S&T Bancorp vs National Bank Holdings
This page compares S&T Bancorp and National Bank Holdings, examining their business models, financial performance, and market context to help readers understand how they compare. The analysis is neutral and accessible, presenting information clearly without speculation. Educational content, not financial advice.
This page compares S&T Bancorp and National Bank Holdings, examining their business models, financial performance, and market context to help readers understand how they compare. The analysis is neutr...
Investment Analysis
S&T Bancorp
STBA
Pros
- Reported strong Q3 2025 net income growth to $35.0 million and earnings per share of $0.91, beating estimates and improving compared to prior quarters.
- Improved profitability metrics with return on average assets (ROA) at 1.42%, return on average equity (ROE) at 9.48%, and pre-provision net revenue growth demonstrating operational efficiency.
- Maintains strong asset quality with low nonperforming assets (0.27% of total loans) and a well-covered allowance for credit losses at 1.24% of loans.
Considerations
- Q3 2025 revenue met but did not exceed market expectations, limiting top-line growth enthusiasm.
- Market reaction has been muted or slightly negative despite earnings beat, indicating investor concerns or valuation pressures.
- Geographically limited footprint primarily in Pennsylvania, Ohio, and New York markets, potentially constraining growth opportunities outside these regions.
Pros
- No detailed recent financial data found in the current search results, preventing specific advantage identification.
- Potential implicit growth opportunities exist due to being a bank holding company in a competitive market environment.
- May benefit from broader banking sector tailwinds if aligned with typical regional bank growth and profitability trends.
Considerations
- Lack of available recent financial and operational data limits transparency on performance and risk profile.
- Smaller market presence and capitalization compared to larger banking competitors may limit scale advantages.
- Possible exposure to regional economic cycles and regulatory changes typical for regional bank holding companies.
Which Baskets Do They Appear In?
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Which Baskets Do They Appear In?
No baskets available in this category
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