S&T Bancorp, Inc.

STBA US Financials Regional Banks
S&P 600
$49.99
-0.28%
Delayed · cached 15 min

Fair value analysis

STBA
S&T Bancorp, Inc.
FinancialsRegional Banks
$49.99
Close used for this calculation
$52.97Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
64/100
Profitability19/25
Returns8/25
Balance Sheet19/25
Efficiency18/25
Growth8/25
Good
Quality radar
64Prof.19/25Ret.8/25Eff.18/25B.Sht19/25Growth8/25

Consensus fair value

$52.97
Near FV
▲ +6.0% against the close used
Model range $18.95 – $69.80
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.

Educational data only. Not a recommendation to buy, sell or hold any security.