S&T Bancorp has beaten consensus EPS estimates in all 4 of the past 4 quarters with a consistent 4 to 8% positive surprise margin, maintaining a Piotroski F-Score of 8/9, but the stock has surpassed analyst price targets and trades at negative indicated upside, leaving limited room for near-term appreciation.
Thesis pillars
- Perfect Earnings Beat Record→Stable
- Strong Piotroski Quality Score→Stable
- Weak Growth Limits Re Rating↑Improving
- +1 more pillar — see the Why tab for full reasoning
S&T Bancorp, Inc. (STBA) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $49.99, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).
S&T Bancorp is a Pennsylvania-based bank holding company with approximately $9.9 billion in assets and 72 branches across Pennsylvania and Ohio at December 31, 2025. Revenue flows primarily from commercial and consumer lending, trust services, and wealth management, with $2.1... Read more
Hold if already holding. Not a fresh buy at $49.99, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: RSI 45 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 5.2/10, moderate confidence.
Passes 5/8 gates (clean insider activity, news events none recent, earnings proximity 38d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
About S&T Bancorp, Inc.
About S&T Bancorp, Inc.
S&T Bancorp held approximately $9.9 billion in total assets, $8.1 billion in total loans, $8.0 billion in deposits, and $1.5 billion in shareholders' equity at December 31, 2025, with 72 branches across Pennsylvania and Ohio. S&T Bank's primary regulators are the FDIC and the Pennsylvania Department of Banking and Securities. Total Wealth Management assets under administration reached $2.1 billion at year-end, maintained through a registered financial services entity separate from the bank's balance sheet.
Revenue flows primarily through net interest income on a commercial-heavy loan book: the majority of loans are extended to commercial borrowers spanning C&I, commercial real estate, and construction segments, each carrying elevated credit risk. C&I repayment depends on borrower business cash flows and ongoing operational viability, while CRE repayment depends on sufficient property income to cover debt service. S&T Bank also provides trust services including executor, trustee, and guardian roles under wills and deeds, brokerage, and private investment account management. Liquidity is maintained through core deposits and short-term access to the Federal Home Loan Bank. The 10-K discloses that crossing the $10 billion total-asset threshold would trigger CFPB supervision and altered FDIC assessment methodology — a regulatory step-change that the December 31, 2025 balance sheet was approaching.
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S&T's geographic risk is explicitly flagged in the 10-K: the loan portfolio is concentrated within the company's market area, and the filing cites the company's lack of geographic diversification as an increased risk factor. Pennsylvania and Ohio branches represent the entire footprint, meaning a regional recession, real estate price correction, or elevated unemployment could impair credit quality across the full portfolio simultaneously. Commercial real estate loans — where repayment depends on property cash flow — and C&I loans — where repayment depends on ongoing business success — are particularly sensitive to regional economic deterioration.
See also: Financial Services · Banks - Regional
From S&T Bancorp, Inc.'s most recent 10-K filing, extracted June 11, 2026.
Recent developments
updated 2026-09-14Recent Developments — S&T Bancorp, Inc.
Latest news
- NEWS S&T Bancorp (NASDAQ:STBA) Rally Puts Fundamentals In Focus - Kalkine Media — Kalkine Media positive
- NEWS S&T Bancorp (NASDAQ:STBA) Rally Puts Fundamentals In Focus - kalkinemedia.com — kalkinemedia.com positive
- NEWS Hsbc Holdings PLC Acquires Shares of 25,347 S&T Bancorp, Inc. $STBA - MarketBeat — MarketBeat neutral
- NEWS S&T Bancorp (NASDAQ:STBA) Hits New 1-Year High - Time to Buy? - MarketBeat — MarketBeat positive
- NEWS S&T Bancorp (STBA) Stock Fair Value Rises After Analysts Lift Targets - sg.finance.yahoo.com — sg.finance.yahoo.com positive
Generated 2026-09-14T07:32:35Z.
Upcoming dated catalysts
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 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)
- 2026-05-15Item 5.02LOWAmendment to Oct 29, 2025 8-K: Stephanie Nycum Doliveira assigned on May 12, 2026 to the Audit Committee, Compensation and Benefits Committee, and Technology and Operations Committee. Routine committee appointment update.SEC filing →
- 2026-04-07Item 5.02LOWCEO Christopher McComish employment agreement amended and restated effective Jan 1, 2026: 4-year term, base salary no less than $785,000, target bonus 67% of base, LTI target 100% of base. Compensatory arrangement for incumbent officer.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
2 floor-breakers
Momentum 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
Hold if already holding. Not a fresh buy at $49.99, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: RSI 45 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $57.49 (+15.0%), stop $48.43 (−3.2%), A.R:R -1.4:1. Score 5.2/10, moderate confidence.
Take-profit target: $57.49 (-7.2% upside). Target $57.49 (+15.0%), stop $48.43 (−3.2%), A.R:R -1.4:1. Stop-loss: $48.43.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4); Negative momentum.
S&T Bancorp, Inc. trades at a P/E of 13.3 (forward 12.5). TrendMatrix value score: 6.6/10. Verdict: Hold.
13 analysts cover STBA with a consensus score of 3.6/5. Average price target: $53.
What does S&T Bancorp, Inc. do?S&T Bancorp is a Pennsylvania-based bank holding company with approximately $9.9 billion in assets and 72 branches...
S&T Bancorp is a Pennsylvania-based bank holding company with approximately $9.9 billion in assets and 72 branches across Pennsylvania and Ohio at December 31, 2025. Revenue flows primarily from commercial and consumer lending, trust services, and wealth management, with $2.1 billion in Wealth Management assets under administration.