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S&T Bancorp (STBA) Ratios
S&T Bancorp Ratios
STBA's free cash flow for Q2 2026 was $26.96M. For the 2026 fiscal year, STBA's free cash flow was decreased by $-847.00K and operating cash flow was $27.81M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 |
| Quick Ratio | 6.98 | 0.16 | 0.15 | 0.16 | 0.23 |
| Cash Ratio | 0.99 | 0.03 | 0.03 | 0.03 | 0.11 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 0.81 | 0.02 | 0.02 | 0.03 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.61 | 1.16 | 0.41 | 0.65 | 2.54 |
| Net Current Asset Value | $ -7.26B | $ -7.05B | $ -7.06B | $ -6.71B | $ -6.45B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.03 | 0.05 | 0.05 | 0.02 |
| Debt-to-Equity Ratio | 0.21 | 0.18 | 0.39 | 0.37 | 0.13 |
| Debt-to-Capital Ratio | 0.18 | 0.15 | 0.28 | 0.27 | 0.12 |
| Long-Term Debt-to-Capital Ratio | 0.03 | 0.07 | 0.06 | 0.06 | 0.06 |
| Financial Leverage Ratio | 6.74 | 7.00 | 7.44 | 7.69 | 7.86 |
| Debt Service Coverage Ratio | 0.37 | 0.43 | 0.28 | 0.37 | 1.25 |
| Interest Coverage Ratio | 1.01 | 0.91 | 1.39 | 6.77 | 10.32 |
| Debt to Market Cap | 0.18 | 0.17 | 0.39 | 0.33 | 0.13 |
| Interest Debt Per Share | 12.40 | 11.28 | 16.53 | 11.91 | 4.47 |
| Net Debt to EBITDA | 0.84 | 0.03 | 1.45 | 1.29 | -5.17 |
| Profitability Margins | |||||
| Gross Profit Margin | 69.43% | 67.93% | 72.67% | 91.65% | 91.70% |
| EBIT Margin | 29.54% | 29.17% | 33.39% | 42.34% | 38.33% |
| EBITDA Margin | 30.79% | 31.10% | 34.79% | 44.60% | 41.57% |
| Operating Profit Margin | 29.54% | 29.17% | 33.39% | 42.34% | 38.33% |
| Pretax Profit Margin | 29.54% | 29.17% | 33.39% | 42.34% | 38.33% |
| Net Profit Margin | 23.61% | 23.23% | 27.04% | 33.96% | 31.17% |
| Continuous Operations Profit Margin | 23.61% | 23.23% | 27.04% | 33.96% | 31.17% |
| Net Income Per EBT | 79.93% | 79.64% | 80.97% | 80.22% | 81.33% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.36% | 1.36% | 1.52% | 1.49% | 1.16% |
| Return on Equity (ROE) | 9.17% | 9.51% | 11.28% | 11.44% | 9.15% |
| Return on Capital Employed (ROCE) | 1.73% | 9.56% | 11.07% | 11.11% | 9.64% |
| Return on Invested Capital (ROIC) | 8.26% | 7.00% | 7.13% | 7.17% | 7.40% |
| Return on Tangible Assets | 1.41% | 1.41% | 1.58% | 1.55% | 1.21% |
| Earnings Yield | 8.86% | 8.98% | 11.33% | 10.17% | 8.96% |
| Efficiency Ratios | |||||
| Receivables Turnover | 284256.50 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 12.55 | 10.93 | 8.10 | 6.73 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.20 | -0.08 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.47 | 4.53 | 4.49 | 6.17 | 5.50 |
| Free Cash Flow Per Share | 3.35 | 4.46 | 4.33 | 6.07 | 5.41 |
| Dividend Paid and CapEx Coverage Ratio | 2.32 | 3.21 | 3.07 | 4.73 | 4.48 |
| Capital Expenditure Coverage Ratio | 28.02 | 57.90 | 27.62 | 62.24 | 59.50 |
| Operating Cash Flow Coverage Ratio | 0.43 | 0.69 | 0.34 | 0.55 | 1.33 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.31 | 0.32 | 0.60 | 0.61 |
| Free Cash Flow Yield | 8.51% | 11.66% | 12.95% | 17.75% | 17.16% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.28 | 11.14 | 8.83 | 9.83 | 11.15 |
| Price-to-Sales (P/S) Ratio | 2.66 | 2.59 | 2.39 | 3.34 | 3.48 |
| Price-to-Book (P/B) Ratio | 1.03 | 1.06 | 1.00 | 1.12 | 1.02 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.76 | 8.58 | 7.72 | 5.63 | 5.83 |
| Price-to-Operating Cash Flow Ratio | 11.34 | 8.43 | 7.44 | 5.54 | 5.73 |
| Price-to-Earnings Growth (PEG) Ratio | 6.45 | -1.20 | 0.99 | 0.42 | 0.03 |
| Enterprise Value Multiple | 9.50 | 8.35 | 8.31 | 8.78 | 3.19 |
| Enterprise Value | 1.66B | 1.47B | 1.55B | 1.56B | 469.95M |
| EV to EBITDA | 9.50 | 8.35 | 8.31 | 8.78 | 3.19 |
| EV to Sales | 2.92 | 2.60 | 2.89 | 3.91 | 1.33 |
| EV to Free Cash Flow | 12.90 | 8.61 | 9.35 | 6.60 | 2.22 |
| EV to Operating Cash Flow | 12.44 | 8.46 | 9.01 | 6.50 | 2.19 |
| Tangible Book Value Per Share | 28.27 | 26.25 | 23.70 | 20.67 | 21.16 |
| Shareholders’ Equity Per Share | 38.03 | 36.10 | 33.57 | 30.39 | 30.90 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.20 | 0.19 | 0.20 | 0.19 |
| Revenue Per Share | 14.77 | 14.77 | 14.01 | 10.23 | 9.06 |
| Net Income Per Share | 3.49 | 3.43 | 3.79 | 3.48 | 2.83 |
| Tax Burden | 0.80 | 0.80 | 0.81 | 0.80 | 0.81 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.23 | 0.22 | 0.27 | 0.30 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.00 | 1.32 | 1.19 | 1.77 | 1.95 |
Currency in USD
