The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear$18.95Fair value$52.97Bull$69.80
FairClose
52-week traded range
52W low $34.6552W high $53.36
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading close to the consensus fair value
S&T Bancorp, Inc. closed at $49.99, 5.6% below the consensus fair value of $52.97 drawn from 9 valuation models.
Financial DNA score 64/100 — Good. P/E of 14.3x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
$54.16
+8.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=5.4%, r=10%, tg=3%, n=10yr
Graham Number
$55.38
+10.8%
√(22.5 × EPS × BVPS)
EPS=3.49, BVPS=39.05
P/E Fair Value
$69.80
+39.6%
EPS × 20x (sector P/E)
EPS=3.49, Sector P/E=20x
Peter Lynch (PEG)
$18.95
-62.1%
EPS × Growth% (PEG = 1 is fair)
EPS=3.49, g=5.4%
EV/EBITDA
$58.93
+17.9%
(EBITDA × 12.7x − Net Debt) ÷ Shares
EBITDA=178.39M
Dividend Discount (DDM)
$31.83
-36.3%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.38, r=10%, g=5.4%
Book Value (P/B)
$35.29
-29.4%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=39.05, ROE=9.6%, g=5.4%, r=10%
Reverse DCF
$49.99
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 2.6% | Historical: 5.4%
Margin of Safety
$44.83
-10.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=59.78, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.