STBA · S&T Bancorp Inc
$50.11
-0.64 (-1.26%)
At close · Aug 19
Market Cap
$1.79B
Shares
35.27M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$50.11
Open$50.96
Day$49.92–50.96
52W close$34.65–53.36
Avg vol 30d256K
Short int2.1M · 6.0% float · 6.6d
Short vol78%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+1%
above
RSI (14)
45
neutral
MACD trend
Negative
52-week position
83%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+17%
trailing
YTD return
+27%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $50 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$887.1K over 90 days · 100% sells
Short interest
Rising
5.96% of float · ▲ +6.2% MoM · 6.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
240 holders — near 3-yr high, broad support
Squeeze score
65
elevated · 0–100
Fundamentals
EPS growth
+2%
Y/Y
Free cash flow
$128.8M
Valuation
P/E 13.5
in line
Buyback
$200.0M
authorized
Balance sheet
$116.7M
net debt
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Non-interest expense quarterly run rate
· 2026
up to $58M
Non-interest expense
· 2026
up to 3%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2024
Equilibrium net interest margin rate
· 2025
3.7% – 3.79%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
45
Neutral
MACD trend
Negative
Bearish
52-week position
83%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $50 › 200d $44 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +34 funds added
Insider flow
Distributing
Net -$887.1K over 90 days · 100% sells
Short interest
Rising
5.96% of float · ▲ +6.2% MoM · 6.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
240 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $35
Now $50 · 83%
Range high $53
vs 200-day avg +15%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses (ACL) as percentage of total portfolio loans | 1.16% | Q2 2026 | — |
|
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| Allowance for credit losses / nonaccrual loans | 232% | Q2 2026 | — |
| Deposit decline | -$99.1M | 2Q26 | — |
| Efficiency ratio (FTE) (non-GAAP) non-GAAP | 55.38% | Six Months Ended June 30, 2026 | — |
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| Efficiency Ratio (FTE)* non-GAAP | 55.52% | 2Q26 | — |
| Loan growth | $99M | 2Q26 | — |
| Net charge-offs | $1M | Q2 2026 | — |
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| Net charge-offs as percentage of average loans | 0.05% | Q2 2026 | — |
|
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| Net Interest Margin (FTE) (non-GAAP) (YTD Averages) non-GAAP | 3.95% | Six Months Ended June 30, 2026 | — |
| Net interest margin on a fully taxable equivalent basis (NIM) (FTE) non-GAAP | 3.99% | Q2 2026 | — |
| Net loan charge-offs | $1M | 2Q26 | — |
| Net loan charge-offs (annualized) / average loans | 0.07% | Six Months Ended June 30, 2026 | — |
| Nonperforming Assets | $40.2M | 2Q26 | — |
| Nonperforming assets (NPAs) as percentage of total loans plus OREO | 0.5% | Q2 2026 | — |
| Pre-provision Net Revenue (PPNR)/Average Assets (non-GAAP) non-GAAP | 1.89% | 2Q26 | — |
| Pre-provision net revenue / average assets (non-GAAP) non-GAAP | 1.88% | Six Months Ended June 30, 2026 | — |
| Pre-provision net revenue to average assets (PPNR) non-GAAP | 1.89% | Q2 2026 | — |
| return on average assets (ROA) | 1.49% | Q2 2026 | — |
| return on average equity (ROE) | 10.37% | Q2 2026 | — |
| Return on average tangible shareholders' equity (non-GAAP) non-GAAP | 13.68% | Six Months Ended June 30, 2026 | — |
|
|
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| Share repurchases (shares) | 1.1M | 2Q26 | — |
| Share repurchases (value) | $47.6M | 2Q26 | — |
| Shares repurchased | 1,074,924 | Q2 2026 | — |
| Tangible book value (non-GAAP) non-GAAP | $29.18 | Q2 2026 | — |
|
|
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| Tangible common equity / tangible assets (non-GAAP) non-GAAP | 10.75% | Q2 2026 | — |
| Total Net Loan Charge-offs | 2.68M | Six Months Ended June 30, 2026 | — |
| Share repurchases | 1,146,100 | first quarter of 2026 | — |
| Net interest margin on a fully taxable equivalent basis (non-GAAP) non-GAAP | 3.99% | Q4 2025 | — |
| Pre-provision net revenue to average assets (non-GAAP) non-GAAP | 1.82% | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
STBA
this stock
S&T Bancorp Inc
|
$1.79B | +27.3% | — | 13.5 | 6.0% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| STBA | -2.6% | +0.3% | +16.5% | -4.0% | +27.3% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.2% | -2.6% | +4.9% | -7.0% | +14.6% |
Capital returns
Latest dividend
$0.37
/ share · ex Aug 18, 2026
Paid (TTM)
$1.46
/ share · 4 payouts
Dividend yield (TTM, derived)
2.91%
Buyback programs
· 2 active
· as of Jul 27, 2026
Authorized (total)
$200.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.