S&T Bancorp, Inc. cash flow to debt ratio of 42.97% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

S&T Bancorp, Inc.'s free cash flow has decreased 24.37% from $170.37M last year to $128.85M, signaling decreasing performance

S&T Bancorp, Inc.'s debt to equity ratio is 0.20, which means that the company's assets are healthy financed, signaling financial stability.

S&T Bancorp, Inc.'s debt has increased relative to shareholder equity from 0.18 last year to 0.20 today, signaling weakened financials

S&T Bancorp, Inc. has a net cash position, so leverage is healthy.

S&T Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

S&T Bancorp, Inc.'s profit margin was 23.23% last year and is 25.17% this year, signaling increasing performance

S&T Bancorp, Inc.'s short-term assets of $1.15B exceed its short-term liabilities of $165.00M

S&T Bancorp, Inc.'s return on assets of 1.41% is lower than the 5.00% threshold, indicating inefficient asset utilization

S&T Bancorp, Inc.'s return on equity of 9.74%, is lower than 15.00%, indicating bad performance

S&T Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

S&T Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

S&T Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

S&T Bancorp, Inc. has a free cash flow yield of 7.33%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

S&T Bancorp, Inc.'s yearly earnings has increased 2.26% since last year from $131.26M to $134.23M, signaling increasing performance

S&T Bancorp, Inc.'s yearly revenue has increased 0.63% since last year from $564.96M to $568.51M, signaling increasing performance

ROIC 1.29% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

S&T Bancorp, Inc.'s 3-year revenue CAGR of 12.53% is positive, indicating growing revenue over the past 3 years

S&T Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

S&T Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

S&T Bancorp, Inc. is undervalued relative to its fair value price of 81.25 based on Base Cash Flow Valuation (DCF) model

S&T Bancorp, Inc. has an earnings yield of 7.72%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

S&T Bancorp, Inc. is undervalued relative to its fair value price of 53.67 based on Base EBITDA Valuation model

S&T Bancorp, Inc. has an EV/EBITDA ratio of 5.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

S&T Bancorp, Inc. is undervalued relative to its fair value price of 96.93 based on Base Earnings Fair Value model

S&T Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

S&T Bancorp, Inc. has a price-to-book ratio of 1.30x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

S&T Bancorp, Inc. has a price-to-sales ratio of 3.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue