S&T Bancorp, Inc. Financial Ratios — STBA Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	8.16	6.77	9.53	10.27	11.03	10.89	10.46	13.95	11.86	2.51	13.05	14.69	14.26	11.9	11.34
Return on Assets (%)	1.15	0.79	1.12	1.22	1.19	1.08	1.04	1.47	1.23	0.24	1.2	1.46	1.55	1.37	1.37
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.49	3.74	2.84	2.42	0.15	1.41	0.89	2.59	3.92	3.56	3.37	2.41	1.85	2.83	2.6
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.12	22.16	34.65	38.8	38.34	37.49	42.46	43.72	39.21	6.2	39.81	45.16	43.93	42.93	41.76
Profit Margin (%)	26.05	18.28	26.94	29.79	28.12	27.68	25.95	37.39	32.82	6.2	32.38	36.23	35.57	34.19	33.38
Net Income to Common Margin (%)	21.86	18.28	26.94	29.79	28.12	27.68	25.95	37.39	32.82	6.2	32.38	36.23	35.57	34.19	33.38
Effective Tax Rate (%)	23.63	17.51	22.27	23.22	26.67	26.17	38.89	14.49	16.3	- -	18.67	19.78	19.03	20.36	20.07
Dvd Payout Ratio (%)	36.04	50.75	35.89	34.89	36.5	37.52	39.15	32.79	38.03	208.88	40.17	34.65	34.33	38.83	39.4
Sustainable Growth Rate (%)	5.22	3.34	6.11	6.68	7	6.81	6.37	9.37	7.35	-2.73	7.81	9.6	9.36	7.28	6.87

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	197	200	207	355	519	720	633	586	396	163	77	439	504	250	265
ST Debt	75	75	140	290	356	660	540	470	281	75	- -	370	415	150	165
LT Debt	122	125	67	65	163	60	93	116	115	88	77	69	89	100	100
Total Debt/EBITDA	31.23	28.53	38.9	75.5	1,456.92	198.55	253.37	80.26	33.82	13.49	6.69	48.65	66.97	23.04	25.4
Net Debt/EBITDA	-11.55	-19.71	18.58	52.2	1,177.71	160.1	206.47	58.96	16.94	-5.54	-73.64	25.39	35.91	0.51	9.75
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.03	11.36	12.05	11.72	10.04	9.74	10.18	10.92	9.87	9.07	9.25	10.62	11.13	11.83	12.4
Long-Term Debt/Equity (%)	24.97	23.21	11.8	10.69	20.53	7.17	10.51	12.39	9.66	7.6	6.37	5.84	6.91	7.27	6.85
Long-Term Debt/Capital (%)	17.67	17.47	8.95	6.94	14.11	4.32	6.88	8.41	9.13	8.99	8.05	4.92	5.66	7.2	6.73
Long-Term Debt/Total Assets (%)	2.97	2.76	1.49	1.31	2.57	0.87	1.32	1.6	1.31	0.98	0.81	0.76	0.93	1.04	1.02
Total Debt/Equity (%)	40.26	37.16	36.31	58.36	65.47	85.55	71.59	62.62	33.26	14.1	6.37	37.07	39.24	18.13	18.12
Total Debt/Capital (%)	28.49	27.98	27.53	37.89	44.98	51.58	46.84	42.52	31.44	16.67	8.05	31.22	32.14	17.97	17.81
Total Debt/Total Assets (%)	4.79	4.41	4.58	7.15	8.21	10.37	8.96	8.08	4.52	1.81	0.81	4.82	5.27	2.59	2.69
Net Debt to Equity	-14.89	-25.68	17.34	40.35	52.92	68.99	58.34	46	16.66	-5.79	-70.07	19.35	21.04	0.4	6.96
Net Debt/Capital (%)	-17.28	-36.7	15.35	29.66	39.79	46.21	41.79	35.21	18.68	-8.96	-2,650.96	19.15	20.25	0.48	7.68
EBITDA	6	7	5	5	- -	4	2	7	12	12	11	9	8	11	10
EBITDA-CapEx	4	5	2	- -	-5	- -	-2	3	7	7	8	5	2	8	6
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.03	11.36	12.05	11.72	10.04	9.74	10.18	10.92	9.87	9.07	9.25	10.62	11.13	11.83	12.4
