S&T Bancorp, Inc. (STBA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$50.89-2.43%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · STBA
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.5% |
| Our one-year growth estimate | diamond | -12.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 21.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
STBA — dividend update
Dated 2026-10-28
Other Events. The board of directors of S&T Bancorp, Inc. (S&T), the holding company for S&T Bank, approved a $0.38 per share cash dividend on October 28, 2026. A copy of the press release is attached hereto as Exhibit 99.1 . This is an increase of $0.01, or 2.70 percent, compared to a cash dividend of $0.37 per share declared in the prior quarter and an increase of $0.02, or 5.56 percent, compared to a cash dividend of $0.36 per share declared in the same period in the prior year. The annual…
Why it matters: The board raised the dividend to $0.38 per share in October. Keeping or raising it would extend a recent pattern of dividend growth.
Supportive ifThe next board update keeps the dividend at or above $0.38 per share.
Worry ifThe next board update cuts the dividend below $0.38 per share.
Why it matters: Net interest margin rose for two straight quarters, reaching 4.06% in Q3. A fall below the Q2 level would break that run.
Worry ifQ4 net interest margin falls below 3.99%.
Less concerning ifQ4 net interest margin stays at or above 4.06%.
Why it matters: Q3 charge-offs doubled from Q2, while nonperforming assets fell. A further rise would weaken the recent credit picture.
Worry ifQ4 net charge-offs exceed 0.10% of average loans.
Less concerning ifQ4 net charge-offs are 0.10% of average loans or less. Nonperforming assets are $36.5 million or less.
Why it matters: Loans rose in Q2, then fell by $4.4 million in Q3. A return to growth would support S&T's customer growth plan.
Supportive ifQ4 total portfolio loans rise from the $8.1 billion reported for Q3.
Worry ifQ4 total portfolio loans fall again from the Q3 level.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$80 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $166 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,139 loss on $10,000 · 11.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: S&T repurchased no shares in Q3 after buying $133.4 million since late 2025. The next update can show how it uses the new plan.
Watch forA later report shows share buybacks under the new $100 million plan. Capital ratios stay above well-capitalized levels.
Also watch forA later report shows no repurchases. It says capital use or capital ratios limit the plan.