STBA Stock Analysis: Buy, Sell, or Hold?
STBA - S&T Bancorp Inc
$42.64
0.54 (1.28%)
▲
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: STBA shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: STBA shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.84
Based on 4.0% avg growth
INTRINSIC VALUE TODAY
$32.19
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 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: STBA is currently trading at $42.64, which is considered extended relative to its 30-day fair value range of $39.61 to $41.74. The stock's valuation (Forward PE: 11.2) is in line with its historical norms (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.6% over the next few years. This pessimistic expectation contrasts with the company's recent 3.9% 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 $43.90. 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 uptrend. The price is approaching resistance at $43.90. 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
Fair Price Range
$39.61 -
$41.74
Company Quality Score
66/100
(BUY)
Options IV Signal
62th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
59.6%
Protect Your Profits
Holding STBA? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 62th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($43.80)
Fair Price Analysis
30-Day Fair Range
$39.61 -
$41.74
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$2.45
(5.8%)
Support & Resistance Levels
Support Level
$39.85
Resistance Level
$43.90
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
11.24
Wall Street Target
$43.80
(+4.0%)
Revenue Growth (YoY)
-0.1%
Earnings Growth (YoY)
3.9%
Profit Margin
34.0%
Valuation Discount vs History
-0.6% cheaper
PE vs Historical
11.2 vs 11.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.6%
(market-implied from PE analysis)
1-Year Target
$41.85
(-1%)
2-Year Target
$41.60
(-1%)
3-Year Target
$41.35
(-2%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$41.95
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 3.9%)
$93.72
(+123%)
Base:
(SPY PE: 11.2, Growth: 3.9%)
$47.22
(+12%)
Bear:
(PE: 9.6, Growth: 3.9%)
$40.14
(-5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.95 | Current EPS (TTM): $3.49
Bull Case
$49.23
(+16%)
Analyst growth 7.4%, PE expands to 13.1
Base Case
$44.76
(+5%)
Market implied 7.4%, PE stable at 12.0
Bear Case
$28.35
(-34%)
Severe decline -20.0%, PE contracts to 10.2
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 11.2 to 11.4
Stabilization Target:
$42.71
(+1.5%)
PE Expansion Potential:
+1.5%
Last updated: January 30, 2026 11:13 PM ET
Data refreshes hourly during market hours. Next update: 12:13 AM
Data refreshes hourly during market hours. Next update: 12:13 AM
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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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Advanced STBA Option Strategies
Professional options setups generated by AI based on today's STBA price and gamma walls.
