COMP <GO>

STBA vs DCOM // EV/EBITDA & P/E VALUATION

S&T Bancorp Inc. (NASDAQ) VS. Dime Commercial Bancshares Inc. (NYSE) • 15-METRIC TALLY: STBA 3 — DCOM 4

■ METRIC PARITY

LAST: $51.09 (+1.21%) • MKT CAP: $1.80B

valuation

—

LAST: $42.34 (+1.15%) • MKT CAP: $1.87B

valuation

—

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (STBA VS. DCOM) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	STBA	DCOM	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	9.20%	7.50%	+1.70	STBA	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	7.15%	9.98%	-2.83	DCOM	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	19.00%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.94%	2.30%	+0.64	STBA	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	6/9	-2.00	DCOM	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	56.8	58.4	-1.62	DCOM	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	12.5x	14.2x	-1.70	STBA	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.80B	$1.87B	-$67.9M	DCOM	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	STBA REV	DCOM REV	STBA GROSS %	DCOM GROSS %	STBA FCF	DCOM FCF
FY 2025	$0	$19.9M	—	—	$128.8M	$186.6M
FY 2024	$0	$16.7M	—	—	$170.4M	$99.1M
FY 2023	$0	$16.4M	—	—	$171.7M	$90.9M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

STBA // BETA —

DCOM // BETA —