COMP <GO>
STBA vs RBCAA // ALTMAN Z-SCORE & DEBT/EQUITY
S&T Bancorp Inc. (NASDAQ) VS. Republic Bancorp Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: STBA 4
— RBCAA 3
■ METRIC PARITY
LAST: $51.09 (+1.21%) • MKT CAP: $1.80B
balance-sheet
—
LAST: $91.71 (+0.30%) • MKT CAP: $1.80B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (STBA VS. RBCAA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | STBA | RBCAA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.20% | 11.90% | -2.70 | RBCAA | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.15% | 8.95% | -1.80 | RBCAA | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 31.50% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 8.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.94% | 1.88% | +1.06 | STBA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | RBCAA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.2 | 48.0 | +12.20 | STBA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.5x | 12.7x | -0.20 | STBA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.80B | $1.80B | $1.1M | STBA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | STBA REV | RBCAA REV | STBA GROSS % | RBCAA GROSS % | STBA FCF | RBCAA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $417.5M | — | — | $128.8M | $161.1M |
| FY 2024 | $0 | $384.8M | — | — | $170.4M | $143.2M |
| FY 2023 | $0 | $360.2M | — | — | $171.7M | $108.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
STBA // BETA —
RBCAA // BETA —