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Stock Ratings / Financials / STBA / earnings
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S&T Bancorp Inc. (STBA) Next Earnings Date & Expected ±4.1% Move

$51.27 -1.46% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $51.04

S&T Bancorp Inc. (STBA) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.83B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on STBA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is STBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, S&T Bancorp Inc. (NASDAQ: STBA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $51.27 (-1.46% 1D, market cap $1.83B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, STBA ranks #207 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does STBA compare to OCFC and FSUN in the Financials sector?
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Within the Financials sector (Major Banks), STBA carries a Roarable C+ (66/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 9.2%. By comparison, OCFC (OceanFirst Financial Corp.) holds a D+ grade (54/100 RQD, P/E 26.1x, ROIC 4.0%, cap $1.84B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for STBA?
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Per STBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000719220), S&T Bancorp Inc. generated $4.15B in revenue (+2.2% YoY), $134.2M in net income, and $128.8M in free cash flow against $9.87B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $51.04 (-0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk C
Cash (11)Whales (14)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$63 Bull$53 Base$41 Bear
📬 FREE STBA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for STBA)Realized 20D OHLCV Swing Band: ±4.1%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY STBA SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.1% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$47.97+1.9% Next Q
Q2 (-2Q)
61
Grade C$48.86+3.3% Next Q
Q3 (-1Q)
63
Grade C+$50.48+1.6% Next Q
Current
66
Grade C+$51.27+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the STBA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, STBA faces multiple-compression risk if 13.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($49.63) or 200D SMA ($46.59) invalidates the momentum regime and cuts Target Base ($53.12) toward Bear Floor ($41.43).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $STBA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “STBA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±4.1% Swing Band

±$2.10 Expected Swing
$49.17 (-4.1%)Spot $51.27$53.37 (+4.1%)
MODEL EARNINGS SETUP GAUGE

STBA Quantitative Pre-Earnings Setup: 66/100

Trailing EPS: $3.81 • YoY Revenue Growth: 12.4%

Model Bullish Setup (66/100)Model Risk Weight (34/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$4.15B$134.2M$128.8M52%
FY 20242024-12-31$4.06B$131.3M$170.4M52%
FY 20232023-12-31$652.6M$144.8M$171.7M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating STBA & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on STBA
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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STBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.52%▲ RESISTANCE BREAKOUT
2026-11-04O $50.55H $52.03L $50.55C $51.27VOL 237.9K
RES: $48.35SUP: $46.89SMA50: $49.63SMA200: $46.59
$54.44$50.55$46.66$42.76$38.87RES $48.35SUP $46.89$51.272026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

STBA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 STBA Butterfly Map → + Track STBA →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.8%/yr Implied 5Y Growth

vs. +2.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on STBA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for STBA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for STBA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (STBA)

Financials Rank #207 of 1097 ⚔️ OCFC vs STBA Full Matrix →

1. Head-to-Head Financials Peer Comparison (STBA vs. OCFC, FSUN, RBCAA, DCOM)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, S&T Bancorp Inc. (STBA) ranks #207 by composite RQD confidence (66/100, grade C+) and #442 by equity capitalization ($1.83B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. DCOM currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with STBA at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
STBA ACTIVE
S&T Bancorp Inc.
C+ 66/100 13.4x — 9.2% -1.46% $1.83B Benchmark Subject
OCFC
OceanFirst Financial Corp.
D+ 54/100 26.1x — 4.0% -1.77% $1.84B /ocfc-vs-stba →
FSUN
FirstSun Capital Bancorp
C 63/100 18.3x — 8.5% -0.35% $1.83B /fsun-vs-stba →
RBCAA
Republic Bancorp Inc. (Class A)
C 65/100 13.7x — 11.9% -1.36% $1.81B /rbcaa-vs-stba →
DCOM
Dime Commercial Bancshares Inc.
B- 70/100 16.9x — 7.5% -1.08% $1.87B /dcom-vs-stba →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000719220 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), S&T Bancorp Inc. (STBA) reported GAAP revenue of $4.15B (+2.2% vs. FY2024 revenue of $4.06B , and +535.2% cumulative change since FY2023) , GAAP net income of $134.2M, operating cash flow of $133.6M, and free cash flow of $128.8M (-24.4% YoY). On the balance sheet, STBA closed FY2025 with $9.87B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.15B $134.2M $133.6M $128.8M $9.87B —
FY2024 (FY) 2024-12-31 $4.06B $131.3M $173.4M $170.4M $9.66B —
FY2023 (FY) 2023-12-31 $652.6M $144.8M $171.7M $171.7M — —

