S&T Bancorp (STBA)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $1.8B, S&T Bancorp's free cash flow of $129M (fiscal 2025) would need to grow about 0% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from S&T Bancorp's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from STBA's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from S&T Bancorp's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $341M | $374M | $407M | $384M | $402M |
| Net income | $110M | $136M | $145M | $131M | $134M |
| Free cash flow | $211M | $237M | $166M | $170M | $129M |
| EPS (diluted) | $2.81 | $3.46 | $3.74 | $3.41 | $3.49 |
| Operating margin | — | — | — | — | — |
Superinvestors who own STBA
From each investor's latest 13F filing (what a 13F shows). 1 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
Trimmed | $5M | 0.00% | Q2 2026 |
Insider buying
Open-market purchases by S&T Bancorp's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Oct 28, 2025 | Jeffrey D Grube |
2,500 | $36.55 | $91,375 |
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In the full deep dive
Questions
What growth does S&T Bancorp's stock price imply?
At a market value of $1.8B, S&T Bancorp would need its free cash flow to grow about 0% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 4% a year.
Are S&T Bancorp insiders buying the stock?
1 open-market insider purchase of STBA in the last 12 months, from SEC Form 4 filings.
Which superinvestors own S&T Bancorp?
1 of the superinvestors Investingly tracks hold STBA in their latest 13F, including Cliff Asness.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.