STBA Stock Analysis: Buy, Sell, or Hold?
STBA - S&T Bancorp Inc
$52.15
-0.06 (-0.11%)
▼
5d:
+0.7%
30d:
+4.47%
90d:
+18.17%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: STBA is fairly valued with market pricing in 3.8% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: STBA is fairly valued with market pricing in 3.8% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$53.08
Based on 2.7% avg growth
INTRINSIC VALUE TODAY
$32.96
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: STBA is currently trading at $52.15, which is considered extended relative to its 30-day fair value range of $48.57 to $51.46. From a valuation perspective, the stock is trading at a premium (Forward PE: 13.1) compared to its historical average (11.7). At these levels, the market is pricing in 3.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, STBA is in a strong uptrend. The price is approaching resistance at $53.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: STBA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, STBA is in a strong uptrend. The price is approaching resistance at $53.50. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: STBA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$48.57 -
$51.46
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($53.00)
- NEUTRAL: Market pricing in 3.8% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$48.57 -
$51.46
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$48.99
Resistance Level
$53.50
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.10
Wall Street Target
$53.00
(+1.6%)
Revenue Growth (YoY)
6.1%
Earnings Growth (YoY)
22.6%
Profit Margin
34.8%
Valuation Premium vs History
+3.8% premium
PE vs Historical
13.1 vs 11.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.8%
(market-implied from PE analysis)
1-Year Target
$54.13
(+4%)
2-Year Target
$56.19
(+8%)
3-Year Target
$58.32
(+12%)
3-Yr Target (if PE normalizes)
(PE: 13→12)
PE COMPRESSION
$52.10
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 1.3%)
$85.82
(+65%)
Base:
(SPY PE: 13.1, Growth: 1.3%)
$54.22
(+4%)
Bear:
(PE: 11.1, Growth: 1.3%)
$46.09
(-12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 14.07 | Current EPS (TTM): $3.71
Bull Case
$61.63
(+18%)
Analyst growth 7.3%, PE expands to 15.5
Base Case
$56.03
(+7%)
Market implied 7.3%, PE stable at 14.1
Bear Case
$35.50
(-32%)
Severe decline -20.0%, PE contracts to 12.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 8:03 PM ET
Data refreshes hourly during market hours. Next update: 9:03 PM
Data refreshes hourly during market hours. Next update: 9:03 PM
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Technical Signals Check
Is STBA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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