S&T Bancorp, Inc. (STBA) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Sell if holding. At $47.85, A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: 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.
Sell if holding. At $47.85, A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area. Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Score 5.2/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 39d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-13Recent Developments — S&T Bancorp, Inc.
Latest news
- NEWS Earnings To Watch: S&T Bancorp Inc (STBA) Reports Q1 2026 Result - GuruFocus — GuruFocus neutral
- NEWS S&T Bancorp (STBA) Reports Q1: Everything You Need To Know Ahead Of Earnings - StockStory — StockStory neutral
- NEWS S&T Bancorp (STBA) is a Top Dividend Stock Right Now: Should You Buy? - Yahoo Finance — Yahoo Finance positive
- NEWS STBA (S and T Bancorp Inc.) dips 0.46% after Q4 2025 EPS narrowly misses consensus estimates by 0.1%. - Market Hype Sign — Cổng thông tin điện tử tỉnh Lào Cai negative
- NEWS S&T Bancorp (STBA) Earnings Expected to Grow: Should You Buy? - Yahoo Finance — Yahoo Finance positive
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
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 area10-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 5.02LOWAmended 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.
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Rating Breakdown
3 floor-breakers
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $47.85, A.R:R is negative (-1.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: commercial loans (C&I, CRE, and construction); Concentration risk — Geographic: Pennsylvania and Ohio market area. Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Prior stop was $45.81. Score 5.2/10, moderate confidence.
Take-profit target: $46.96 (-1.9% upside). Prior stop was $45.81. Stop-loss: $45.81.
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.
S&T Bancorp, Inc. trades at a P/E of 13.4 (forward 12.5). TrendMatrix value score: 6.5/10. Verdict: Sell.
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.