COMP <GO>
STBA vs GABC // 10Y YIELD & FRED MACRO BETA
S&T Bancorp Inc. (NASDAQ) VS. German American Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: STBA 3
— GABC 4
■ METRIC PARITY
LAST: $51.09 (+1.21%) • MKT CAP: $1.80B
macro-sensitivity
—
LAST: $49.41 (+0.94%) • MKT CAP: $1.86B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (STBA VS. GABC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | STBA | GABC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.20% | 9.70% | -0.50 | GABC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.15% | 8.29% | -1.14 | GABC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 23.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 37.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.94% | 2.33% | +0.61 | STBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | GABC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.8 | 45.8 | +10.99 | STBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.5x | 13.9x | -1.40 | STBA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.80B | $1.86B | -$55.1M | GABC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | STBA REV | GABC REV | STBA GROSS % | GABC GROSS % | STBA FCF | GABC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $487.4M | — | — | $128.8M | $154.0M |
| FY 2024 | $0 | $353.7M | — | — | $170.4M | $90.7M |
| FY 2023 | $0 | $316.9M | — | — | $171.7M | $107.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
STBA // BETA —
GABC // BETA —