Latest Ratios: P/E Ratio 14.3x · EV/EBITDA 11.1x · ROE 9.4%. (1996–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.8B | $1.5B | $1.5B | $1.3B | $1.3B | $1.2B | $970M | $1.6B | $1.3B | $1.4B | $1.4B |
| Enterprise Value | $1.9B | $1.7B | $1.5B | $1.6B | $1.6B | $470M | $969M | $1.8B | $1.8B | $2.0B | $2.0B |
| P/E Ratio → | 14.30 | 11.28 | 11.24 | 8.94 | 9.88 | 11.22 | 46.87 | 16.25 | 12.57 | 19.05 | 19.14 |
| P/S Ratio | 3.16 | 2.66 | 2.61 | 2.41 | 3.34 | 3.48 | 2.55 | 4.27 | 3.93 | 4.39 | 4.83 |
| P/B Ratio | 1.31 | 1.03 | 1.07 | 1.01 | 1.13 | 1.02 | 0.84 | 1.34 | 1.41 | 1.57 | 1.62 |
| P/FCF | 13.94 | 11.76 | 8.64 | 7.80 | 5.64 | 5.83 | 21.04 | 11.96 | 10.69 | 12.66 | 14.62 |
| P/OCF | 13.44 | 11.34 | 8.49 | 7.52 | 5.55 | 5.73 | 18.83 | 11.51 | 10.34 | 12.14 | 14.08 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.92 | 2.62 | 2.92 | 3.92 | 1.33 | 2.55 | 4.86 | 5.26 | 6.18 | 7.06 |
| EV / EBITDA | 11.10 | 9.50 | 8.41 | 8.38 | 8.78 | 3.19 | 29.26 | 14.04 | 13.58 | 16.02 | 19.88 |
| EV / EBIT | 11.57 | 9.90 | 8.97 | 8.74 | 9.25 | 3.46 | 46.05 | 15.44 | 14.39 | 16.36 | 20.63 |
| EV / FCF | — | 12.90 | 8.67 | 9.44 | 6.61 | 2.23 | 21.00 | 13.60 | 14.31 | 17.83 | 21.39 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.4% | 69.4% | 67.9% | 72.7% | 91.6% | 91.7% | 54.6% | 76.3% | 79.1% | 84.6% | 85.0% |
| Operating Margin | 29.5% | 29.5% | 29.2% | 33.4% | 42.3% | 38.3% | 5.5% | 31.5% | 36.5% | 37.8% | 34.2% |
| Net Profit Margin | 23.6% | 23.6% | 23.2% | 27.0% | 34.0% | 31.2% | 5.5% | 26.3% | 31.2% | 23.1% | 25.3% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 9.4% | 9.9% | 11.7% | 11.3% | 9.3% | 1.8% | 9.2% | 11.6% | 8.5% | 8.7% |
| ROA | 1.4% | 1.4% | 1.4% | 1.6% | 1.5% | 1.2% | 0.2% | 1.2% | 1.5% | 1.0% | 1.1% |
| ROIC | 7.4% | 7.4% | 7.2% | 7.9% | 8.5% | 7.4% | 1.1% | 5.6% | 5.9% | 5.6% | 4.9% |
| ROCE | 2.9% | 2.9% | 9.9% | 11.4% | 11.5% | 9.6% | 1.5% | 9.3% | 11.6% | 11.9% | 9.8% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.18 | 0.39 | 0.37 | 0.13 | 0.20 | 0.35 | 0.65 | 0.77 | 0.92 |
| Debt / EBITDA | 1.78 | 1.78 | 1.42 | 2.70 | 2.47 | 1.10 | 6.88 | 3.23 | 4.63 | 5.60 | 7.69 |
| Net Debt / Equity | — | 0.10 | 0.00 | 0.21 | 0.19 | -0.63 | -0.00 | 0.18 | 0.48 | 0.64 | 0.75 |
| Net Debt / EBITDA | 0.84 | 0.84 | 0.03 | 1.45 | 1.29 | -5.17 | -0.05 | 1.69 | 3.44 | 4.64 | 6.30 |
| Debt / FCF | — | 1.14 | 0.03 | 1.63 | 0.97 | -3.60 | -0.04 | 1.64 | 3.62 | 5.17 | 6.78 |
| Interest Coverage | 1.01 | 1.01 | 0.91 | 1.39 | 6.77 | 10.32 | 0.51 | 1.59 | 2.22 | 3.42 | 3.94 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 6.98 | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Quick Ratio | 6.98 | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 | 0.13 | 0.13 | 0.03 | 0.14 | 0.14 |
| Cash Ratio | 0.99 | 0.99 | 0.03 | 0.03 | 0.03 | 0.11 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.8% | 3.5% | 3.5% | 3.8% | 3.5% | 3.6% | 4.5% | 2.3% | 2.6% | 2.1% | 2.0% |
| Payout Ratio | 39.4% | 39.4% | 38.8% | 34.3% | 34.6% | 40.2% | 208.9% | 38.0% | 32.8% | 39.2% | 37.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 8.9% | 8.9% | 11.2% | 10.1% | 8.9% | 2.1% | 6.2% | 8.0% | 5.2% | 5.2% |
| FCF Yield | 7.2% | 8.5% | 11.6% | 12.8% | 17.7% | 17.2% | 4.8% | 8.4% | 9.4% | 7.9% | 6.8% |
| Buyback Yield | 2.1% | 2.5% | 0.1% | 1.6% | 0.6% | 0.1% | 1.4% | 1.2% | 1.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.9% | 6.0% | 3.5% | 5.4% | 4.2% | 3.7% | 5.9% | 3.5% | 3.6% | 2.1% | 2.0% |
| Shares Outstanding | — | $38M | $39M | $39M | $39M | $39M | $39M | $40M | $35M | $35M | $35M |
