S&T Bancorp, Inc. — Earnings Quality Grade B
STBA · Financial Services
Generally healthy
Screening Summary
管理层信号
数据来源：SEC EDGAR 8-K Item 5.02，附 Exhibit 99.1 链接
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 4.7%, CFFO -22.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 62.4% is >2x revenue growth 4.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.00. Profits backed by cash
FCF $0.1B, FCF/NI = 0.96
Accruals ratio = 0.0%. Low accruals
Cash $0.2B covers 62% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 26% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
S&T Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25