S&T BANCORP INC (STBA)
State Commercial Banks · Financial Services · $1.7B
Intrinsic Value (Consensus)
$51.54
Current Price
$47.32
Margin of Safety
+8.9%
8.9% Below Intrinsic Value
Value: $52
Price: $47
Valuation Model Estimates
Current Price: $47.32
DCF (Discounted Cash Flow)
$46.18
Graham Number
$56.30
Earnings Power Value
$33.88
Relative Value (P/E)
$69.80
Dividend Discount Model
$4.53
Consensus Value
$51.54
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.3%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
58
Profitability
15/25
Strength
24/25
Valuation
15/25
Growth
4/25
Financial Health Signals
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $3.49
- EPS (Forward)
- $3.57
- Book Value
- $40.37
- P/E Ratio
- 20.0
- Forward P/E
- 19.5
- PEG Ratio
- —
- ROE
- 9.2%
- Debt/Equity
- 2%
- Revenue Growth
- N/A
- Earnings Growth
- 2.3%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance