STBA Stock Analysis: Buy, Sell, or Hold?
STBA - S&T Bancorp Inc
$41.83
0.53 (1.28%)
▲
5d:
+1.83%
30d:
-2.47%
90d:
+4.24%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: STBA shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: STBA shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$52.28
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$32.46
Trading above fair value
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 11.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: STBA is currently trading at $41.83, which is considered fair relative to its 30-day fair value range of $40.07 to $42.84. The stock's valuation (Forward PE: 10.9) is in line with its historical norms (11.3). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 4.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, STBA is in a uptrend. The price is approaching resistance at $42.23. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, STBA is in a uptrend. The price is approaching resistance at $42.23. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$40.07 -
$42.84
Company Quality Score
60/100
(HOLD)
Options IV Signal
62th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
76.9%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 62th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.00)
Fair Price Analysis
30-Day Fair Range
$40.07 -
$42.84
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$2.41
(5.8%)
Support & Resistance Levels
Support Level
$39.11
Resistance Level
$42.23
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.94
Wall Street Target
$45.00
(+9.0%)
Revenue Growth (YoY)
2.9%
Earnings Growth (YoY)
4.0%
Profit Margin
34.0%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
10.9 vs 11.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$40.85
(-1%)
2-Year Target
$40.40
(-2%)
3-Year Target
$39.95
(-3%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$41.27
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 4.3%)
$95.86
(+132%)
Base:
(SPY PE: 10.9, Growth: 4.3%)
$46.92
(+14%)
Bear:
(PE: 9.3, Growth: 4.3%)
$39.88
(-3%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.44 | Current EPS (TTM): $3.49
Bull Case
$47.51
(+16%)
Analyst growth 8.2%, PE expands to 12.6
Base Case
$43.19
(+6%)
Market implied 8.2%, PE stable at 11.4
Bear Case
$27.15
(-34%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.9 to 11.3
Stabilization Target:
$42.67
(+3.3%)
PE Expansion Potential:
+3.3%
Share & Embed Analysis
Last updated: March 31, 2026 4:16 PM ET
Data refreshes hourly during market hours. Next update: 5:16 PM
Data refreshes hourly during market hours. Next update: 5:16 PM
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Technical Signals Check
Is STBA showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Jeffrey D Grube
BUY
2500 shares
2025-10-28
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