STBA Valuation

S&T Bancorp Inc

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39.490

+0.44(1.127%)1D

Overview
Forecast
Valuation
Earnings

STBA Relative Valuation

STBA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, STBA is overvalued; if below, it's undervalued.

Historical Valuation

S&T Bancorp Inc (STBA) is now in the Fair zone, suggesting that its current forward PE ratio of 11.59 is considered Fairly compared with the five-year average of 10.82. The fair price of S&T Bancorp Inc (STBA) is between 32.65 to 43.30 according to relative valuation methord.

Relative Value

Fair Zone

32.65-43.30

Current Price：39.32

Fair

11.54

Trailing

Forward

0.00

EV/EBITDA

S&T Bancorp Inc. (STBA) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

S&T Bancorp Inc. (STBA) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.62

S&T Bancorp Inc. (STBA) has a current PS of 3.62. The 5-year average PS is 3.29. The thresholds are as follows: Strongly Undervalued below 2.32, Undervalued between 2.32 and 2.81, Fairly Valued between 3.78 and 2.81, Overvalued between 3.78 and 4.26, and Strongly Overvalued above 4.26. The current Forward PS of 3.62 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

S&T Bancorp Inc. (STBA) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

S&T Bancorp Inc. (STBA) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.97. The thresholds are as follows: Strongly Undervalued below -7.60, Undervalued between -7.60 and -3.32, Fairly Valued between 5.25 and -3.32, Overvalued between 5.25 and 9.54, and Strongly Overvalued above 9.54. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

S&T Bancorp Inc (STBA) has a current Price-to-Book (P/B) ratio of 1.04. Compared to its 3-year average P/B ratio of 1.02 , the current P/B ratio is approximately 1.52% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about 4.05% higher. S&T Bancorp Inc (STBA) has a Forward Free Cash Flow (FCF) yield of approximately 8.96%. Compared to its 3-year average FCF yield of 13.41%, the current FCF yield is approximately -33.22% lower. Relative to its 5-year average FCF yield of 13.63% , the current FCF yield is about -34.26% lower.

1.04

P/B

Median3y

1.02

Median5y

1.00

8.96

FCF Yield

Median3y

13.41

Median5y

13.63

Competitors Valuation Multiple

The average P/S ratio for STBA's competitors is 3.37, providing a benchmark for relative valuation. S&T Bancorp Inc Corp (STBA) exhibits a P/S ratio of 3.62, which is 7.55% above the industry average. Given its robust revenue growth of 5.85%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

National Bank Holdings Corp

German American Bancorp Inc

Performance Decomposition

Market capitalization of STBA decreased by 7.38% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 88.28M to 93.45M.

The secondary factor is the P/E Change, contributed -0.93%to the performance.

Overall, the performance of STBA in the past 1 year is driven by Revenue Growth. Which is more sustainable.

5.85%

88.28M → 93.45M

Revenue Growth

-12.30%

38.93 → 34.14

Margin Expansion

-0.93%

11.59 → 11.49

P/E Change

-7.38%