Stock Ratings / Financials / STBA / earnings

RBCAA (67) FSUN (63) CNOB (67) BY (67) ⌘ Pro Terminal →

S&T Bancorp Inc. (STBA) Next Earnings Date & Expected ±4.1% Move

$51.09 +1.21% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $51.10

S&T Bancorp Inc. (STBA) carries a Roarable Rating of C+ (Hold) with 67/100 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.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.80B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on STBA Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is STBA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, S&T Bancorp Inc. (NASDAQ: STBA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, STBA ranks #215 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does STBA compare to RBCAA and FSUN in the Financials sector?

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Within the Financials sector (Major Banks), STBA carries a Roarable C+ (67/100 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 C+ grade (67/100 RQD, P/E 13.7x, ROIC 11.9%, cap $1.80B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for STBA?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $51.11 (+0.03%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 3.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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 C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

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

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY STBA SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.1% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$48.41+0.2% Next Q

Q2 (-2Q)

Grade C+$48.49+5.2% Next Q

Q3 (-1Q)

Grade C+$51.02+0.1% Next Q

Current

Grade C+$51.09+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the STBA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, STBA faces multiple-compression risk if 13.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($49.59) or 200D SMA ($46.48) invalidates the momentum regime and cuts Target Base ($53.16) toward Bear Floor ($41.46).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $STBA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “STBA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.1% Swing Band

±$2.09 Expected Swing

MODEL EARNINGS SETUP GAUGE

STBA Quantitative Pre-Earnings Setup: 67/100

Trailing EPS: $3.81 • YoY Revenue Growth: 12.4%

Model Bullish Setup (67/100)Model Risk Weight (33/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$134.2M	$128.8M	52%
FY 2024	2024-12-31	$0	$131.3M	$170.4M	52%
FY 2023	2023-12-31	$0	$144.8M	$171.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating STBA & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on STBA
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

STBA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.56%⚡ TESTING RESISTANCE

2026-11-02O $50.48H $51.09L $50.48C $51.09VOL 204.4K

RES: $51.74SUP: $46.91SMA50: $49.59SMA200: $46.48

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 #215 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 #215 by composite RQD confidence (67/100, 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. STBA currently leads its immediate peer cohort in composite quantitative strength at 67/100 (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+	67/100	13.4x	—	9.2%	+1.21%	$1.80B	Benchmark Subject
RBCAA Republic Bancorp Inc. (Class A)	C+	67/100	13.7x	—	11.9%	+0.30%	$1.80B	/rbcaa-vs-stba →
FSUN FirstSun Capital Bancorp	C	63/100	18.3x	—	8.5%	+0.69%	$1.79B	/fsun-vs-stba →
CNOB ConnectOne Bancorp Inc.	C+	67/100	22.0x	—	5.1%	+0.12%	$1.77B	/cnob-vs-stba →
BY Byline Bancorp Inc.	C+	67/100	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?

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

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

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 +3.02% above its 50-day simple moving average ($49.59) and +9.92% above its 200-day simple moving average ($46.48). Across its 52-week range of $36.13 to $53.50, STBA sits at the 86.1% percentile with a 14-day RSI of 60.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($49.00 to $53.18).