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All STBASEC filings, by type → · Earnings date & implied move · Search inside filings
S&T BANCORP INC (STBA) is a state commercial banks company. 14 insider Form 4 filings in the last 90 days. Next earnings projected around 2026-10-22 from STBA's year-over-year reporting pattern (not yet company-confirmed). Fundamentals from SEC filings; prices are end-of-day.
What’s behind STBA’s latest move — the size, how unusual the volume is, and the catalyst on the tape, explained and cited to the source.
EOD daily bars · delayed, not real-time · data: DatabentoCharting by TradingView Lightweight Charts™
XBRL company facts, SEC EDGAR. TTM = last four reported quarters. Valuation ratios arrive with a price source — we don't fake quotes.
Estimates, not targets. The DCF treats free cash flow as cash flow to equity and divides by shares (the common retail shortcut — it skips net debt and a full WACC), so it’s a sanity-check, not a valuation opinion. All inputs are from STBA’s SEC filings; change any assumption above and the numbers update live. Educational only — not investment advice.
Not reported in XBRL for this filer.
A plain-English read on STBA plus an auto-SWOT — built from STBA's SEC filings and market data, every point cited, nothing invented. Educational, not investment advice.
Four AI analysts — a bull, a bear, a risk manager, and a PM — debate STBA using only the SEC-filing and market facts below. Every point cites its evidence; nothing is invented. This is educational research, not investment advice.
Educational only — not financial advice. Data from SEC EDGAR public filings; no live market data is shown. Figures reflect the company's own reported XBRL facts and may lag.
Has STBA been issuing shares? Offering history →
The fair-value line is STBA’s own median P/E, P/S, P/B and P/FCF applied to each year’s fundamentals — the price its typical valuation would have implied. Where the solid line sits above the dashed one, the stock traded at a premium to its own history that year; below, a discount. This is a description of past valuation, computed from STBA’s filings and price history — not a forecast and not investment advice. A stock can trade above or below its own median for years.
Size is which third of our universe’s market caps STBA falls in. Style weighs cheapness (inverse P/E rank) against revenue growth: the clearly stronger signal decides, and a stock without a dominant one is Core. This is a filing-backed proxy for the full value/growth model — every boundary is a stated percentile you can check, not a proprietary score. Descriptive, not a recommendation.
Total return including reinvested dividends, from STBA’s adjusted closing prices. Past return is not a forecast and not investment advice.
The band is the interquartile range of every estimator that could run on STBA’s filings: the median P/E, P/S, P/B and P/FCF this stock has actually traded at over 18years of history applied to today’s fundamentals, a two-stage discounted-cash-flow estimate. With four or more estimators we take the interquartile range, so a single wild reading cannot define the band; with two or three we show the full spread, because trimming the tails off three points does not remove noise, it manufactures confidence. We publish a range rather than one number because the estimators genuinely disagree, and averaging that disagreement away would hide the most useful part.
Valuation labels describe only where the price sits against that band:
These labels are positional, not predictive. Premium means the current share price sits above the band computed from STBA’s own filings and trading history. It does not mean the stock cannot keep rising, that a fall is expected, or that the market has it wrong. Equally, Discount means the price sits below that band — it does not imply the stock is cheap in any meaningful sense, that it is worth buying, or that the market has mispriced it. A company can trade above or below its own historical range for years, and often does, for reasons the range knows nothing about.
The labels describe where today’s price falls against a calculated band. Nothing more than that.
Measured disagreement is our answer to a locked “uncertainty rating”: it is simply how far the estimators spread as a share of the midpoint, tiered Low / Moderate / High / Extreme, with the raw spread shown beside it. A wide band earns a high tier because the answer then depends heavily on which yardstick you pick — that is a finding, not a defect.
Filing health is computed separately and never looks at price. It reads the Piotroski F-Score, the Altman Z-Score and the Beneish M-Score straight from the filings: means none of them flagged, means one moderate flag, means a distress or manipulation flag, or several softer ones. For banks and insurers it reads : all three scores were built on non-financial companies and their authors excluded financials, so for a balance-sheet business they measure the shape of the business rather than its health. Keeping the two axes apart is deliberate — a cheap company with weak filings is a very different object from a cheap company with sound ones, and a single blended verdict would hide which you are looking at.
