STBA Net Interest Income vs Operating Income Analysis

STBA Stock

USD 43.37 0.16 0.37%

ST Bancorp financial indicator trend analysis is much more than just breaking down ST Bancorp prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether ST Bancorp is a good investment. Please check the relationship between ST Bancorp Net Interest Income and its Operating Income accounts. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in ST Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For information on how to trade STBA Stock refer to our How to Trade STBA Stock guide.

Net Interest Income vs Operating Income

Net Interest Income vs Operating Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of ST Bancorp Net Interest Income account and Operating Income. At this time, the significance of the direction appears to have fragmental relationship.

The correlation between ST Bancorp's Net Interest Income and Operating Income is 0.54. Overlapping area represents the amount of variation of Net Interest Income that can explain the historical movement of Operating Income in the same time period over historical financial statements of ST Bancorp, assuming nothing else is changed. The correlation between historical values of ST Bancorp's Net Interest Income and Operating Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Interest Income of ST Bancorp are associated (or correlated) with its Operating Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Income has no effect on the direction of Net Interest Income i.e., ST Bancorp's Net Interest Income and Operating Income go up and down completely randomly.

Correlation Coefficient

0.54

Relationship Direction	Positive
Relationship Strength	Weak

View All Relationships

Net Interest Income

The difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities.

Operating Income

Operating Income is the amount of profit realized from ST Bancorp operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of ST Bancorp is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most indicators from ST Bancorp's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into ST Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in ST Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For information on how to trade STBA Stock refer to our How to Trade STBA Stock guide.At present, ST Bancorp's Selling General Administrative is projected to increase significantly based on the last few years of reporting. The current year's Enterprise Value Over EBITDA is expected to grow to 10.72, whereas Tax Provision is forecasted to decline to about 27.7 M.

	2021	2022	2023	2024 (projected)
Interest Expense	13.2M	25.0M	128.5M	134.9M
Depreciation And Amortization	6.8M	6.6M	7.5M	4.8M

