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

Previous Close$42.34
Intrinsic Value$38.00
Upside potential  -10%
Previous Close
$42.34
Intrinsic Value
$38.00*
Potential        
-10%

VALUATION INPUT DATA

This valuation is based on fiscal year data as of 2022-12-31 and quarterly data as of 2023-09-30.

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

Intrinsic Value Stock Screener
Artificial intelligence value of

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year(a)2023202420252026202720282029203020312032203320342035203620372038203920402041204220432044204520462047

INCOME STATEMENT

Revenue growth rate, %12.7NaN
Revenue, $399NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m230NaN
Operating income, $m169NaN
EBITDA, $m184NaN
Interest expense (income), $mNaN
Earnings before tax, $m169NaN
Tax expense, $m33NaN
Net income, $m135NaN

BALANCE SHEET

Cash and short-term investments, $m210NaN
Total assets, $m9111NaN
Adjusted assets (=assets-cash), $m8901NaN
Average production assets, $m431NaN
Working capital, $m-297NaN
Total debt, $m444NaN
Total liabilities, $m7926NaN
Total equity, $m1185NaN
Debt-to-equity ratio0.375NaN
Adjusted equity ratio0.152NaN

CASH FLOW

Net income, $m135NaN
Depreciation, amort., depletion, $m15NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m240NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-4NaN
Free cash flow, $m244NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-297
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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