ST Bancorp Competitors

STBA Stock

USD 39.96 -0.21 -0.52%

The company conducts business in the Financials industry (Banks sector). ST Bancorp is often compared with 1st Source, TriCo Bancshares, Lakeland Financial, Merchants Bancorp, and National Bank and additional peers. This peer view supports relative benchmarking. This module tests whether ST Bancorp has durable advantages versus sector peers.

ST Bancorp vs Stellar Bancorp Correlation Overview

Poor diversification

The correlation between STBA and STEL is 0.78, which Macroaxis classifies as Poor diversification for the selected horizon. Used correctly, the chart helps investors judge whether adding the second position genuinely diversifies the first.

Moving against STBA Stock

0.61	MSFT	Microsoft Sell-off Trend	Pair Corr
0.4	HPQ	HP Inc Aggressive Push	Pair Corr
0.36	DIS	Walt Disney	Pair Corr
0.34	IBM	International Business	Pair Corr

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Mean reversion is the tendency of ST Bancorp's price to return to its historical average after periods of extreme deviation. Investors who identify when ST Bancorp's is significantly above or below its mean may find compelling entry or exit opportunities.

Hype

Prediction

Low	Estimated	High
38.35	39.96	41.57

Details

Intrinsic

Valuation

Low	Real	High
39.27	40.88	42.49

Details

Naive

Forecast

Low	Next	High
38.20	39.81	41.42

Details

Bollinger

Band Projection (param)

Lower	Middle Band	Upper
39.09	42.32	45.54

Details

Analyzing ST Bancorp in isolation is insufficient for informed investment decisions. Placing ST Bancorp's results in the context of its peer group reveals whether its performance is company-specific or simply a function of industry-wide trends.

ST Bancorp Competition Correlation Matrix

Correlation analysis between ST Bancorp and its competitors helps investors understand whether diversification is real or only superficial inside the same peer group. This matrix is most informative when investors want to know whether adding another peer would improve diversification, increase crowding, or leave total risk largely unchanged.

	SRCE	TCBK	LKFN	MBIN	NBHC	GABC	FCF	FRME	QCRH	STEL
SRCE		0.6	0.65	0.91	0.78	0.83	0.78	0.76	0.73	0.91	SRCE
TCBK	0.6		0.93	0.38	0.79	0.69	0.84	0.81	0.89	0.45	TCBK
LKFN	0.65	0.93		0.44	0.76	0.72	0.86	0.83	0.91	0.51	LKFN
MBIN	0.91	0.38	0.44		0.64	0.78	0.68	0.69	0.6	0.95	MBIN
NBHC	0.78	0.79	0.76	0.64		0.74	0.88	0.79	0.83	0.69	NBHC
GABC	0.83	0.69	0.72	0.78	0.74		0.86	0.87	0.84	0.83	GABC
FCF	0.78	0.84	0.86	0.68	0.88	0.86		0.93	0.95	0.77	FCF
FRME	0.76	0.81	0.83	0.69	0.79	0.87	0.93		0.92	0.71	FRME
QCRH	0.73	0.89	0.91	0.6	0.83	0.84	0.95	0.92		0.69	QCRH
STEL	0.91	0.45	0.51	0.95	0.69	0.83	0.77	0.71	0.69		STEL
	SRCE	TCBK	LKFN	MBIN	NBHC	GABC	FCF	FRME	QCRH	STEL

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Risk-Adjusted Indicators

Strong stock returns do not always mean ST Bancorp Company is outperforming its peers on a fundamental level. Risk-adjusted metrics allow investors to compare ST Bancorp's efficiency and downside exposure against peers in a more meaningful way. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
SRCE	0.95	0.05	0.05	0.05	1.28	-0.98	1.79	-2.04	7.05
TCBK	1.05	-0.06	0.00	-0.11	0.00	0.00	1.95	-1.70	8.24
LKFN	1.15	-0.02	0.00	-0.07	0.00	0.00	3.03	-2.61	7.47
MBIN	1.83	0.33	0.15	0.24	2.02	-1.96	3.90	-3.83	20.31
NBHC	1.06	0.02	0.00	-0.02	0.00	0.00	2.70	-1.92	11.12
GABC	1.19	0.03	0.05	-0.79	1.49	-1.23	2.71	-2.98	8.40
FCF	0.98	0.02	0.00	-0.02	0.00	0.00	2.25	-2.27	8.57
FRME	1.12	-0.02	0.00	-0.06	0.00	0.00	2.47	-1.68	9.19
QCRH	1.14	-0.04	0.00	-0.08	0.00	0.00	2.32	-3.19	8.88
STEL	1.10	0.21	0.18	0.20	1.00	-1.30	2.18	-1.79	14.76