Long-Term Debt/Equity (%)	24.97	23.21	11.8	10.69	20.53	7.17	10.51	12.39	9.66	7.6	6.37	5.84	6.91	7.27	6.85
Long-Term Debt/Capital (%)	17.67	17.47	8.95	6.94	14.11	4.32	6.88	8.41	9.13	8.99	8.05	4.92	5.66	7.2	6.73
Long-Term Debt/Total Assets (%)	2.97	2.76	1.49	1.31	2.57	0.87	1.32	1.6	1.31	0.98	0.81	0.76	0.93	1.04	1.02
Total Debt/Equity (%)	40.26	37.16	36.31	58.36	65.47	85.55	71.59	62.62	33.26	14.1	6.37	37.07	39.24	18.13	18.12
Total Debt/Capital (%)	28.49	27.98	27.53	37.89	44.98	51.58	46.84	42.52	31.44	16.67	8.05	31.22	32.14	17.97	17.81
Total Debt/Total Assets (%)	4.79	4.41	4.58	7.15	8.21	10.37	8.96	8.08	4.52	1.81	0.81	4.82	5.27	2.59	2.69
CFO/Total Liabilities	2.04	2.1	2.17	1.79	1.1	1.59	1.85	2.03	1.83	0.66	2.59	3.03	2.08	2.09	1.59
CFO/CapEx	29.2	38.5	30.38	15.38	11.8	27.19	24.34	30.68	26.86	9.52	59.5	62.26	31.18	59.05	28.02
Altman's Z-Score	0.29	0.26	0.31	0.31	0.28	0.3	0.31	0.31	0.29	0.23	0.25	0.28	0.28	0.3	0.31

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	550	537	753	888	1,073	1,363	1,392	1,312	1,594	976	1,240	1,333	1,278	1,462	1,472
- Cash & Cash Equivalents	271	338	108	110	99	139	117	155	198	230	922	210	234	245	163
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	197	200	207	355	519	720	633	586	396	163	77	439	504	250	265
Enterprise Value	119	-53	342	493	831	1,250	1,210	1,743	1,008	136	-516	559	577	480	586
Total Capital	693	714	754	937	1,153	1,397	1,351	1,378	1,261	976	954	1,407	1,567	1,393	1,489
Total Debt/Capital (%)	28.49	27.98	27.53	37.89	44.98	51.58	46.84	42.52	31.44	16.67	8.05	31.22	32.14	17.97	17.81
Total Debt / EV	1.65	-3.77	0.61	0.72	0.62	0.58	0.52	0.34	0.39	1.2	-0.15	0.79	0.87	0.52	0.45
EV/Sales	0.66	- -	1.82	2.54	3.48	4.85	4.3	6.19	3.37	0.4	- -	1.5	1.42	1.25	1.46
EV/EBITDA	18.87	- -	64.19	104.92	2,334.71	344.64	484.27	238.75	86	11.24	- -	61.97	76.78	44.2	56.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.61	- -	3.98	6.32	13.72	12.92	10.59	13.61	7.28	2.63	- -	2.33	3.36	2.77	4.39
EV/Free Cash Flow to Firm	1.56	- -	3.85	5.93	12.65	12.46	10.17	13.18	7.02	2.38	- -	2.29	3.26	2.72	4.23
Diluted Market Cap	550	537	753	888	1,073	1,363	1,392	1,323	1,594	976	1,240	1,334	1,292	1,472	1,515
Diluted Enterprise Value	477	399	852	1,134	1,492	1,944	1,908	1,754	1,793	909	395	1,563	1,562	1,478	1,616
EV per Share	4.24	- -	11.51	16.56	23.88	35.81	34.59	50.25	25.49	3.45	- -	14.34	15.1	12.55	15.67
TTM Sales	181	187	188	194	239	258	281	282	299	339	341	374	407	384	402
TTM EBITDA	6	7	5	5	- -	4	2	7	12	12	11	9	8	11	10
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	74	84	86	78	61	97	114	128	138	52	215	241	172	173	134
TTM Free Cash Flow to Firm	76	86	89	83	66	100	119	132	144	57	218	244	177	176	138

