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Company Analysis S&T Bancorp, Inc.
1. Summary
Advantages
- Price (36.46 $) is less than fair price (57.75 $)
- Dividends (3.4%) are higher than the sector average (2.31%).
- Current debt level 1.55% is below 100% and has decreased over 5 years from 4.52%.
- The company's current efficiency (ROE=9.86%) is higher than the sector average (ROE=6.45%)
Disadvantages
- The stock's return over the last year (-14.23%) is lower than the sector average (18.39%).
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| S&T Bancorp, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -2.4% | -0.5% | 1.2% |
| 90 days | 10% | 4.9% | 21.7% |
| 1 year | -14.2% | 18.4% | 21.8% |
STBA vs Sector: S&T Bancorp, Inc. has significantly underperformed the "Financials" sector by -32.62% over the past year.
STBA vs Market: S&T Bancorp, Inc. has significantly underperformed the market by -36% over the past year.
Stable price: STBA is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: STBA with weekly volatility of -0.2737% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (36.46 $) is lower than the fair price (57.75 $).
Price significantly below the fair price: The current price (36.46 $) is 58.4% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (11.27) is lower than that of the sector as a whole (21.68).
P/E vs Market: The company's P/E (11.27) is lower than that of the market as a whole (90.03).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.07) is higher than that of the sector as a whole (0.7).
P/BV vs Market: The company's P/BV (1.07) is lower than that of the market as a whole (9.39).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.87) is lower than that of the sector as a whole (4.61).
P/S vs Market: The company's P/S indicator (2.87) is lower than that of the market as a whole (10.12).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (248.52) is higher than that of the sector as a whole (11.61).
EV/Ebitda vs Market: The company's EV/Ebitda (248.52) is higher than that of the market as a whole (50.91).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 104.78% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (104.78%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (9.86%) is higher than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (9.86%) is lower than that of the market as a whole (11.64%).
5.5. ROA
ROA vs Sector: The company's ROA (1.37%) is lower than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (1.37%) is lower than that of the market as a whole (6.89%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.08%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 3.4% is higher than the average for the sector '2.31%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 3.4% has been steadily paid over the past 7 years, DSI=1.
Dividend growth: Company's dividend yield 3.4% has been growing over the last 5 years. Growth over 12 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (38.83%) are at a comfortable level.
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