ST Bancorp Competitive Analysis

Sizing up ST Bancorp against 1st Source, TriCo Bancshares, and Lakeland Financial reveals meaningful differences in scale and efficiency. At a 1.54 B valuation, ST Bancorp brings in 568.5 M on the top line. The company converts revenue to profit at a 34.01% rate and delivers 9.44% on shareholder equity. ST Bancorp carries a higher earnings multiple of 36.73x compared to 15.73x for 1st Source. Profit margins tilt toward ST Bancorp at 34.01% against TriCo Bancshares at 29.96%. On equity returns, Lakeland Financial earns 14.29% compared to 9.44% at ST Bancorp.

Better Than Average

Worse Than Peers

View Performance Chart

	STBA	SRCE	TCBK	LKFN	MBIN	NBHC	GABC	FCF	FRME	QCRH
	0.52 39.96 STBA	1.16 67.08 1st	0.91 46.65 TriCo	0.95 56.45 Lakeland	0.26 41.93 Merchants	0.95 38.65 National	0.47 40.26 German	0.06 16.77 First	0.24 36.67 First	0.57 82.17 QCR
Market Volatility (90 Days Market Risk)	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low
Market Performance (90 Days Performance)	Weak	Soft	Weak	Weak	Moderate	Weak	Weak	Weak	Weak	Weak
Odds of Financial Distress (Probability Of Bankruptcy)	Low	Low	Low	Low	Low	Low	Low	Low	Low	Low
Current Valuation (Equity Enterprise Value)	Fairly Valued	Fairly Valued	Fairly Valued	Fairly Valued	Under Valued	Fairly Valued	Fairly Valued	Fairly Valued	Fairly Valued	Over Valued
Buy or Sell Analysis (Average Analysts Consensus)	Not Available	Buy	Buy	Buy	Not Available	Not Available	Not Available	Buy	Strong Buy	Strong Buy
Trade Advice (90 Days Macroaxis Advice)	Strong Hold	Strong Hold	Strong Hold	Strong Hold	Strong Buy	Strong Hold	Sell	Strong Hold	Strong Hold	Hold
Net Asset	9.87 B	9.06 B	9.82 B	6.99 B	19.45 B	9.88 B	8.39 B	12.37 B	19.03 B	9.58 B
Profit Margin	0.34	0.38	0.3	0.4	0.39	0.28	0.33	0.31	0.35	0.36
EBITDA	175.05 M	214.03 M	182.8 M	130.37 M	267.26 M	164.51 M	140.07 M	204.68 M	288.54 M	135.9 M
Operating Margin	0.44	0.5	0.43	0.53	0.52	0.24	0.47	0.46	0.43	0.41
Current Valuation	1.62 B	1.9 B	1.5 B	1.49 B	5.44 B	1.42 B	1.58 B	1.98 B	3.09 B	1.73 B
Price To Book	1.0	1.3	1.15	1.95	1.11	1.26	1.29	1.1	0.95	1.24
Retained Earnings	1.12 B	1.02 B	740.24 M	788.35 M	1.49 B	572.46 M	582.95 M	1.07 B	1.41 B	773.35 M
Five Year Return	3.35	2.38	2.19	2.19	N/A	1.99	2.06	3.16	2.58	0.57
Beta	0.88	0.61	0.62	0.73	1.2	0.79	0.6	0.78	0.91	0.8
Number Of Employees	1.21 K	1.19 K	1.14 K	655	735	1.25 K	984	1.52 K	2.09 K	967
Shares Outstanding	36.55 M	24.33 M	32.15 M	26.06 M	45.96 M	45.01 M	37.5 M	102.14 M	63.39 M	16.69 M
Cash Flow From Operations	133.62 M	223.12 M	133.29 M	114.89 M	-341.25 M	162.42 M	159.32 M	187.45 M	283.65 M	55.71 M
Annual Yield	0.0358	0.0236	0.0298	0.0365	0.0098	0.0328	0.0294	0.0322	0.0392	0.0048
Total Debt	310.95 M	340.71 M	80.23 M	184.2 M	3.84 B	71.89 M	182.68 M	452.33 M	999.93 M	617.87 M
Return On Equity	0.0944	0.13	0.0954	0.14	0.0967	0.0815	0.12	0.1	0.0947	0.12
Return On Asset	0.0138	0.0176	0.0125	0.0151	0.0114	0.0111	0.0153	0.0127	0.0121	0.0137
Number Of Shares Shorted	1.1 M	274.75 K	640.08 K	1.99 M	2.03 M	1.14 M	1.15 M	2.2 M	1 M	257.4 K
Book Value Per Share	39.14	52.32	41.07	30.23	37.69	36.67	31.0	15.17	42.87	66.64
Total Asset	9.87 B	9.06 B	9.82 B	6.99 B	19.45 B	9.88 B	8.39 B	12.37 B	19.03 B	9.58 B
Debt To Equity	6.98	7.06	0.15	8.59	11.3	6.59	8.16	8.13	6.95	10.48
Short Ratio	4.18	2.44	3.92	11.29	3.53	2.04	8.45	2.54	2.16	2.59
