DDM Analysis: STBA

Valuation Snapshot

Stable Growth	$131.85 - $495.43	$221.66
Multi-Stage	$83.60 - $91.36	$87.41
Blended Fair Value	$154.53
Current Price	$37.59
Upside	311.10%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	6.41%	9.70%	1.32	1.29	1.22	1.15	1.14	0.97	0.89	0.74	0.69	0.63
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

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	35.14	21.96	13.18
Cash Retained (M)	123.45	123.45	123.45
(-) Cash Required (M)	-35.14	-21.96	-13.18
(=) Excess Retained (M)	88.30	101.48	110.27
(/) Shares Outstanding (M)	38.60	38.60	38.60
(=) Excess Retained per Share	2.29	2.63	2.86
LTM Dividend per Share	1.35	1.35	1.35
(+) Excess Retained per Share	2.29	2.63	2.86
(=) Adjusted Dividend	3.64	3.98	4.21
WACC / Discount Rate	8.41%	8.41%	8.41%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$131.85	$221.66	$495.43
Upside / Downside	250.76%	489.67%	1,217.99%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	175.71	187.13	199.29	212.25	226.05	240.74	247.96
Payout Ratio	29.75%	41.80%	53.85%	65.90%	77.95%	90.00%	92.50%
Projected Dividends (M)	52.27	78.21	107.31	139.87	176.20	216.66	229.36

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.41%	8.41%	8.41%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	71.47	72.14	72.82
Year 2 PV (M)	89.60	91.30	93.03
Year 3 PV (M)	106.70	109.77	112.89
Year 4 PV (M)	122.82	127.55	132.41
Year 5 PV (M)	138.00	144.67	151.59
PV of Terminal Value (M)	2,698.61	2,828.95	2,964.29
Equity Value (M)	3,227.20	3,374.38	3,527.01
Shares Outstanding (M)	38.60	38.60	38.60
Fair Value	$83.60	$87.41	$91.36
Upside / Downside	122.39%	132.53%	143.05%

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S&T Bancorp, Inc. (STBA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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