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STBA

S&T BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print supports a constructive view: earnings rose year over year, NIM improved, loans grew, customer deposits remained stable, asset quality improved, and the company authorized a new repurchase program. Continued mid-single-digit loan growth plus capital returns could support modest upside.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.7.
What can break
Competitive deposit pricing could compress NIM and funding spreads.
Momentum
49
Value
54
Sentiment
68
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $54.00 · Bull $59.00 · Bear $45.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $53.33
Why
Momentum49 · Δ7d +2.0
Value54 · Δ7d -0.0
Sentiment68 · Δ7d +4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.7.

Contradictions & invalidation

  • • Competitive deposit pricing could compress NIM and funding spreads.
  • • Deposit costs may rise after Q3 as concentrated six-month CD repricing benefits fade.
  • • The follow-through case is less certain because deposit costs may rise after Q3, rate sensitivity remains relevant, competitive funding pressure persists, and approaching the $10 billion asset threshold may increase regulatory expenses.

Catalyst clock

2026-07-23

Q2 earnings beat with stronger margins, credit metrics, and positive initial reaction

Lead driver: Sentiment · See AI snapshot
Momentum
49
9% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
-7.3
Value
54
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-7.7
Sentiment
68
62% active weight
Current posture
7d trendImproving
Δ7d
+4.7
Δ21d
+4.2
Why this grade

Composite grade B. Momentum 49.3 / Value 53.7 / Sentiment 68.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$59.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$54.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.8B
Beta
0.92
Shares Out
35.27M
P/E (TTM)
11.6
P/S (TTM)
3.90
P/FCF (TTM)
16.03
Rev YoY
+0.4%
EPS YoY
+23.3%
Gross Margin
-
Op Margin
+30.6%
Net Debt
$253.8M
Current Ratio
0.05
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data