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Intrinsic value of S&T Bancorp, Inc. (STBA)

Previous Close$30.42
Intrinsic Value
Upside potential
Previous Close
$30.42
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh31.92 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through five segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers. As of December 31, 2019, it operated 76 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-6.9NaN
Revenue, $354NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m218NaN
Operating income, $m136NaN
EBITDA, $m153NaN
Interest expense (income), $mNaN
Earnings before tax, $m135NaN
Tax expense, $m25NaN
Net income, $m110NaN

BALANCE SHEET

Cash and short-term investments, $m922NaN
Total assets, $m9516NaN
Adjusted assets (=assets-cash), $m8594NaN
Average production assets, $m481NaN
Working capital, $m-256NaN
Total debt, $m211NaN
Total liabilities, $m8310NaN
Total equity, $m1206NaN
Debt-to-equity ratio0.175NaN
Adjusted equity ratio0.044NaN

CASH FLOW

Net income, $m110NaN
Depreciation, amort., depletion, $m17NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m191NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-4NaN
Free cash flow, $m194NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-256
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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