How profitable is S&T Bancorp Inc. (STBA)?

In FY 2025 (10-K), STBA converted $4.1B of revenue into a 52% gross margin, 0% operating margin, and $128.8M in free cash flow (3.1% FCF margin).

Stock Ratings / Financials / STBA / financials

OCFC (54) FSUN (63) RBCAA (65) DCOM (70) ⌘ Pro Terminal →

S&T Bancorp Inc. (STBA) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$52.03 +2.93% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $52.21

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 $52.03 (+2.93% 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: $52.21 (+0.34%)🧬 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+

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

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

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)

Grade C$47.97+1.9% Next Q

Q2 (-2Q)

Grade C$48.86+3.3% Next Q

Q3 (-1Q)

Grade C+$50.48+3.1% Next Q

Current

Grade C+$52.03+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 ($53.90) toward Bear Floor ($42.04).

🎲 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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How STBA Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$128.8M (3.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $652.6M

FY24

Rev $4.06B

FY25

Rev $4.15B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.15B	52%	0%	$134.2M	$128.8M	9.2%
FY 2024	$4.06B	52%	0%	$131.3M	$170.4M	9.2%
FY 2023	$652.6M	46.6%	0%	$144.8M	$171.7M	9.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring STBA)

✓Walkthrough of STBA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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STBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.22%▲ RESISTANCE BREAKOUT

2026-11-04O $50.55H $52.03L $50.55C $52.03VOL 237.9K

RES: $48.35SUP: $46.89SMA50: $49.63SMA200: $46.59

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%	+2.93%	$1.83B	Benchmark Subject
OCFC OceanFirst Financial Corp.	D+	54/100	26.1x	—	4.0%	+4.07%	$1.84B	/ocfc-vs-stba →
FSUN FirstSun Capital Bancorp	C	63/100	18.3x	—	8.5%	+2.48%	$1.83B	/fsun-vs-stba →
RBCAA Republic Bancorp Inc. (Class A)	C	65/100	13.7x	—	11.9%	+2.37%	$1.81B	/rbcaa-vs-stba →
DCOM Dime Commercial Bancshares Inc.	B-	70/100	16.9x	—	7.5%	+2.20%	$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?

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

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

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

STBA last traded at $52.03 (+2.93% on volume of 237,904 shares), positioning the stock +4.84% above its 50-day simple moving average ($49.63) and +11.68% above its 200-day simple moving average ($46.59). Across its 52-week range of $36.39 to $53.50, STBA sits at the 91.4% percentile with a 14-day RSI of 63.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($49.90 to $54.16).

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 $52.03 (+2.93% 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) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

S&T Bancorp (STBA) stock is up, what you need to know

Yahoo Finance report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST TradingView • 1d ago

S&T Bancorp’s (NASDAQ:STBA) Q3 2026 sales beat estimates

TradingView report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 2d ago

S&T Bancorp (STBA) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

A 38-cent dividend is payable Nov. 27 to S&T Bancorp shareholders

Stock Titan report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Piper Sandler Issues Positive Forecast for S&T Bancorp (NASDAQ:STBA) Stock Price

MarketBeat report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 2d ago

S&T Bancorp (STBA) Stock Gains Ground As Q3 Earnings Keep Margins Strong

Simply Wall St report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 2d ago

S&T Bancorp, Inc. Estimates – NASDAQ:STBA

TradingView report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 2d ago

Regional Banks Stocks Q2 Results: Benchmarking S&T Bancorp (NASDAQ:STBA)

Yahoo Finance report covering S&T Bancorp Inc. (STBA) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

STBA Bull vs. Bear Conversation Board — What's Your Call at $52.03?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON STBA 🐻 33% BEARISH CONVICTION

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.