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Definitive Analysis

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S&T Bancorp, Inc. (STBA)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$132.25 - $500.26$222.68
Multi-Stage$83.74 - $91.52$87.56
Blended Fair Value$155.12
Current Price$37.59
Upside312.67%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS6.41%9.70%1.321.291.221.151.140.970.890.740.690.63
YoY Growth--2.55%5.87%5.93%0.86%17.64%8.17%20.90%6.66%9.38%21.20%
Dividend Yield--3.56%4.04%3.87%3.88%3.40%3.54%2.23%1.85%2.01%2.46%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)175.71
(-) Cash Dividends Paid (M)52.27
(=) Cash Retained (M)123.45
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)35.1421.9613.18
Cash Retained (M)123.45123.45123.45
(-) Cash Required (M)-35.14-21.96-13.18
(=) Excess Retained (M)88.30101.48110.27
(/) Shares Outstanding (M)38.6038.6038.60
(=) Excess Retained per Share2.292.632.86
LTM Dividend per Share1.351.351.35
(+) Excess Retained per Share2.292.632.86
(=) Adjusted Dividend3.643.984.21
WACC / Discount Rate8.40%8.40%8.40%
Growth Rate5.50%6.50%7.50%
Fair Value$132.25$222.68$500.26
Upside / Downside251.82%492.40%1,230.83%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)175.71187.13199.29212.25226.05240.74247.96
Payout Ratio29.75%41.80%53.85%65.90%77.95%90.00%92.50%
Projected Dividends (M)52.2778.21107.31139.87176.20216.66229.36

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.40%8.40%8.40%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)71.4772.1572.83
Year 2 PV (M)89.6191.3293.04
Year 3 PV (M)106.73109.79112.91
Year 4 PV (M)122.86127.59132.45
Year 5 PV (M)138.06144.73151.65
PV of Terminal Value (M)2,704.112,834.722,970.33
Equity Value (M)3,232.853,380.303,533.21
Shares Outstanding (M)38.6038.6038.60
Fair Value$83.74$87.56$91.52
Upside / Downside122.78%132.94%143.48%

High-Yield Dividend Screener

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