3. STBA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is STBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, S&T Bancorp Inc. (NASDAQ: STBA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $51.27 (-1.46% 1D, market cap $1.83B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, STBA ranks #207 in composite RQD confidence.

How does STBA compare to OCFC and FSUN in the Financials sector?

Within the Financials sector (Major Banks), STBA carries a Roarable C+ (66/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 9.2%. By comparison, OCFC (OceanFirst Financial Corp.) holds a D+ grade (54/100 RQD, P/E 26.1x, ROIC 4.0%, cap $1.84B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for STBA?

Per STBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000719220), S&T Bancorp Inc. generated $4.15B in revenue (+2.2% YoY), $134.2M in net income, and $128.8M in free cash flow against $9.87B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is STBA trading relative to its 50-day, 200-day, and 52-week technical levels?

STBA last traded at $51.27 (-1.46% on volume of 214,062 shares), positioning the stock +3.30% above its 50-day simple moving average ($49.63) and +10.05% above its 200-day simple moving average ($46.59). Across its 52-week range of $36.39 to $53.50, STBA sits at the 87.0% percentile with a 14-day RSI of 63.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($49.17 to $53.37).

Direct Sub-Reports: STBA RQD Cockpit STBA 12M Forecast STBA Earnings & Move STBA Dividends & DRIP STBA Insiders & 13F STBA Whale Options STBA Profit Sankey STBA News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

STBA — S&T Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

S&T Bancorp Inc. (STBA) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $51.27 (-1.46% 1D, market capitalization $1.83B).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 9.2%, gross margin of —, operating margin of —, and free cash flow yield of 7.15%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

S&T Bancorp Inc. (STBA) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $1.78B. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 9.2% (free cash flow yield of 7.15%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), S&T Bancorp Inc. (STBA) reported $4.15B in annual revenue (up from $4.06B in FY2024, +2.2% YoY) and $134.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($652.6M revenue, $144.8M net income) through FY2025, STBA scaled operating cash flow to $133.6M and free cash flow to $128.8M, backed by $9.87B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.15% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $36.39 – $53.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), STBA carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can STBA sustain or expand its — operating margin and 9.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.15B and free cash flow of $128.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is STBA's 12.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

STBA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for S&T Bancorp Inc. (STBA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to STBA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

STBA Bull vs. Bear Conversation Board — What's Your Call at $51.27?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON STBA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on STBA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $58.64 (+16.0%)
📌 Pinned Debate

Insider conviction (16/20) and a 7.15% FCF yield provide the strongest support in the Roarable rating.

Picked up a starter position in STBA in my $100K Virtual Cash book at $50.55. Insider conviction (16/20) and a 7.15% FCF yield provide the strongest support in the Roarable rating.. Trading inside a $36.13–$53.50 52-week range with 7.15% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX 🐂 BULL

Both sides have a point here — STBA's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $42.97 (-15.0%)
Spot @ $50.55

Declining FCF from $171.7M to $128.8M and a fundamental cash engine score of 11/20 weigh against the stock.

Fading this rally in STBA at $50.55. Declining FCF from $171.7M to $128.8M and a fundamental cash engine score of 11/20 weigh against the stock.. With a beta of 1.0 and the stock sitting at $50.55 (52-wk range $36.13–$53.50), the easy multiple expansion is already priced in.

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