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	7.2	6.24	8.47	10.68	16.33	13.58	11.71	10.01	11.1	17.14	5.68	5.46	7.29	8.35	10.95
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	119	-53	342	493	831	1,250	1,210	1,743	1,008	136	-516	559	577	480	586
Low Price	15.21	15.68	17.14	21.17	25.68	23.06	31.72	35.6	33.3	16.98	24.2	26.51	24.51	28.83	30.84
EV/Sales	0.66	- -	1.82	2.54	3.48	4.85	4.3	6.19	3.37	0.4	- -	1.5	1.42	1.25	1.46
EV/EBITDA	18.87	- -	64.19	104.92	2,334.71	344.64	484.27	238.75	86	11.24	- -	61.97	76.78	44.2	56.1
Price/Earnings	13.87	15.71	14.89	15.34	15.99	19.09	19.08	12.46	16.23	46.4	11.24	9.84	8.83	11.14	10.96
Price/Earnings Average	13.69	16.28	12.54	12.76	15.54	13.69	17.81	13.98	15.39	47.51	11	8.98	7.96	10.56	10.59
Price/Earnings High	16.93	20.29	15.54	15.85	17.64	19.39	20.69	15.73	16.92	77.59	12.77	11.05	10.15	13.35	11.97
Price/Earnings Low	10.79	13.63	10.09	10.89	13.33	11.28	15.2	11.72	13.41	31.71	8.63	7.63	6.47	8.4	8.59
Price/Book Value	1.11	1.05	1.38	1.53	1.69	2.02	1.94	1.66	1.84	1.2	1.41	1.38	1.2	1.28	1.2
Price/Book Value Average	1.1	1.08	1.16	1.27	1.64	1.45	1.81	1.86	1.75	1.23	1.38	1.26	1.08	1.21	1.16
Price/Book Value High	1.35	1.35	1.44	1.58	1.87	2.05	2.1	2.09	1.92	2.01	1.61	1.55	1.38	1.53	1.31
Price/Book Value Low	0.86	0.91	0.93	1.08	1.41	1.19	1.54	1.56	1.52	0.82	1.09	1.07	0.88	0.97	0.94
Price/Tangible Book Value	1.72	1.51	1.92	2.07	2.17	2.5	2.36	2.03	1.97	1.26	1.5	1.65	1.41	1.46	1.35
Price/Tangible Book Value Average	1.7	1.56	1.62	1.72	2.11	1.79	2.21	2.28	1.87	1.29	1.47	1.51	1.27	1.38	1.31
Price/Tangible Book Value High	2.1	1.95	2	2.13	2.4	2.54	2.56	2.57	2.05	2.11	1.71	1.86	1.62	1.75	1.48
Price/Tangible Book Value Low	1.34	1.31	1.3	1.47	1.81	1.48	1.88	1.91	1.63	0.86	1.15	1.28	1.03	1.1	1.06
Price/Sales	3.03	2.87	4.01	4.57	4.5	5.29	4.95	4.66	5.32	2.88	3.64	3.56	3.14	3.81	3.66
Price/Sales Average	2.99	2.98	3.38	3.8	4.37	3.79	4.62	5.23	5.05	2.95	3.56	3.25	2.83	3.61	3.53
Price/Sales High	3.7	3.71	4.19	4.72	4.96	5.37	5.37	5.88	5.55	4.81	4.13	4	3.61	4.56	3.99
Price/Sales Low	2.36	2.49	2.72	3.25	3.75	3.12	3.94	4.38	4.4	1.97	2.79	2.76	2.3	2.87	2.87
Price/Cash Flow	7.44	6.4	8.74	11.37	17.71	14.08	12.19	10.25	11.51	18.94	5.77	5.54	7.44	8.43	11.02
Price/Cash Flow Average	7.35	6.64	7.36	9.46	17.21	10.09	11.38	11.51	10.92	19.39	5.65	5.06	6.71	8	10.64
Price/Cash Flow High	9.08	8.27	9.12	11.75	19.54	14.3	13.22	12.94	12.01	31.67	6.56	6.22	8.55	10.11	12.02
Price/Cash Flow Low	5.79	5.56	5.92	8.08	14.76	8.32	9.71	9.65	9.52	12.94	4.43	4.3	5.46	6.36	8.63
Price/Free Cash Flow Average	7.1	6.47	7.13	8.88	15.87	9.74	10.93	11.24	10.53	17.55	5.56	4.98	6.57	7.92	10.57
Price/Free Cash Flow High	8.78	8.06	8.83	11.03	18.01	13.79	12.69	12.64	11.58	28.66	6.45	6.13	8.38	10.01	11.95
Price/Free Cash Flow Low	5.6	5.42	5.73	7.58	13.6	8.02	9.33	9.42	9.18	11.71	4.36	4.23	5.34	6.3	8.58
