STBA S&T Bancorp PE ratio, current and historical analysis
As of Jul 14, 2025, the STBA stock has a PE ratio of 11.4. The calculation is based on the latest EPS of $3.48 and the stock price of $39.67 per share. An increase of 6% has been observed in the PE ratio compared to its average of 10.8 of the past four quarters.
STBA PE ratio history
The mean historical PE ratio of S&T Bancorp over the last ten years is 14.93. The current 11.4 price-to-earnings ratio is 24% less than the historical average. Analyzing the last ten years, STBA's PE ratio reached its highest point in the Dec 2020 quarter at 46, with a price of $24.84 and an EPS of $0.54. The Jun 2023 quarter saw the lowest point at 6.97, with a price of $27.19 and an EPS of $3.9.
S&T Bancorp PE ratio history chart
S&T Bancorp PE ratio by year
Maximum annual increase: 224.17% in 2020
Maximum annual decrease: -93.06% in 2010
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 11.14 | 25.31% | $38.22 | $3.43 |
| 2023 | 8.89 | -9.75% | $33.42 | $3.76 |
| 2022 | 9.85 | -12.21% | $34.18 | $3.47 |
| 2021 | 11.22 | -75.61% | $31.52 | $2.81 |
| 2020 | 46 | 224.17% | $24.84 | $0.54 |
| 2019 | 14.19 | 13.61% | $40.29 | $2.84 |
| 2018 | 12.49 | -34.12% | $37.84 | $3.03 |
| 2017 | 18.96 | 0.05% | $39.81 | $2.1 |
| 2016 | 18.95 | 21.71% | $39.04 | $2.06 |
| 2015 | 15.57 | 1.83% | $30.82 | $1.98 |
| 2014 | 15.29 | 2.69% | $29.81 | $1.95 |
| 2013 | 14.89 | -2.74% | $25.31 | $1.7 |
| 2012 | 15.31 | 10.38% | $18.07 | $1.18 |
| 2011 | 13.87 | -17.73% | $19.55 | $1.41 |
| 2010 | 16.86 | -93.06% | $22.59 | $1.34 |
S&T Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 10.65 | -4.4% | $37.05 | $3.48 |
| Dec 2024 | 11.14 | -6.07% | $38.22 | $3.43 |
| Sep 2024 | 11.86 | 26.84% | $41.97 | $3.54 |
| Jun 2024 | 9.35 | 3.77% | $33.39 | $3.57 |
| Mar 2024 | 9.01 | 1.35% | $32.08 | $3.56 |
| Dec 2023 | 8.89 | 25.74% | $33.42 | $3.76 |
| Sep 2023 | 7.07 | 1.43% | $27.08 | $3.83 |
| Jun 2023 | 6.97 | -16.92% | $27.19 | $3.9 |
| Mar 2023 | 8.39 | -14.82% | $31.45 | $3.75 |
| Dec 2022 | 9.85 | 0.51% | $34.18 | $3.47 |
| Sep 2022 | 9.8 | -1.71% | $29.31 | $2.99 |
| Jun 2022 | 9.97 | -7.69% | $27.43 | $2.75 |
| Mar 2022 | 10.8 | -3.74% | $29.58 | $2.74 |
| Dec 2021 | 11.22 | 9.25% | $31.52 | $2.81 |
| Sep 2021 | 10.27 | -14.98% | $29.47 | $2.87 |
STBA Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. The fair P/E value is capped at 100 to prevent distortions caused by extreme EPS growth rates, such as those resulting from large percentage increases from a low base.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
STBA average PE ratio chart
Currently, STBA's PE ratio is above its 3-year average, but it is under its 5 and 10-year averages.
PE vs average
STBA PE vs peers
STBA's PE ratio is below its peer stocks MTB and FNB. S&T Bancorp's current PE ratio of 11.4 is less than the average of its peers, which is 12.72.
| Stock name | PE ratio | Market cap |
|---|---|---|
| STBA S&T Bancorp Inc | 11.2 | $1.49B |
| CZNC Citizens & Northern Corp | 11.22 | $304.31M |
| PWOD Penns Woods Bancorp Inc | 11.29 | $242.36M |
| UVSP UNIVEST FINANCIAL Corp | 11.76 | $910.01M |
| FNB Fnb Corp | 12.46 | $5.65B |
| TMP Tompkins Financial Corp | 12.63 | $942.71M |
| FCF First Commonwealth Financial Corp | 12.66 | $1.78B |
| MTB M&T Bank Corp | 13.33 | $32.1B |
| ACNB Acnb Corp | 14.68 | $449.11M |
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Frequently asked questions
What is S&T Bancorp's PE ratio?
STBA's price to earnings ratio is 11.4 as of Jul 14, 2025.
What is the 3-year average PE ratio for S&T Bancorp (STBA)?
As an average over the last 3 years, STBA stock has a PE ratio of 9.36.
What is the 5-year average PE ratio for S&T Bancorp (STBA)?
As an average over the last 5 years, STBA stock has a PE ratio of 14.17.
What is the highest PE ratio for STBA?
Over the last ten years, the Dec 2020 quarter recorded the highest quarterly PE ratio at 46.
How does the current PE ratio for STBA compare to its historical average?
STBA's current price to earnings ratio is 24% below its 10-year historical average.
How is STBA's PE ratio calculated (S&T Bancorp PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jul 14, 2025), S&T Bancorp's share price is $39.67. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $3.48. Therefore, S&T Bancorp's price to earnings ratio for today is 11.4. PE RATIO(11.4) = STOCK PRICE($39.67) / TTM EPS($3.48)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.