Target Price	45.0	76.33	55.17	65.6	47.33	46.25	47.33	20.33	46.8	102.6
Last Dividend Paid	1.4	1.56	1.38	2.02	0.4	1.23	1.18	0.54	1.43	0.24
Shares Owned By Institutions	74.91	75.25	71.41	82.97	35.79	85.27	52.93	77.88	71.23	80.32
Market Capitalization	1.54 B	1.66 B	1.53 B	1.47 B	1.92 B	1.76 B	1.51 B	1.74 B	2.32 B	1.38 B
Price To Earning	36.73	15.73	19.22	22.36	5.54	14.95	15.22	13.26	14.38	8.89
Price To Earnings To Growth	1.23	1.37	1.94	1.44	N/A	1.57	1.46	1.46	1.4	1.02
Price To Sales	3.89	3.94	3.77	5.72	3.41	4.41	4.41	3.58	3.62	3.94
Net Income	134.23 M	158.26 M	121.56 M	103.36 M	218.77 M	109.57 M	112.64 M	152.3 M	226 M	127.19 M
Earnings Per Share	3.49	6.41	3.68	3.97	3.78	2.85	3.08	1.47	3.87	7.44
Shares Owned By Insiders	1.67	26.48	8.38	2.75	44.47	4.26	4.35	2.08	1.67	3.6
Revenue	568.51 M	600 M	533.31 M	421.71 M	1.37 B	583.94 M	487.4 M	729.44 M	1.05 B	596.75 M
Cash And Equivalents	134.9 M	144.52 M	246.51 M	204.8 M	472.79 M	476.01 M	532.96 M	180.77 M	299.12 M	342.36 M
Cash Per Share	3.46	5.86	7.39	8.08	10.97	15.91	18.08	1.94	5.06	20.28
Gross Profit	394.7 M	421.22 M	405.78 M	257.19 M	563.69 M	398.27 M	342.02 M	485.53 M	641.7 M	351.46 M
Day Typical Price	40.24	67.47	47.01	56.86	42.25	39.04	40.28	16.84	36.75	82.26
Accumulation Distribution	6248.03	4435.9	3447.02	4132.83	7675.38	25089.93	0.0148	13266.62	9912.82	4369.24
Market Facilitation Index	0.0	0.0	0.0	0.0	0.0	0.0	0.6	N/A	0.0	0.0
Daily Balance Of Power	-0.17	-0.42	-0.36	-0.36	0.1028	-0.28	0.3167	-0.03	-0.11	-0.19
Period Momentum Indicator	-0.21	-0.79	-0.43	-0.54	0.11	-0.37	0.19	-0.01	-0.09	-0.47
Rate Of Daily Change	0.99	0.99	0.99	0.99	1.0	0.99	1.0	1.0	1.0	0.99
Day Median Price	40.38	67.66	47.19	57.07	42.42	39.24	40.29	16.88	36.8	82.31
Price Action Indicator	-0.52	-0.98	-0.75	-0.89	-0.43	-0.78	0.065	-0.11	-0.17	-0.37
Relative Strength Index	40.24	47.6	40.79	41.64	52.15	42.45	43.9	39.36	39.5	39.73
Coefficient Of Variation	-3,287	3560.39	-1,745	-3,044	967.55	-8,875	3451.74	-24,131	-2,983	-2,262
Mean Deviation	1.11	0.9465	1.05	1.15	1.83	1.06	1.19	0.9768	1.12	1.14
Jensen Alpha	-0.02	0.0479	-0.06	-0.02	0.3312	0.0195	0.0347	0.0158	-0.02	-0.04
Total Risk Alpha	0.0234	0.0907	-0.02	0.0192	0.4306	0.0536	0.1197	0.0562	0.0179	0.0016
Sortino Ratio	N/A	0.0506	N/A	N/A	0.1451	N/A	0.0492	N/A	N/A	N/A
Downside Variance	N/A	1.72	N/A	N/A	5.0	N/A	2.48	N/A	N/A	N/A
Standard Deviation	1.57	1.26	1.37	1.55	2.84	1.57	1.61	1.39	1.54	1.55
Kurtosis	2.38	1.07	1.21	1.04	12.48	3.95	0.7066	2.07	1.84	1.57
Potential Upside	2.21	1.79	1.95	3.03	3.9	2.7	2.71	2.25	2.47	2.32
Treynor Ratio	-0.06	0.0463	-0.11	-0.07	0.2436	-0.02	-0.79	-0.02	-0.06	-0.08
Maximum Drawdown	9.25	7.05	8.24	7.47	20.31	11.12	8.4	8.57	9.19	8.88
Variance	2.46	1.59	1.87	2.39	8.07	2.47	2.58	1.93	2.36	2.4
Market Risk Adjusted Performance	-0.05	0.0563	-0.1	-0.06	0.2536	-0.01	-0.78	-0.01	-0.05	-0.07
Risk Adjusted Performance	-0.02	0.0259	-0.04	-0.02	0.0889	-0.0039	0.028	0.001	-0.02	-0.03
Skewness	-0.50	-0.35	0.1254	0.5546	2.39	0.0111	0.2248	0.1673	-0.17	0.1903
Semi Deviation	N/A	1.28	N/A	N/A	2.02	N/A	1.49	N/A	N/A	N/A
Information Ratio	-0.01	0.0525	-0.03	-0.01	0.1142	0.0084	0.0482	0.018	-0.01	-0.02
Value At Risk	-2.54	-2.04	-1.70	-2.61	-3.83	-1.92	-2.98	-2.27	-1.68	-3.19
Expected Short fall	N/A	-0.98	N/A	N/A	-1.96	N/A	-1.23	N/A	N/A	N/A
Downside Deviation	N/A	1.31	N/A	N/A	2.24	N/A	1.57	N/A	N/A	N/A
Semi Variance	N/A	1.63	N/A	N/A	4.08	N/A	2.21	N/A	N/A	N/A

