S&T Bancorp, Inc. (STBA) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $44.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away).
S&T Bancorp is a Pennsylvania bank holding company with approximately $9.9B in assets, $8.1B in loans, and 72 branches in Pennsylvania and Ohio as of December 31, 2025. Revenue from net interest income on commercial and consumer loans and trust/wealth advisory fees ($2.1B AUA).
Hold if already holding. Not a fresh buy at $44.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Score 5.3/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 82d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfoliocommercial loans (C&I, CRE, 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.'
- MEDIUMGeographicmarket area geographic concentration10-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 5.02LOWS&T Bancorp and CEO Christopher McComish entered amended employment agreement effective January 1, 2026 with four-year term; base salary no less than $785,000 and 67% bonus target. Compensatory arrangement update, no 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
1 floor-breaker
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $44.41, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Multiple concerning factors. Consider reducing position. | News modifier +2 (SELL_IF_HOLDING → HOLD_IF_HOLDING) Target $43.98 (-1.0%), stop $42.53 (−4.4%), A.R:R -2.4:1. Score 5.3/10, moderate confidence.
Take-profit target: $43.98 (-1.0% upside). Target $43.98 (-1.0%), stop $42.53 (−4.4%), A.R:R -2.4:1. Stop-loss: $42.53.
Analyst target reached - limited upside remaining; Near 52-week high (1.1% away); Weak growth.
S&T Bancorp, Inc. trades at a P/E of 12.4 (forward 11.5). TrendMatrix value score: 6.7/10. Verdict: Hold.
13 analysts cover STBA with a consensus score of 3.6/5. Average price target: $45.
What does S&T Bancorp, Inc. do?S&T Bancorp is a Pennsylvania bank holding company with approximately $9.9B in assets, $8.1B in loans, and 72 branches...
S&T Bancorp is a Pennsylvania bank holding company with approximately $9.9B in assets, $8.1B in loans, and 72 branches in Pennsylvania and Ohio as of December 31, 2025. Revenue from net interest income on commercial and consumer loans and trust/wealth advisory fees ($2.1B AUA).