Commercial Real Estate Concentration
Based on current market data, STBA trades at a P/B of 1.30, which suggests that investors are pricing the bank as a stable, defensive franchise rather than a high-growth entity, likely reflecting the market's recognition of its entrenched, low-cost deposit base in the Pennsylvania corridor.
The current P/B multiple of 1.30 sits in line with regional peers, indicating that the market is not assigning a significant premium for its localized monopoly effect. This valuation implies that investors are prioritizing the bank's balance sheet stability over aggressive earnings growth, which remains constrained by the bank's conservative organic expansion strategy.
According to the provided quarterly data, the bank's ROE has remained in a narrow range between 2.2% and 3.0% over the last ten quarters, suggesting that profitability is currently constrained by stagnant asset utilization and a lack of significant leverage expansion in the current interest rate environment.
The decomposition of profitability indicates that the bank's reliance on traditional interest income, combined with a stable but low NIM of 0.9%, limits the potential for ROE expansion. Investors should monitor whether the bank can improve its non-interest income contribution, which currently remains a minor component of the overall profitability profile.
As reported in recent financial statements, the bank maintains an equity-to-assets ratio of 0.14, a level that underscores a fortress balance sheet and provides a substantial buffer against potential credit volatility within its significant commercial real estate and construction loan portfolios.
This high capital adequacy level suggests that the bank is well-positioned to absorb potential shocks, though it may also imply an opportunity cost regarding capital return. The bank's ability to maintain such a strong capital position while simultaneously executing share repurchases warrants further investigation into its long-term capital allocation efficiency.
The P/E ratio is frequently misapplied to STBA, as it obscures the impact of volatile provision for credit losses on headline earnings, which can lead to a distorted view of the bank's underlying operational profitability and its true earnings power in a fluctuating credit cycle.
Investors should instead focus on P/TBV and ROE, as these metrics better capture the bank's capital-intensive nature and the quality of its tangible equity base. Relying on P/E ignores the accounting nuances of reserve building, which may artificially depress earnings during periods of heightened caution regarding commercial real estate exposure.
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying STBA stock.
S&T Bancorp, Inc.'s current P/E ratio is 14.3x. The historical average is 16.6x. This places it at the 39th percentile of its historical range.
S&T Bancorp, Inc.'s current EV/EBITDA is 11.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
S&T Bancorp, Inc.'s return on equity (ROE) is 9.4%. The historical average is 11.7%.
Based on historical data, S&T Bancorp, Inc. is trading at a P/E of 14.3x. This is at the 39th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
S&T Bancorp, Inc.'s current dividend yield is 2.75% with a payout ratio of 39.4%.
S&T Bancorp, Inc. has 69.4% gross margin and 29.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
S&T Bancorp, Inc.'s Debt/EBITDA ratio is 1.8x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.