Interest Expense Depreciation And Amortization

ST Bancorp fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Other Current Liab	Total Current Liabilities	Short Term Debt	Common Stock Total Equity	Common Stock	Other Liab	Accounts Payable	Long Term Debt	Short Term Investments
Total Assets		0.32	1.0	0.82	-0.06	0.97	0.41	0.52	0.44	0.87	0.22	0.88	0.55	0.93	0.64	0.8	-0.27	-0.03	0.25	0.27	0.84	0.86	0.5	0.88	-0.63	0.88
Short Long Term Debt Total	0.32		0.3	0.23	0.81	0.35	-0.32	0.1	0.07	0.66	-0.16	0.41	0.13	0.16	0.58	0.02	0.56	0.27	-0.36	0.95	0.27	0.26	-0.3	0.28	-0.41	0.47
Total Stockholder Equity	1.0	0.3		0.84	-0.05	0.97	0.38	0.56	0.48	0.86	0.16	0.86	0.58	0.94	0.65	0.81	-0.32	-0.07	0.23	0.26	0.85	0.87	0.48	0.87	-0.6	0.86
Property Plant And Equipment Net	0.82	0.23	0.84		0.04	0.89	0.16	0.89	0.84	0.83	-0.02	0.57	0.74	0.71	0.67	0.8	-0.37	-0.29	0.03	0.19	0.66	0.69	0.4	0.59	-0.47	0.6
Net Debt	-0.06	0.81	-0.05	0.04		0.03	-0.81	0.06	0.07	0.36	-0.56	-0.04	0.1	-0.16	0.6	-0.29	0.45	-0.06	-0.78	0.76	-0.09	-0.09	-0.5	-0.16	-0.08	0.03
Retained Earnings	0.97	0.35	0.97	0.89	0.03		0.3	0.65	0.57	0.92	0.06	0.8	0.69	0.85	0.7	0.85	-0.28	-0.11	0.14	0.3	0.78	0.8	0.43	0.8	-0.65	0.84
Cash	0.41	-0.32	0.38	0.16	-0.81	0.3		0.0	-0.05	0.06	0.75	0.47	-0.04	0.41	-0.4	0.48	-0.17	0.36	0.9	-0.29	0.4	0.4	0.51	0.52	-0.26	0.42
Non Current Assets Total	0.52	0.1	0.56	0.89	0.06	0.65	0.0		1.0	0.6	-0.21	0.21	0.78	0.45	0.5	0.69	-0.41	-0.34	-0.03	0.14	0.42	0.47	0.26	0.27	-0.16	0.28
Non Currrent Assets Other	0.44	0.07	0.48	0.84	0.07	0.57	-0.05	1.0		0.53	-0.24	0.12	0.75	0.37	0.45	0.63	-0.4	-0.35	-0.06	0.11	0.35	0.39	0.21	0.19	-0.1	0.19
Other Assets	0.87	0.66	0.86	0.83	0.36	0.92	0.06	0.6	0.53		0.0	0.74	0.6	0.69	0.8	0.66	0.04	0.01	-0.08	0.59	0.65	0.67	0.21	0.66	-0.68	0.8
Cash And Short Term Investments	0.22	-0.16	0.16	-0.02	-0.56	0.06	0.75	-0.21	-0.24	0.0		0.37	-0.37	0.15	-0.4	0.12	0.25	0.6	0.69	-0.17	0.12	0.11	0.41	0.3	-0.38	0.29
Common Stock Shares Outstanding	0.88	0.41	0.86	0.57	-0.04	0.8	0.47	0.21	0.12	0.74	0.37		0.32	0.82	0.5	0.62	-0.07	0.16	0.28	0.33	0.88	0.87	0.59	0.95	-0.64	0.94
Non Current Liabilities Total	0.55	0.13	0.58	0.74	0.1	0.69	-0.04	0.78	0.75	0.6	-0.37	0.32		0.52	0.58	0.83	-0.56	-0.5	-0.11	0.18	0.48	0.52	0.36	0.34	-0.2	0.41
Other Stockholder Equity	0.93	0.16	0.94	0.71	-0.16	0.85	0.41	0.45	0.37	0.69	0.15	0.82	0.52		0.55	0.76	-0.49	-0.11	0.31	0.18	0.89	0.91	0.53	0.86	-0.35	0.78
Total Liab	0.64	0.58	0.65	0.67	0.6	0.7	-0.4	0.5	0.45	0.8	-0.4	0.5	0.58	0.55		0.37	-0.13	-0.43	-0.58	0.48	0.51	0.53	0.16	0.45	-0.43	0.54
Property Plant And Equipment Gross	0.8	0.02	0.81	0.8	-0.29	0.85	0.48	0.69	0.63	0.66	0.12	0.62	0.83	0.76	0.37		-0.53	-0.17	0.4	0.06	0.69	0.72	0.55	0.65	-0.41	0.66
Total Current Assets	-0.27	0.56	-0.32	-0.37	0.45	-0.28	-0.17	-0.41	-0.4	0.04	0.25	-0.07	-0.56	-0.49	-0.13	-0.53		0.68	-0.14	0.48	-0.41	-0.43	-0.48	-0.26	-0.22	-0.07
Other Current Liab	-0.03	0.27	-0.07	-0.29	-0.06	-0.11	0.36	-0.34	-0.35	0.01	0.6	0.16	-0.5	-0.11	-0.43	-0.17	0.68		0.53	0.34	-0.09	-0.11	-0.28	0.05	-0.18	0.18
Total Current Liabilities	0.25	-0.36	0.23	0.03	-0.78	0.14	0.9	-0.03	-0.06	-0.08	0.69	0.28	-0.11	0.31	-0.58	0.4	-0.14	0.53		-0.25	0.24	0.24	0.29	0.33	-0.06	0.23
Short Term Debt	0.27	0.95	0.26	0.19	0.76	0.3	-0.29	0.14	0.11	0.59	-0.17	0.33	0.18	0.18	0.48	0.06	0.48	0.34	-0.25		0.25	0.25	-0.33	0.22	-0.28	0.42
Common Stock Total Equity	0.84	0.27	0.85	0.66	-0.09	0.78	0.4	0.42	0.35	0.65	0.12	0.88	0.48	0.89	0.51	0.69	-0.41	-0.09	0.24	0.25		1.0	0.6	0.95	-0.37	0.84
Common Stock	0.86	0.26	0.87	0.69	-0.09	0.8	0.4	0.47	0.39	0.67	0.11	0.87	0.52	0.91	0.53	0.72	-0.43	-0.11	0.24	0.25	1.0		0.6	0.95	-0.38	0.84
Other Liab	0.5	-0.3	0.48	0.4	-0.5	0.43	0.51	0.26	0.21	0.21	0.41	0.59	0.36	0.53	0.16	0.55	-0.48	-0.28	0.29	-0.33	0.6	0.6		0.61	-0.29	0.45
Accounts Payable	0.88	0.28	0.87	0.59	-0.16	0.8	0.52	0.27	0.19	0.66	0.3	0.95	0.34	0.86	0.45	0.65	-0.26	0.05	0.33	0.22	0.95	0.95	0.61		-0.56	0.91
Long Term Debt	-0.63	-0.41	-0.6	-0.47	-0.08	-0.65	-0.26	-0.16	-0.1	-0.68	-0.38	-0.64	-0.2	-0.35	-0.43	-0.41	-0.22	-0.18	-0.06	-0.28	-0.37	-0.38	-0.29	-0.56		-0.71
Short Term Investments	0.88	0.47	0.86	0.6	0.03	0.84	0.42	0.28	0.19	0.8	0.29	0.94	0.41	0.78	0.54	0.66	-0.07	0.18	0.23	0.42	0.84	0.84	0.45	0.91	-0.71

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ST Bancorp Account Relationship Matchups

