Net interest margin expansion or compression driven by Federal Reserve policy and deposit pricing competition
Loan growth rates in commercial real estate and C&I portfolios within Pennsylvania-Ohio markets
Credit quality metrics including non-performing asset ratios and provision expense relative to peers
Deposit franchise stability and mix shift between non-interest bearing and interest-bearing accounts
moderate-to-high - Regional bank earnings are directly tied to local economic activity in western Pennsylvania and eastern Ohio. Commercial loan demand correlates with business investment and expansion, while credit quality deteriorates during recessions as borrowers face cash flow stress. The 1.4% ROA and 9.3% ROE suggest moderate profitability that compresses significantly in downturns. Residential mortgage and consumer lending also track employment and income trends in the footprint.
High sensitivity to interest rate levels and yield curve shape. Rising short-term rates typically expand net interest margin as loan yields reprice faster than deposit costs, though competitive deposit pricing can limit this benefit. The current environment with Fed funds near restrictive levels supports NIM but creates reinvestment risk as securities mature. A flattening or inverted yield curve (10Y-2Y spread) compresses profitability by reducing the spread banks earn on maturity transformation.
Digital banking disruption from fintech competitors and national banks offering higher deposit rates online, pressuring S&T's core deposit franchise and forcing higher funding costs
Branch network obsolescence as customer preferences shift to digital channels, leaving S&T with excess physical infrastructure and elevated occupancy costs relative to digital-native competitors
Regulatory compliance burden disproportionately affecting regional banks under $50 billion in assets, including capital requirements, stress testing, and consumer protection rules
value - The 1.2x price/book ratio and 10% FCF yield attract value investors seeking regional banks trading below tangible book value with solid dividend yields. The modest 1.5% EPS growth and 9.3% ROE appeal to investors betting on mean reversion as interest rates stabilize. Not a growth story given 0.6% revenue growth, but generates steady cash flow for dividends.
No analyst coverage available for this stock.
Trend
+6.2% vs SMA 50 · +14.1% vs SMA 200
Momentum
Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
STBA News
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About
S&T Bancorp, Inc. is a $9.0 billion bank holding company that is headquartered in Indiana, Pa. Its principal subsidiary, S&T Bank, was recently ranked #1 in customer satisfaction with retail banking in the Mid-Atlantic including best in communication and advice by J.D. Power.Established in 1902, S&T Bank operates in five markets including Western Pennsylvania, Central Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
STBA◀ | $44.28 | +0.00% | $1.6B | — | — | — | 1500 |
| $312.47 | -0.24% | $842.7B | 14.8 | +330.7% | 2039.3% | 1502 | |
| $328.03 | -0.55% | $628.8B | 28.2 | +1134.0% | 5014.5% | 1498 | |
| $495.46 | -1.48% | $438.6B | 28.4 | +1641.6% | 4564.7% | 1488 | |
| $53.24 | -0.41% | $382.1B | 12.2 | -45.1% | 1592.6% | 1501 | |
| $190.18 | -0.22% | $302.0B | 16.4 | +1147.7% | 1466.4% | 1516 | |
| $923.71 | -0.01% | $274.1B | 15.5 | -138.4% | 1373.0% | 1515 | |
| Sector avg | — | -0.42% | — | 19.3 | +678.4% | 2675.1% | 1503 |