Cautious. STBA trades at a reasonable 13.7× forward P/E with balanced growth (47/100) and value (55/100) fundamentals, suggesting fair valuation. However, a maxed-out Vulnerability Index signals acute structural risk—likely thin financial buffers or sector headwinds—that outweighs moderate leadership alignment (59/100). Suited only for investors comfortable with cyclical pressure or turnaround uncertainty.
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Stocky rates S&T Bancorp, Inc. (STBA) at 59/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. STBA trades at a reasonable 13.7× forward P/E with balanced growth (47/100) and value (55/100) fundamentals, suggesting fair valuation. However, a maxed-out Vulnerability Index signals acute structural risk—likely thin financial b
STBA's current Stocky Verdict is 59/100, placing it in the "Cautious" band. This composite combines a 55/100 Compounder score, 59/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for S&T Bancorp, Inc. yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
S&T Bancorp, Inc. scores 59/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
S&T Bancorp, Inc.'s Vulnerability Profile scores 100/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to S&T Bancorp, Inc..
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