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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	8.23	6.65	9.12	9.82	9.58	8.74	8.46	11.58	9.23	1.79	9.35	11.34	11.73	9.86	9.44
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 (%)	6.82	4.8	6.67	6.65	5.9	4.97	4.74	6.93	6.32	- -	8.49	9.32	8.49	7.68	7.99
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	5.27	3.28	5.84	6.39	6.08	5.46	5.14	7.78	5.72	-1.95	5.59	7.41	7.7	6.03	5.72

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.91	11.87	12.6	12.25	12.54	12.13	12.52	12.9	13.6	12.88	12.71	13	13.44	14.29	14.83
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 (%)	17.8	16.92	8.66	6.75	12.41	3.86	6.13	7.62	7.25	6.66	5.99	4.26	4.96	6.15	5.8
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 (%)	28.7	27.09	26.64	36.85	39.57	46.11	41.72	38.51	24.96	12.35	5.99	27.05	28.18	15.35	15.34
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 (%)	-17.49	-34.55	14.78	28.75	34.61	40.82	36.85	31.51	14.28	-6.15	-234.14	16.21	17.38	0.4	6.51
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.91	11.87	12.6	12.25	12.54	12.13	12.52	12.9	13.6	12.88	12.71	13	13.44	14.29	14.83
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 (%)	17.8	16.92	8.66	6.75	12.41	3.86	6.13	7.62	7.25	6.66	5.99	4.26	4.96	6.15	5.8
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 (%)	28.7	27.09	26.64	36.85	39.57	46.11	41.72	38.51	24.96	12.35	5.99	27.05	28.18	15.35	15.34
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	688	737	779	963	1,311	1,562	1,517	1,522	1,588	1,317	1,283	1,624	1,787	1,631	1,729
Total Debt/Capital (%)	28.7	27.09	26.64	36.85	39.57	46.11	41.72	38.51	24.96	12.35	5.99	27.05	28.18	15.35	15.34
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.61	- -	3.98	6.32	13.72	12.92	10.59	13.61	7.28	- -	- -	2.33	3.36	2.77	4.39
EV/Free Cash Flow to Firm	1.67	- -	4.11	6.76	14.99	13.41	11.04	14.07	7.57	- -	- -	2.36	3.47	2.82	4.55
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	119	-53	342	493	831	1,250	1,210	1,754	1,008	136	-516	560	591	490	629
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	74	84	86	78	61	97	114	128	138	- -	215	241	172	173	134
TTM Free Cash Flow to Firm	71	82	83	73	55	93	110	124	133	- -	211	237	166	170	129

Multiples (USD)

Valuation Multiples API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.71	6.58	9.04	12.16	19.35	14.62	12.71	10.69	11.96	21.16	5.87	5.64	7.77	8.64	11.76
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	47.5	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	77.58	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	1.12	1	1.32	1.46	1.35	1.62	1.57	1.4	1.34	0.85	1.03	1.13	1	1.06	1.01
Price/Book Value Average	1.11	1.04	1.11	1.21	1.32	1.16	1.47	1.57	1.27	0.87	1.01	1.03	0.9	1	0.97
Price/Book Value High	1.37	1.29	1.37	1.51	1.49	1.64	1.71	1.77	1.39	1.41	1.17	1.26	1.14	1.27	1.1
Price/Book Value Low	0.87	0.87	0.89	1.04	1.13	0.96	1.25	1.32	1.11	0.58	0.79	0.87	0.73	0.8	0.79
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	31.66	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	7.61	6.82	7.61	10.12	18.8	10.48	11.86	11.99	11.35	21.66	5.74	5.15	7.01	8.19	11.35
Price/Free Cash Flow High	9.4	8.49	9.43	12.57	21.34	14.85	13.78	13.49	12.47	35.38	6.67	6.33	8.94	10.35	12.83
Price/Free Cash Flow Low	6	5.71	6.12	8.64	16.12	8.63	10.13	10.05	9.88	14.46	4.51	4.37	5.7	6.52	9.21
EV/Sales Average	0.62	- -	1.19	1.77	3.36	3.35	3.97	6.76	3.1	0.47	- -	1.18	1.11	1.05	1.33
EV/Sales High	1.33	0.55	2	2.69	3.95	4.93	4.72	7.41	3.6	2.33	- -	1.93	1.89	2.01	1.79
EV/Sales Low	- -	- -	0.53	1.21	2.73	2.69	3.3	5.91	2.44	- -	- -	0.7	0.58	0.31	0.67
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	112	-33	223	344	801	865	1,117	1,903	927	159	-543	443	452	404	535
Enterprise Value High	241	104	375	523	942	1,272	1,327	2,087	1,077	792	-348	724	769	770	721
Enterprise Value Low	-3	-124	99	236	652	692	927	1,665	732	-173	-804	260	237	121	268

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	17.44	18.08	19.21	20.42	22.76	24.12	25.28	26.98	30.13	29.38	30.66	30.38	33.57	36.08	39.14
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