Merchants Bancorp vs S&T Bancorp

Merchants Bancorp and S&T Bancorp Inc. This page compares business models, financial performance, and market context for the two institutions in a neutral, accessible way. Educational content, not financial advice.

Merchants Bancorp and S&T Bancorp Inc. This page compares business models, financial performance, and market context for the two institutions in a neutral, accessible way. Educational content, not fin...

Comparison Snapshot

Key Financial Metrics

MBIN

Metric

STBA

$1.57B

Market Cap

$1.54B

15.65%

Potential Profit

-1.29%

Buy

Analyst Rating

Hold

Investment Analysis

Merchants Bancorp

MBIN

Pros

Merchants Bancorp reported a 23.72% revenue increase in 2024, reaching $646.45 million, indicating strong top-line growth.
The company has a solid earnings performance with net income of $283.65 million in 2024, up 15.98% year-over-year.
Analysts maintain a positive outlook, with an average buy rating and a 12-month price target about 16% above the current price.

Considerations

Merchants Bancorp’s stock has shown volatility with a 52-week trading range between $27.25 and $47.42, which reflects market uncertainty.
The company operates in multi-family and mortgage banking segments that can be exposed to economic cycles and interest rate fluctuations.
Its beta of 1.30 suggests the stock is more volatile than the market, increasing investment risk under market stress.

S&T Bancorp

STBA

Pros

S&T Bancorp provides diversified banking services with focus on consumer, commercial, and small business banking, supporting a stable revenue base.
The company offers a relatively attractive dividend yield of around 3.5%, reflecting consistent shareholder returns.
S&T Bancorp has maintained a moderate payout ratio (0.39), which suggests room for dividend sustainability and potential growth.

Considerations

S&T Bancorp’s share price has a wide 52-week range of $30.84 to $45.79, indicating notable market price volatility.
As a regional bank, its growth and profitability could be more sensitive to local economic conditions and regulatory changes.
The stock’s price moves have been relatively flat recently, showing limited momentum or catalyst-driven upside in the short term.

About The Companies

Merchants Bancorp (MBIN)

Merchants Bancorp (MBIN) is the holding company for an Indiana-based regional bank that provides commercial and consumer banking services, including lending, deposit accounts and wealth-management solutions. With a market capitalisation around $1.47 billion, MBIN is sized as a small regional bank where net interest margin, loan growth and credit quality typically drive results. Investors often watch sensitivity to interest-rate moves, deposit trends and local economic conditions in its primary markets. The company may benefit from steady business banking relationships and modest commercial real-estate exposure, while facing competition from larger banks and fintechs. Regulatory capital, asset quality and funding costs are key indicators to monitor. This summary is educational and not personalised advice; bank stocks can be volatile and past performance does not guarantee future returns. Consider your risk tolerance and investment horizon before acting, and consult a financial adviser for specific guidance.

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.

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Comparison Snapshot