S&T Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
12.67
Price/Sales ratio
3.73
Earnings per Share (EPS)
$2.94

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
15.2715.5318.9618.9412.4914.2046.1211.159.838.9310.9614.20
Price/Sales ratio
4.554.365.244.914.674.662.863.613.563.322.814.66
Price/Book Value ratio
1.451.311.601.561.401.170.841.021.121.001.071.17
Price/Cash Flow ratio
11.3217.2013.9812.1010.2710.0718.155.695.547.539.3610.07
Price/Free Cash Flow ratio
12.1118.7914.5212.6210.6210.4620.205.795.637.819.5010.46
Price/Earnings Growth ratio
1.08-30.133.326.440.28-2.15-0.570.020.411.140.430.28
Dividend Yield
2.28%2.34%1.97%2.06%2.62%2.67%4.52%3.60%3.52%3.84%3.45%2.62%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%91.04%100%
Operating Profit Margin
45.22%45.04%47.00%54.87%63.37%39.20%6.20%39.81%53.45%45.94%64.47%63.37%
Pretax Profit Margin
38.80%38.34%37.49%42.46%43.71%39.20%6.20%39.81%45.16%45.94%32.36%39.20%
Net Profit Margin
29.79%28.11%27.68%25.94%37.38%32.81%6.20%32.38%36.23%37.20%25.82%32.81%
Effective Tax Rate
23.22%26.67%26.16%38.89%14.48%16.29%-0.00%18.66%19.77%19.02%20.20%14.48%
Return on Assets
1.16%1.06%1.02%1.03%1.45%1.12%0.23%1.16%1.48%1.51%1.41%1.41%
Return On Equity
9.51%8.46%8.47%8.25%11.25%8.24%1.82%9.14%11.43%11.28%10.25%10.25%
Return on Capital Employed
1.88%1.80%1.92%2.36%2.63%1.38%0.23%8.91%2.28%1.95%3.60%2.63%
Liquidity Ratios
Current Ratio
0.000.000.000.000.000.0021.17N/AN/AN/A5.500.00
Quick Ratio
14.1614.918.9511.1513.260.6013.330.220.560.565.505.50
Cash ratio
0.370.270.210.210.330.603.060.110.560.561.010.33
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.070.080.100.080.080.040.010.000.040.050.030.04
Debt Equity Ratio
0.580.650.850.710.620.330.140.060.370.390.240.33
Long-term Debt to Capitalization
0.090.170.060.090.110.080.070.050.050.060.070.08
Total Debt to Capitalization
0.360.390.460.410.380.240.120.050.270.280.190.24
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A3.20N/A
Cash Flow to Debt Ratio
0.210.110.130.180.210.340.322.810.540.340.460.21
Company Equity Multiplier
8.167.978.247.987.757.357.767.867.697.446.967.35
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.400.250.370.400.450.460.150.630.640.440.300.46
Free Cash Flow / Operating Cash Flow Ratio
0.930.910.960.950.960.960.890.980.980.960.970.96
Cash Flow Coverage Ratio
0.210.110.130.180.210.340.322.810.540.340.460.21
Short Term Coverage Ratio
0.260.170.140.210.270.490.71N/A0.640.410.700.27
Dividend Payout Ratio
34.88%36.50%37.51%39.15%32.79%38.03%208.88%40.17%34.64%34.33%37.39%32.79%