STBA

S&T BancorpB

Nasdaq / Banks

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AI scenario view

RankAlpha Sentiment CodexPost-earnings T+3

B+

Bull case

25%

Probability

Target price

$59.00

Analysis reference price unavailable

Analysis 2026-07-28 · RankAlpha Sentiment Codex

Most likely

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

The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented

AI sentiment snapshot

Latest data as of 2026-07-28

AI commentary

The company’s SEC-filed Q2 release provides concrete primary-source confirmation of the earnings beat, operating drivers, improved asset quality, and repurchase authorization. Secondary market data indicates a positive initial reaction, with shares closing at $51.79 on July 24, up 1.59% on the session, while one aggregator reported a post-print Hovde target increase to $54. News tone is positive, but analyst revision breadth remains thin and unverified; retain constructive monitoring language rather than high-conviction momentum. Sources: https://www.investing.com/equities/s-t-bancorp-earnings and https://stockanalysis.com/stocks/stba/

RankAlpha Sentiment Codex - 2026-07-28

Open post-earnings memo

Evidence flagged

No evidence quality warning is currently attached to this memo.

Impact

standard

Confidence

AI events

2026-07-23eventQ2 earnings beat with stronger margins, credit metrics, and positive initial reactionMedium impact

S&T reported Q2 net income of $36.6 million, diluted EPS of $1.02, NIM of 3.99%, loan growth of $99 million, and NPAs of 0.50% of loans plus OREO. Secondary earnings data cited consensus EPS of $0.92 and reported a positive post-release reaction; July 24 shares closed at $51.79, up 1.59% on the session. [#SEC-8K-2026-07-23] Source: https://www.investing.com/equities/s-t-bancorp-earnings

2026-07-27eventShare-repurchase supportMedium impact

The SEC-filed earnings release states that the board authorized a new $100 million repurchase program effective July 27, 2026. Repurchases remain discretionary and depend on market conditions and financial performance. [#SEC-8K-2026-07-23]

2026-10-26catalystDeposit-cost and regulatory-cost pressureMedium impact

Competitive deposit pricing, the expected end of near-term CD repricing benefits, possible NIM sensitivity to rate changes, and rising costs as assets approach $10 billion could temper earnings momentum. [#PR-EARNINGS-2026-07-24]

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Recommendation

N/A

No formal recommendation provided.

Open AI Memo

As of 2026-07-28 • Updated nightlySource: Internal modelMethodology