STBAS&T BANCORP INC
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.8B
- Employees
- 1,209
- Net debt / EBITDA
- —
- $21M net debt
- AI in 10-K
- 1.2
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo100% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo67% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo4% of assetsOver 40% of assets
- Shareholder dissentNo95% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo1.2 per 10K words · 38th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.8B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$887K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $110M | $136M | $145M | $131M | $134M | 2.3% |
| Operating cash flow | $215M | $241M | $172M | $173M | $134M | 23% |
| Capex | $4M | $4M | $6M | $3M | $5M | 62% |
| Stock-based comp | $2M | $3M | $4M | $5M | $5M | 16% |
| Buybacks | $0 | $8M | $20M | $0 | $36M | |
| Dividends | $44M | $47M | $50M | $51M | $53M | 3.8% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $887K · 27
- Net
- −$887K
Pay vs performance
No pay-versus-performance disclosure yet.