07/24/1998	$0.165	2.39%	2.41%	$27.38
03/30/1998	04/24/1998	$0.150	2.22%	2.26%	$26.50
12/29/1997	01/23/1998	$0.150	2.77%	2.47%	$24.25
09/29/1997	10/24/1997	$0.140	2.97%	2.7%	$20.75
06/27/1997	07/25/1997	$0.140	3.34%	3.17%	$17.66
03/27/1997	04/25/1997	$0.125	3.03%	2.94%	$17.00
12/30/1996	01/24/1997	$0.125	3.33%	3.03%	$16.50
09/27/1996	10/25/1996	$0.120	3.07%	3.07%	$15.63
06/27/1996	07/25/1996	$0.120	3.1%	3.15%	$15.25
03/28/1996	04/25/1996	$0.105	2.76%	2.78%	$15.13
12/28/1995	01/25/1996	$0.105	2.91%	2.91%	$14.44
09/28/1995	10/25/1995	$0.090	2.88%	2.82%	$12.75
06/29/1995	07/25/1995	$0.090	3.13%	2.91%	$12.38
03/28/1995	04/25/1995	$0.085	3.4%	3.07%	$11.06
12/27/1994	01/25/1995	$0.085	3.51%	3.4%	$10.00
09/27/1994	10/25/1994	$0.075	2.89%	2.93%	$10.25
06/27/1994	07/25/1994	$0.068	2.85%	2.74%	$9.84
03/25/1994	04/25/1994	$0.068	2.84%	2.84%	$9.50
12/28/1993	01/25/1994	$0.063	2.88%	2.78%	$9.00
09/27/1993	10/25/1993	$0.063	2.74%	2.78%	$9.00
06/28/1993	07/23/1993	$0.063	3.15%	2.94%	$8.50
03/26/1993	04/23/1993	$0.055	2.55%	2.69%	$8.19
12/28/1992	01/25/1993	$0.055	3.14%	3.09%	$7.13
09/25/1992	10/23/1992	$0.050	3.33%	3.26%	$6.13
06/25/1992	07/24/1992	$0.050	3.05%	3.33%	$6.00

Projected Future Returns & Dividends for STBA

Based on past 10-year performance, here are STBA growth metrics:

Share price CAGR of +5.73%
Dividend CAGR of +6.89%

Using STBA CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	STBA (DRIP)	STBA - No DRIP
Current Price	$48.92	$48.92
Start Shares	204.42	204.42
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	280.57	204.42
Dividends Payment	$0.72	$0.72
Annual Dividends	$809	$589
Yield on cost	8.09%	5.89%
Share Price	$85.41	$85.41
Total Dividends	$4,944	$4,159
Final Value	$23,963	$21,618

Estimated Future Value + Dividends - STBA

NOTE: Above numbers are our estimate based on STBA's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

S&T Bancorp, Inc. (STBA) had its IPO on 1992-04-21, and is traded on NASDAQ stock exchange.

S&T Bancorp, Inc. operates as the parent company for S&T Bank, providing a comprehensive range of retail and commercial banking products and services. The company's business activities are structured into six main divisions: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. This financial institution handles various deposit types, including both time-based and on-demand accounts. It extends loans to both commercial entities and individual consumers, alongside offering cash management services, and brokerage and trust administration. Furthermore, S&T Bancorp acts as a guardian and custodian for employee benefit plans and manages private investment portfolios for individuals and institutions alike. Beyond core banking, the company engages in distributing life insurance and long-term disability income insurance products. It also provides title insurance agency services to its commercial clients and serves as a reinsurer for credit life, accident, and health insurance policies. As of December 31, 2021, its operational presence encompassed 73 banking branches and 5 loan production offices. These facilities are strategically located across Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and has its corporate headquarters in Indiana, Pennsylvania.

STBA website: https://www.stbancorp.com

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DCF Model — STBA

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $48.92

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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