Oxford Lane Capital vs S&T Bancorp

Oxford Lane Capital (Oxford Lane Capital Corp.) and S&T Bancorp (S&T Bancorp Inc.) are compared on business models, financial performance, and market context. This page presents neutral, accessible information to help readers understand how the two organisations operate and compete. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OXLC

Metric

STBA

$1.41B

Market Cap

$1.54B

37.17%

Potential Profit

-1.29%

Buy

Analyst Rating

Hold

Investment Analysis

Oxford Lane Capital

OXLC

Pros

Oxford Lane Capital focuses on active portfolio management with strategic investments in collateralized loan obligations (CLOs), which can offer higher yields.
The company reported a revenue increase to $128.3 million in Q2 2025, showing quarter-over-quarter growth.
Monthly common stock distributions declared for early 2026 support regular income for investors.

Considerations

Net asset value per share decreased notably from $20.60 to $19.19 in Q2 2025, indicating a decline in underlying asset value.
Stock price has experienced significant volatility, with a decline of over 40% since January 2025.
Revenue and investment income performance remain sensitive to the high-yield and below investment grade loan market conditions, which carry higher credit risk.

S&T Bancorp

STBA

Pros

S&T Bancorp has a strong regional banking presence with diversified loan and deposit portfolios.
The company has demonstrated steady earnings growth and reasonable profitability ratios in the current banking sector environment.
It benefits from stable funding and liquidity positions supported by regional economic activity.

Considerations

S&T Bancorp faces exposure to interest rate fluctuations which could pressure net interest margin.
Regulatory compliance costs and growing competition from fintech pose ongoing operational challenges.
Economic downturns in its primary operating regions could adversely affect asset quality and loan performance.

About The Companies

Oxford Lane Capital (OXLC)

Oxford Lane Capital Corp. (OXLC) is a closed‑end investment company that primarily provides capital to credit markets, often through investments in collateralised loan obligations (CLOs), syndicated loans and related credit instruments. With a market capitalisation of about $1.35 billion, OXLC aims to generate income for shareholders and typically pays regular distributions. Investors should know that closed‑end credit vehicles can trade at a premium or discount to net asset value (NAV), and that leverage, credit selection and interest‑rate moves can amplify both returns and losses. The trust’s portfolio is exposed to below‑investment‑grade credit and structured credit risks, so periods of market stress can lead to price volatility and dividend pressure. This summary is for general educational purposes only, not personalised advice; suitability depends on an investor’s objectives, time horizon and risk tolerance. Past performance is not a guide to future results and distributions are not guaranteed.

S&T Bancorp (STBA)

S&T Bancorp, Inc. is a bank holding company that operates primarily through its main subsidiary, S&T Bank. Headquartered in Pennsylvania, it provides a comprehensive range of financial services to individuals and businesses across its core markets in Pennsylvania and Ohio. The company's operations are broken down into several key segments, including Commercial Real Estate, Commercial and Industrial lending, and Commercial Construction. It also caters to small businesses through its Business Banking division and individual customers via its Consumer Real Estate and other consumer loan services. For investors, S&T Bancorp represents a significant regional banking player with a diversified loan portfolio. As with any investment in the financial sector, its performance can be influenced by economic conditions and interest rate changes. Values can go down as well as up.

Which Baskets Do They Appear In?

High Yielding Stocks

Looking for income from your investments? These carefully selected companies have historically paid substantial dividends compared to their share prices. Our analysts have handpicked these stocks for their dividend potential.

Published: May 7, 2025

Explore Basket

Which Baskets Do They Appear In?

High Yielding Stocks

Published: May 7, 2025

Explore Basket

Buy OXLC or STBA in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Oxford Lane Capital vs S&T Bancorp

Comparison Snapshot