St Bancorp Stock Net Income
| STBA Stock | USD 42.23 1.15 2.80% |
As of the 27th of January, ST Bancorp owns the Downside Deviation of 1.57, risk adjusted performance of 0.1154, and Mean Deviation of 1.18. Concerning fundamental indicators, the technical analysis model makes it possible for you to check potential technical drivers of ST Bancorp, as well as the relationship between them.
ST Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.4808 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 151 M | 158.5 M | |
| Net Income Applicable To Common Shares | 155.4 M | 163.2 M | |
| Net Income From Continuing Ops | 151 M | 103.5 M | |
| Net Income Per Share | 3.48 | 3.65 | |
| Net Income Per E B T | 0.80 | 0.63 |
STBA | Net Income | Build AI portfolio with STBA Stock |
Latest ST Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of ST Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in ST Bancorp financial statement analysis. It represents the amount of money remaining after all of ST Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is ST Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in ST Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 131.26 M | 10 Years Trend |
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Net Income |
| Timeline |
STBA Net Income Regression Statistics
| Arithmetic Mean | 84,320,147 | |
| Geometric Mean | 69,405,771 | |
| Coefficient Of Variation | 52.43 | |
| Mean Deviation | 38,363,215 | |
| Median | 72,968,000 | |
| Standard Deviation | 44,212,347 | |
| Sample Variance | 1954.7T | |
| Range | 134.4M | |
| R-Value | 0.86 | |
| Mean Square Error | 543.5T | |
| R-Squared | 0.74 | |
| Slope | 7,528,142 | |
| Total Sum of Squares | 31275.7T |
STBA Net Income History
Other Fundumenentals of ST Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
ST Bancorp Net Income component correlations
STBA Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for ST Bancorp is extremely important. It helps to project a fair market value of STBA Stock properly, considering its historical fundamentals such as Net Income. Since ST Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of ST Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of ST Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ST Bancorp. If investors know STBA will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ST Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.039 | Dividend Share 2.38 | Earnings Share 3.49 | Revenue Per Share | Quarterly Revenue Growth (0) |
The market value of ST Bancorp is measured differently than its book value, which is the value of STBA that is recorded on the company's balance sheet. Investors also form their own opinion of ST Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ST Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ST Bancorp's market value can be influenced by many factors that don't directly affect ST Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ST Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if ST Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ST Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
ST Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to ST Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of ST Bancorp.
| 10/29/2025 |
| 01/27/2026 |
If you would invest 0.00 in ST Bancorp on October 29, 2025 and sell it all today you would earn a total of 0.00 from holding ST Bancorp or generate 0.0% return on investment in ST Bancorp over 90 days. ST Bancorp is related to or competes with 1st Source, TriCo Bancshares, Lakeland Financial, Merchants Bancorp, National Bank, German American, and First Commonwealth. ST Bancorp, Inc. operates as the bank holding company for ST Bank that provides retail and commercial banking products a... More
ST Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure ST Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess ST Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.57 | |||
| Information Ratio | 0.0993 | |||
| Maximum Drawdown | 6.81 | |||
| Value At Risk | (2.81) | |||
| Potential Upside | 2.62 |
ST Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for ST Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as ST Bancorp's standard deviation. In reality, there are many statistical measures that can use ST Bancorp historical prices to predict the future ST Bancorp's volatility.| Risk Adjusted Performance | 0.1154 | |||
| Jensen Alpha | 0.1997 | |||
| Total Risk Alpha | 0.0752 | |||
| Sortino Ratio | 0.1012 | |||
| Treynor Ratio | 0.5366 |
ST Bancorp January 27, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1154 | |||
| Market Risk Adjusted Performance | 0.5466 | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.36 | |||
| Downside Deviation | 1.57 | |||
| Coefficient Of Variation | 667.28 | |||
| Standard Deviation | 1.6 | |||
| Variance | 2.57 | |||
| Information Ratio | 0.0993 | |||
| Jensen Alpha | 0.1997 | |||
| Total Risk Alpha | 0.0752 | |||
| Sortino Ratio | 0.1012 | |||
| Treynor Ratio | 0.5366 | |||
| Maximum Drawdown | 6.81 | |||
| Value At Risk | (2.81) | |||
| Potential Upside | 2.62 | |||
| Downside Variance | 2.47 | |||
| Semi Variance | 1.86 | |||
| Expected Short fall | (1.34) | |||
| Skewness | (0.37) | |||
| Kurtosis | 1.75 |
ST Bancorp Backtested Returns
ST Bancorp appears to be very steady, given 3 months investment horizon. ST Bancorp retains Efficiency (Sharpe Ratio) of 0.18, which indicates the firm had a 0.18 % return per unit of price deviation over the last 3 months. We have found thirty technical indicators for ST Bancorp, which you can use to evaluate the volatility of the company. Please review ST Bancorp's Downside Deviation of 1.57, risk adjusted performance of 0.1154, and Mean Deviation of 1.18 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, ST Bancorp holds a performance score of 14. The entity owns a Beta (Systematic Risk) of 0.43, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, ST Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding ST Bancorp is expected to be smaller as well. Please check ST Bancorp's semi deviation, sortino ratio, semi variance, as well as the relationship between the standard deviation and value at risk , to make a quick decision on whether ST Bancorp's current price history will revert.
