St Bancorp Stock Today

STBA Stock  USD 29.38  0.10  0.34%   

Performance

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Odds Of Distress

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ST Bancorp is trading at 29.38 as of the 16th of April 2024, a 0.34 percent increase since the beginning of the trading day. The stock's open price was 29.28. ST Bancorp has under 5 % chance of experiencing financial distress over the next 2 years, but has generated negative returns over the last 90 days. Equity ratings for ST Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 27th of April 2022 and ending today, the 16th of April 2024. Click here to learn more.
Business Domain
Banks
IPO Date
21st of April 1992
Category
Financial Services
Classification
Financials
ST Bancorp, Inc. operates as the bank holding company for ST Bank that provides retail and commercial banking products and services. ST Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania. ST Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. The company has 38.27 M outstanding shares of which 918.17 K shares are at this time shorted by private and institutional investors with about 5.74 trading days to cover. More on ST Bancorp

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STBA Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. ST Bancorp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding ST Bancorp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEOTodd Brice
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, SP Small-Cap 600, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering ST Bancorp report their recommendations after researching ST Bancorp's financial statements, talking to executives and customers, or listening in on ST Bancorp's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering ST Bancorp. The STBA consensus assessment is calculated by taking the average forecast from all of the analysts covering ST Bancorp.
Financial Strength
Based on the analysis of ST Bancorp's profitability, liquidity, and operating efficiency, ST Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. Financial strength of ST Bancorp is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.0150.0151
Slightly Down
Pretty Stable
Asset Turnover0.04880.056
Fairly Down
Pretty Stable
Gross Profit Margin0.780.9
Fairly Down
Slightly volatile
Total Current Liabilities6.9 B6.6 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total1.8 B1.7 B
Sufficiently Up
Slightly volatile
Total Assets10.1 B9.6 B
Sufficiently Up
Slightly volatile
Total Current Assets227.1 M239 M
Notably Down
Slightly volatile
Total Cash From Operating Activities180.4 M171.8 M
Sufficiently Up
Slightly volatile
ST Bancorp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to ST Bancorp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand ST Bancorp's financial leverage. It provides some insight into what part of ST Bancorp's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on ST Bancorp's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how ST Bancorp deploys its capital and how much of that capital is borrowed.
Liquidity
ST Bancorp cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 552.34 M in liabilities with Debt to Equity (D/E) ratio of 6.98, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist ST Bancorp until it has trouble settling it off, either with new capital or with free cash flow. So, ST Bancorp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like ST Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for STBA to invest in growth at high rates of return. When we think about ST Bancorp's use of debt, we should always consider it together with cash and equity.

Change In Cash

15.14 Million
ST Bancorp (STBA) is traded on NASDAQ Exchange in USA. It is located in 800 Philadelphia Street, Indiana, PA, United States, 15701 and employs 1,244 people. ST Bancorp is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.12 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate ST Bancorp's market, we take the total number of its shares issued and multiply it by ST Bancorp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. ST Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 38.27 M outstanding shares of which 918.17 K shares are at this time shorted by private and institutional investors with about 5.74 trading days to cover. ST Bancorp currently holds about 134.9 M in cash with 171.81 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 3.46.
Check ST Bancorp Probability Of Bankruptcy
Ownership Allocation
ST Bancorp shows a total of 38.27 Million outstanding shares. Over half of ST Bancorp's outstanding shares are owned by institutions. These institutions are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Therefore, these institutions are subject to different rules and regulations than regular investors in ST Bancorp. Please watch out for any change in the institutional holdings of ST Bancorp as this could mean something significant has changed or is about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
Check STBA Ownership Details

STBA Stock Price Odds Analysis

What are ST Bancorp's target price odds to finish over the current price? Depending on a normal probability distribution, the odds of ST Bancorp jumping above the current price in 90 days from now is roughly 96.0%. The ST Bancorp probability density function shows the probability of ST Bancorp stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 1.6301. This usually implies as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, ST Bancorp will likely underperform. Additionally, sT Bancorp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
  Odds Below 29.38HorizonTargetOdds Above 29.38
3.66%90 days
 29.38 
96.28%
Based on a normal probability distribution, the odds of ST Bancorp to move above the current price in 90 days from now is roughly 96.0 (This ST Bancorp probability density function shows the probability of STBA Stock to fall within a particular range of prices over 90 days) .

STBA Stock Institutional Holders

Institutional Holdings refers to the ownership stake in ST Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of ST Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing ST Bancorp's value.
InstituionRecorded OnShares
American Century Companies Inc2023-12-31
289.7 K
Bridgeway Capital Management, Llc2023-12-31
275.8 K
Norges Bank2023-12-31
270.9 K
Goldman Sachs Group Inc2023-12-31
264.3 K
Proshare Advisors Llc2023-12-31
263.6 K
Panagora Asset Management Inc2023-12-31
232 K
First Commonwealth Financial Corp2023-12-31
227.8 K
Amvescap Plc.2023-12-31
224.4 K
Principal Financial Group Inc2023-12-31
210.4 K
Blackrock Inc2023-12-31
5.6 M
Vanguard Group Inc2023-12-31
4.6 M
View ST Bancorp Diagnostics

ST Bancorp Historical Income Statement

ST Bancorp Income Statement is one of the three primary financial statements used for reporting STBA's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of ST Bancorp revenue and expense. ST Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At present, ST Bancorp's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling General Administrative is expected to grow to about 121.4 M, whereas Depreciation And Amortization is forecasted to decline to about 4.9 M. View More Fundamentals

STBA Stock Against Markets

Picking the right benchmark for ST Bancorp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in ST Bancorp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for ST Bancorp is critical whether you are bullish or bearish towards ST Bancorp at a given time. Please also check how ST Bancorp's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in ST Bancorp without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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ST Bancorp Corporate Directors

ST Bancorp corporate directors refer to members of a ST Bancorp board of directors. The board of directors generally takes responsibility for the ST Bancorp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of ST Bancorp's board members must vote for the resolution. The ST Bancorp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
William GattiDirectorProfile
Jerry HostetterDirectorProfile
John DelaneyIndependent DirectorProfile
Michael DonnellyIndependent DirectorProfile

How to buy STBA Stock?

Before investing in ST Bancorp, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in ST Bancorp. To buy ST Bancorp stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of ST Bancorp. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase ST Bancorp stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located ST Bancorp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased ST Bancorp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as ST Bancorp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy STBA Stock please use our How to Invest in ST Bancorp guide.

Already Invested in ST Bancorp?

The danger of trading ST Bancorp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of ST Bancorp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than ST Bancorp. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile ST Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether ST Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of ST Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of St Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on St Bancorp Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in ST Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For information on how to trade STBA Stock refer to our How to Trade STBA Stock guide.
Note that the ST Bancorp information on this page should be used as a complementary analysis to other ST Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.

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When running ST Bancorp's price analysis, check to measure ST Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ST Bancorp is operating at the current time. Most of ST Bancorp's value examination focuses on studying past and present price action to predict the probability of ST Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ST Bancorp's price. Additionally, you may evaluate how the addition of ST Bancorp to your portfolios can decrease your overall portfolio volatility.
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Is ST Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ST Bancorp. If investors know STBA will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ST Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.3
Earnings Share
3.74
Revenue Per Share
10.125
Quarterly Revenue Growth
0.007
The market value of ST Bancorp is measured differently than its book value, which is the value of STBA that is recorded on the company's balance sheet. Investors also form their own opinion of ST Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ST Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ST Bancorp's market value can be influenced by many factors that don't directly affect ST Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ST Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if ST Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ST Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.