ST Bancorp Competition Peer Performance Charts

How to Analyze ST Bancorp Against Peers

ST Bancorp's peer analysis compares ST Bancorp with related companies to put valuation, quality, and risk metrics in context. This helps determine whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:

Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
Check valuation dispersion: Review whether ST Bancorp trades at a premium or discount versus peers and why.
Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
Document the thesis: Record where ST Bancorp leads or lags and what catalysts could close or widen the gap.

Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

Peer Comparison Metrics & Methodology

Peer analysis for ST Bancorp uses the most recent available fundamentals rather than static annual comparisons, improving relevance as conditions evolve. Competition analysis is most useful when price, margins, leverage, and growth are read together. For peer comparison, ST Bancorp has a market cap of 1.54 B, P/E of 36.73, profit margin of 34.01%.

Data shown for ST Bancorp is aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Source publication cadence can introduce delays.

This content is curated and reviewed by:

Vlad Skutelnik - Macroaxis Contributor

Last reviewed on March 15th, 2026

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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ST Bancorp Competitors

ST Bancorp vs Stellar Bancorp Correlation Overview

Moving against STBA Stock

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ST Bancorp Competition Correlation Matrix

Risk-Adjusted Indicators

ST Bancorp Competitive Analysis

ST Bancorp Competition Peer Performance Charts

How to Analyze ST Bancorp Against Peers

Peer Comparison Metrics & Methodology

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