This is a computed description of a security against a published formula — not investment advice, not a recommendation, and not a price target. Labels describe STBA against the band above; they say nothing about whether it suits your circumstances. Historical multiples are not a forecast, and a company can stay outside its own historical range for years. Educational information only.
Why some estimators are skipped. A multiple can be arithmetically computable and still meaningless. GAAP depreciation crushes REIT earnings, so we do not price a REIT off P/E; revenue and free cash flow are not comparable measures for a bank or an insurer, so those are dropped too. We would rather show you the estimators we trust and name every one we withheld, with the reason, than quietly fold in a number we do not believe.
Every number above is arithmetic you can redo. The inputs are STBA’s own SEC filings and our price history; the formulas are stated on this page. There is no proprietary black box, and there is nothing here you have to take on trust.
The score is passed over computable, not passed out of five. If only three tests could be run on STBA’s filings, the score is out of three and the other two are listed with the reason they were skipped. Scoring a skipped test as a failure would punish a company for how its industry reports, and scoring it as a pass would flatter one.
Labels come from that ratio:
Below three computable tests we publish no label at all and show the individual results instead. A summary drawn from one or two tests is not a summary.
Free cash flow coverage carries the most weight in practice, because dividends are paid in cash and free cash flow is the cash actually available to pay them. The earnings payout ratio is the better-known test but the weaker one — earnings are an accounting figure, dividends are not. Where the two disagree, believe the cash.
Why tests get skipped.A REIT gets no earnings payout ratio: GAAP depreciation on appreciating property understates a REIT’s distributable earnings, which is exactly why the industry reports FFO and why REITs are required to distribute most of their taxable income. Banks and insurers get no leverage test, because deposits are debt and structurally high leverage is what a balance-sheet business is, not a warning sign.
The biggest limitation, stated plainly. The coverage tests read a single fiscal year, and one year of cash flow is far more volatile than a dividend record. A legal settlement, a tax payment or an acquisition can sink coverage in a year that says nothing about the dividend. Where a weak year contradicts a long unbroken record, we say so above rather than letting the harsher number stand alone — but you should still check what happened in that specific year.
The streak is the weakest test here, and it is deliberately listed last. Every dividend that was ever cut had an unbroken streak right up until the year it was cut. A freeze does not break the run — a company that holds its dividend flat through a bad year has not cut it — so raises are counted separately, and a long flat run cannot pass itself off as dividend growth.
Every figure above is from STBA’s own SEC filings and the arithmetic is stated on this page. This describes what the filings show about the dividend’s coverage — it is not a prediction that the dividend will or will not be cut, not a recommendation, and not investment advice. A covered dividend can still be cut, and a strained one can still be maintained for years. Educational information only.
Both dividends and buybacks are in use — a mixed return policy. Buybacks flex with cash flow; dividends carry a stronger implicit commitment to maintain.
Every figure is from STBA’s SEC cash-flow statement. This describes how management deployed cash last period — it is not a grade of that deployment, not a forecast, and not investment advice. Whether reinvesting, paying down debt, or returning cash was the right call depends on the return each earns, which the filings do not settle. Educational information only.
Projected from STBA's own SEC 8-K filing history — the year-over-year reporting pattern (about 47% land the exact day, about 91% within a week, measured across 4,713 past reports). No analyst estimates and nothing invented, and every confirmed date links to the source it came from, so you can check it yourself. It upgrades the momentSTBA files or announces.
STBA has sold off after 5 of its last 8 earnings reports.
Each figure is one earnings reaction — how much STBA moved from the closing price the day before a report to the close the day after. Based on its last 8 reports.
Earnings reactions have been mild.
STBA has traded lower after most recent earnings releases.
The average is inflated by its most volatile prints (+4.4% and -6.3%).
A more typical earnings reaction has been approximately ±2.3%.
Realized close-to-close history only — no options-implied move, no analyst estimates.
| Reported | Close-to-close |
|---|---|
| 2026-07-23 | +4.4% |
| 2026-04-23 | -0.4% |
| 2026-01-22 | -2.1% |
| 2025-10-23 | +2.1% |
| 2025-07-24 | -2.5% |
| 2025-04-24 | -0.4% |
| 2025-01-30 |
Earnings dates are the company's 8-K Item 2.02 filings (SEC). Reactions from Databento EOD.
| +3.7% |
| 2024-10-17 | -6.3% |