Auto-correlation | -0.17 |
Insignificant reverse predictability
ST Bancorp has insignificant reverse predictability. Overlapping area represents the amount of predictability between ST Bancorp time series from 29th of October 2025 to 13th of December 2025 and 13th of December 2025 to 27th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of ST Bancorp price movement. The serial correlation of -0.17 indicates that over 17.0% of current ST Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.17 | |
| Spearman Rank Test | 0.09 | |
| Residual Average | 0.0 | |
| Price Variance | 1.27 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
STBA Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, ST Bancorp reported net income of 131.26 M. This is 89.72% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 77.01% higher than that of the company.
STBA Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses ST Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of ST Bancorp could also be used in its relative valuation, which is a method of valuing ST Bancorp by comparing valuation metrics of similar companies.ST Bancorp is currently under evaluation in net income category among its peers.
ST Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, ST Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to ST Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
ST Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in ST Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of ST Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing ST Bancorp's value.| Shares | Millennium Management Llc | 2025-06-30 | 343.8 K | S&t Bank | 2025-06-30 | 324.6 K | Bridgeway Capital Management, Llc | 2025-06-30 | 292 K | Nuveen, Llc | 2025-06-30 | 251.5 K | Earnest Partners Llc | 2025-06-30 | 248.9 K | Amvescap Plc. | 2025-06-30 | 214.4 K | Ubs Group Ag | 2025-06-30 | 209.3 K | First Commonwealth Financial Corp | 2025-06-30 | 205.2 K | Principal Financial Group Inc | 2025-06-30 | 190 K | Blackrock Inc | 2025-06-30 | 5.5 M | Vanguard Group Inc | 2025-06-30 | 4.6 M |
STBA Fundamentals
| Return On Equity | 0.0935 | |||
| Return On Asset | 0.0137 | |||
| Profit Margin | 0.34 % | |||
| Operating Margin | 0.44 % | |||
| Current Valuation | 1.67 B | |||
| Shares Outstanding | 37.4 M | |||
| Shares Owned By Insiders | 1.63 % | |||
| Shares Owned By Institutions | 74.39 % | |||
| Number Of Shares Shorted | 639.64 K | |||
| Price To Earning | 36.73 X | |||
| Price To Book | 1.05 X | |||
| Price To Sales | 4.01 X | |||
| Revenue | 568.51 M | |||
| Gross Profit | 391.89 M | |||
| EBITDA | 167.94 M | |||
| Net Income | 131.26 M | |||
| Cash And Equivalents | 134.9 M | |||
| Cash Per Share | 3.46 X | |||
| Total Debt | 265.29 M | |||
| Debt To Equity | 6.98 % | |||
| Book Value Per Share | 38.47 X | |||
| Cash Flow From Operations | 173.37 M | |||
| Short Ratio | 3.23 X | |||
| Earnings Per Share | 3.49 X | |||
| Price To Earnings To Growth | 3.54 X | |||
| Target Price | 41.4 | |||
| Number Of Employees | 1.21 K | |||
| Beta | 0.92 | |||
| Market Capitalization | 1.57 B | |||
| Total Asset | 9.87 B | |||
| Retained Earnings | 1.04 B | |||
| Annual Yield | 0.04 % | |||
| Five Year Return | 3.35 % | |||
| Net Asset | 9.87 B | |||
| Last Dividend Paid | 2.38 |
About ST Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze ST Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of ST Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of ST Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out ST Bancorp Piotroski F Score and ST Bancorp Altman Z Score analysis. For information on how to trade STBA Stock refer to our How to Trade STBA Stock guide.You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ST Bancorp. If investors know STBA will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ST Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.039 | Dividend Share 2.38 | Earnings Share 3.49 | Revenue Per Share | Quarterly Revenue Growth (0) |
The market value of ST Bancorp is measured differently than its book value, which is the value of STBA that is recorded on the company's balance sheet. Investors also form their own opinion of ST Bancorp's value that differs from its market value or its book value, called intrinsic value, which is ST Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ST Bancorp's market value can be influenced by many factors that don't directly affect ST Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ST Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if ST Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ST Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.