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S&T Bancorp Inc. (STBA) — RQD Stock Rating Cockpit

$51.09 +1.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

S&T Bancorp Inc. (STBA) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $1.80B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for STBA)Realized 20D OHLCV Swing Band: ±4.1%

RSI-14 MOMENTUMBULLISH MOMENTUM

56.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE86% OF RANGE

L: $36$51.09H: $54

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on STBA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

9.2% ROIC with 42.0% gross margin and 7.15% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

24/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like STBA

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (STBA Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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STBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.77%▲ RESISTANCE BREAKOUT

2026-10-30O $51.24H $51.31L $50.34C $51.09VOL 189.5K

RES: $48.57SUP: $46.92SMA50: $49.57SMA200: $46.43

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

STBA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 STBA Butterfly Map → + Track STBA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on STBA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for STBA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for STBA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (STBA)

Financials Rank #388 of 1096 ⚔️ RBCAA vs STBA Full Matrix →

1. Head-to-Head Financials Peer Comparison (STBA vs. RBCAA, FSUN, CNOB, BY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, S&T Bancorp Inc. (STBA) ranks #388 by composite RQD confidence (63/100, grade C) and #446 by equity capitalization ($1.80B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. RBCAA currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with STBA at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
STBA ACTIVE S&T Bancorp Inc.	C	63/100	13.4x	—	9.2%	+1.21%	$1.80B	Benchmark Subject
RBCAA Republic Bancorp Inc. (Class A)	B	72/100	13.7x	—	11.9%	+0.30%	$1.80B	/rbcaa-vs-stba →
FSUN FirstSun Capital Bancorp	C-	60/100	18.3x	—	8.5%	+0.69%	$1.79B	/fsun-vs-stba →
CNOB ConnectOne Bancorp Inc.	C-	61/100	22.0x	—	5.1%	+0.12%	$1.77B	/cnob-vs-stba →
BY Byline Bancorp Inc.	C-	61/100	13.5x	—	10.3%	+0.75%	$1.76B	/by-vs-stba →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000719220

In its most recent audited fiscal period (FY2025, filed 2025-12-31), S&T Bancorp Inc. (STBA) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $134.2M, operating cash flow of $133.6M, and free cash flow of $128.8M (-24.4% YoY). On the balance sheet, STBA closed FY2025 with $9.87B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$134.2M	$133.6M	$128.8M	$9.87B	—
FY2024 (FY)	2024-12-31	$0	$131.3M	$173.4M	$170.4M	$9.66B	—
FY2023 (FY)	2023-12-31	$0	$144.8M	$171.7M	$171.7M	—	—

3. STBA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is STBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, S&T Bancorp Inc. (NASDAQ: STBA) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $51.09 (+1.21% 1D, market cap $1.80B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, STBA ranks #388 in composite RQD confidence.

How does STBA compare to RBCAA and FSUN in the Financials sector?

Within the Financials sector (Major Banks), STBA carries a Roarable C (63/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 9.2%. By comparison, RBCAA (Republic Bancorp Inc. (Class A)) holds a B grade (72/100 RQD, P/E 13.7x, ROIC 11.9%, cap $1.80B) and FSUN (FirstSun Capital Bancorp) posts a C- grade (60/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.79B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for STBA?

Per STBA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000719220), S&T Bancorp Inc. generated $0 in revenue, $134.2M in net income, and $128.8M in free cash flow against $9.87B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is STBA trading relative to its 50-day, 200-day, and 52-week technical levels?

STBA last traded at $51.09 (+1.21% on volume of 204,351 shares), positioning the stock +3.07% above its 50-day simple moving average ($49.57) and +10.04% above its 200-day simple moving average ($46.43). Across its 52-week range of $36.13 to $53.50, STBA sits at the 86.1% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($49.00 to $53.18).

STBA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell STBA stock right now?

S&T Bancorp Inc. (STBA) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (9% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is STBA's 12-month price target and RQD AI Jury consensus?

STBA's 12-month base price target is $52.24 (range $40.75 to $61.64), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: STBA RQD Cockpit STBA 12M Forecast STBA Earnings & Move STBA Dividends & DRIP STBA Insiders & 13F STBA Whale Options STBA Profit Sankey STBA News & Why