ST Bancorp fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	8.8B	9.0B	9.5B	9.1B	9.6B	10.0B
Short Long Term Debt Total	396.5M	162.8M	76.8M	439.2M	503.6M	288.0M
Total Stockholder Equity	1.2B	1.2B	1.2B	1.2B	1.3B	1.3B
Property Plant And Equipment Net	56.9M	55.6M	52.6M	49.3M	91.1M	95.7M
Net Debt	227.2M	(66.9M)	(845.4M)	229.2M	270.0M	162.4M
Retained Earnings	761.1M	710.1M	773.7M	863.9M	959.6M	1.0B
Cash	169.3M	229.7M	922.2M	210.0M	233.6M	125.6M
Non Current Assets Total	1.2B	1.2B	1.3B	428.1M	9.3B	9.8B
Non Currrent Assets Other	(38.9M)	(52.0M)	(47.6M)	(1.1B)	7.9B	8.3B
Other Assets	7.4B	6.8B	6.3B	8.5B	9.7B	10.2B
Cash And Short Term Investments	169.3M	1.0B	1.8B	210.0M	233.6M	308.5M
Common Stock Shares Outstanding	34.6M	39.1M	39.1M	39.0M	38.7M	31.9M
Liabilities And Stockholders Equity	8.8B	9.0B	9.5B	9.1B	9.6B	10.0B
Non Current Liabilities Total	115.1M	87.8M	76.8M	7.6B	7.9B	8.2B
Other Stockholder Equity	339.0M	332.1M	336.3M	329.2M	311.1M	326.7M
Total Liab	7.6B	7.8B	76.8M	7.9B	8.3B	8.7B
Property Plant And Equipment Gross	56.9M	55.6M	130.0M	131.6M	136.0M	142.8M
Total Current Assets	169.3M	1.0B	1.8B	210.0M	233.6M	221.9M
Other Current Liab	(281.3M)	(75M)	7.9B	(370M)	(415M)	(394.3M)
Accumulated Other Comprehensive Income	(11.7M)	9.0M	(7.1M)	(112.1M)	(90.9M)	(86.4M)
Short Term Debt	281.3M	75M	96.9M	370M	415M	268.1M
Other Liab	41.6M	164.7M	124.2M	112.2M	129.1M	71.9M
Accounts Payable	7.0B	7.4B	8.0B	7.2B	8.3B	4.4B
Long Term Debt	115.1M	87.8M	76.8M	69.2M	88.6M	99.8M
Inventory	3.5M	2.2M	13.3M	3.1M	3.5M	4.8M
Treasury Stock	(32.1M)	(43.6M)	(61.0M)	(68.6M)	(78.9M)	(82.8M)
Property Plant Equipment	56.9M	101.9M	96.7M	92.4M	106.2M	111.5M
Other Current Assets	201.3M	309.8M	972.9M	219.4M	239.0M	227.1M
Intangible Assets	10.9M	8.7M	6.9M	5.4M	4.1M	3.9M
Net Tangible Assets	809.5M	772.6M	833.0M	805.9M	926.7M	641.0M
Retained Earnings Total Equity	628.1M	701.8M	761.1M	710.1M	816.6M	633.7M
Long Term Debt Total	92.9M	115.9M	115.1M	87.8M	79.0M	81.2M
Capital Surpluse	216.1M	210.3M	399.9M	400.7M	460.8M	483.8M
Long Term Investments	7.1B	18.5M	910.8M	1.0B	970.4M	921.9M
Non Current Liabilities Other	115.4M	56.6M	139.6M	229.9M	264.4M	132.3M

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When determining whether ST Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of ST Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of St Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on St Bancorp Stock:

How To Invest In STBA

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Is STBA Stock a good investment?

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What is ST Bancorp's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out World Market Map to better understand how to build diversified portfolios, which includes a position in ST Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For information on how to trade STBA Stock refer to our How to Trade STBA Stock guide.

You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global 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

(0.02)

Dividend Share

0.33

Earnings Share

3.5

Revenue Per Share

10.107

Quarterly Revenue Growth

0.014

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.

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STBA Net Interest Income vs Operating Income Analysis

Net Interest Income vs Operating Income

Net Interest Income vs Operating Income Correlation Analysis

Correlation Coefficient

Net Interest Income

Operating Income

ST Bancorp fundamental ratios Correlations

ST Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

ST Bancorp fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Stockholder Equity	+ 1.0	Total Assets
Non Currrent Assets Other	+ 1.0	Non Current Assets Total
Common Stock	+ 1.0	Common Stock Total Equity
Retained Earnings	+ 0.97	Total Assets
Retained Earnings	+ 0.97	Total Stockholder Equity
Short Term Debt	+ 0.95	Short Long Term Debt Total

Cash	- 0.81	Net Debt
Total Current Liabilities	- 0.78	Net Debt
Short Term Investments	- 0.71	Long Term Debt
Long Term Debt	- 0.68	Other Assets
Long Term Debt	- 0.65	Retained Earnings
Long Term Debt	- 0.64	Common Stock Shares Outstanding