EV/Sales Average	2.59	2.24	3.9	5.06	6.13	6.04	6.46	6.76	5.72	2.75	1.08	3.87	3.49	3.63	3.79
EV/Sales High	3.3	2.97	4.71	5.98	6.72	7.62	7.2	7.41	6.22	4.62	1.65	4.62	4.27	4.58	4.25
EV/Sales Low	1.96	1.75	3.24	4.51	5.5	5.37	5.78	5.91	5.06	1.77	0.31	3.38	2.97	2.89	3.12
EV/EBITDA Average	74.31	59.85	137.37	209.26	4,106.76	429.44	726.69	260.74	145.93	77.29	32.07	160.19	189.09	128.11	145.81
EV/EBITDA High	94.6	79.42	165.84	247.33	4,502.29	541.66	810.85	285.93	158.73	129.75	49.07	191.25	231.29	161.75	163.55
EV/EBITDA Low	56.12	46.89	114.15	186.32	3,688.75	382.01	650.55	228.11	129.31	49.76	9.31	139.92	160.52	102.03	120.19
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	19.55	18.07	25.31	29.81	30.82	39.04	39.81	37.84	40.29	24.84	31.52	34.18	33.42	38.22	39.35
High Price	23.86	23.34	26.41	30.8	34	39.65	43.17	47.77	42.02	41.54	35.8	38.39	38.43	45.79	42.95
Enterprise Value Average	470	419	733	984	1,462	1,558	1,815	1,903	1,711	933	368	1,446	1,422	1,392	1,523
Enterprise Value High	598	556	884	1,163	1,603	1,965	2,026	2,087	1,861	1,566	563	1,726	1,739	1,757	1,708
Enterprise Value Low	355	328	609	876	1,313	1,386	1,625	1,665	1,516	600	107	1,263	1,207	1,109	1,255

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	28	30	30	30	35	35	35	35	40	39	39	39	38	38	37
Diluted Weighted Avg Shares	28	30	30	30	35	35	35	35	40	39	39	39	39	39	38
Basic Weighted Avg Shares	28	30	30	30	35	35	35	35	40	39	39	39	38	38	37
Revenue per Share	6.45	6.29	6.31	6.52	6.85	7.39	8.04	8.12	7.57	8.63	8.66	9.59	10.65	10.03	10.75
EBITDA per Share	0.22	0.24	0.18	0.16	0.01	0.1	0.07	0.21	0.3	0.31	0.29	0.23	0.2	0.28	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.41	1.15	1.7	1.94	1.93	2.04	2.09	3.04	2.48	0.54	2.8	3.47	3.79	3.43	3.59
Basic EPS from Cont Ops	1.68	1.15	1.7	1.94	1.93	2.04	2.09	3.04	2.48	0.54	2.8	3.47	3.79	3.43	3.59
Diluted EPS, GAAP	1.41	1.15	1.7	1.94	1.93	2.04	2.09	3.01	2.48	0.54	2.8	3.47	3.75	3.41	3.49
Diluted EPS from Cont Ops	1.68	1.15	1.7	1.94	1.93	2.04	2.09	3.01	2.48	0.54	2.8	3.47	3.75	3.41	3.49
Dividend per Share	0.78	0.58	0.61	0.68	0.7	0.77	0.82	1	0.94	1.12	1.13	1.2	1.3	1.33	1.41
Cash Flow per Share	2.63	2.82	2.89	2.62	1.74	2.77	3.27	3.69	3.5	1.31	5.46	6.17	4.49	4.53	3.57
Free Cash Flow per Basic Share	2.54	2.75	2.8	2.45	1.59	2.67	3.13	3.57	3.37	1.17	5.37	6.07	4.35	4.45	3.44
Cash & Equivalents per Share	22.33	26.57	20.77	25.17	21.84	23.86	23.32	4.48	24.83	25.53	46.58	31.1	31.49	32.21	30.78
Book Value per Share	17.62	17.29	18.37	19.53	18.23	19.37	20.54	22.84	21.86	20.71	22.29	24.81	27.81	29.87	32.72
Tangible Book Value per Share	11.36	11.98	13.17	14.43	14.19	15.62	16.83	18.62	20.46	19.66	20.99	20.66	23.7	26.24	29.09

S&T Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)