S&T Bancorp [STBA] vs U.S. Bancorp [USB] Detailed Stock Comparison

S&T Bancorp, Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: S&T Bancorp, Inc. wins in 9 metrics, U.S. Bancorp wins in 10 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric S&T Bancorp, Inc. U.S. Bancorp Better
P/E Ratio (TTM) 12.45 11.92 U.S. Bancorp
Price-to-Book Ratio 1.11 1.51 S&T Bancorp, Inc.
Debt-to-Equity Ratio 0.24 1.21 S&T Bancorp, Inc.
PEG Ratio 2.45 0.82 U.S. Bancorp
Profit Margin (TTM) 34.01% 29.29% S&T Bancorp, Inc.
Operating Margin (TTM) 43.66% 37.84% S&T Bancorp, Inc.
EBITDA Margin (TTM) 43.66% 37.84% S&T Bancorp, Inc.
Return on Equity 9.44% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.38% 1.14% S&T Bancorp, Inc.
Free Cash Flow (TTM) $128.85M $7.97B U.S. Bancorp
Dividend Yield 4.08% 3.82% S&T Bancorp, Inc.
1-Year Return 31.24% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 4.03 3.32 U.S. Bancorp
Enterprise Value $1.77B $126.46B U.S. Bancorp
EV/Revenue Ratio 4.49 4.75 S&T Bancorp, Inc.
Revenue per Share (TTM) $10 $17 U.S. Bancorp
Earnings per Share (Diluted) $3.49 $4.77 U.S. Bancorp
Beta (Stock Volatility) 0.85 1.03 S&T Bancorp, Inc.
Short % of Float 4.16% 0.00% U.S. Bancorp

S&T Bancorp, Inc. vs U.S. Bancorp Stock Performance Analysis

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STBA
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
S&T Bancorp, Inc.-1.23%2.85%9.15%17.65%10.52%20.44%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
S&T Bancorp, Inc.31.24%62.81%55.06%88.46%167.47%43.95%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: S&T Bancorp, Inc. vs U.S. Bancorp

MetricSTBAUSB
Market Information
Market Cap i$1.59B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i194,1389,829,002
90 Day Avg. Volume i252,63610,401,007
Last Close$47.26$57.79
52 Week Range$34.01 - $48.70$42.55 - $61.19
% from 52W High-2.96%-5.56%
All-Time High$48.70 (Jun 15, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-2.96%-9.09%
Growth Metrics
Quarterly Revenue Growth0.03%0.05%
Quarterly Earnings Growth0.03%0.14%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.44%0.38%
Return on Equity (TTM) i0.09%0.12%
Debt to Equity (MRQ) i0.241.21
Cash & Liquidity
Book Value per Share (MRQ)$39.14$37.54
Cash per Share (MRQ)$5.40$31.14
Operating Cash Flow (TTM) i$133.62M$6.04B
Levered Free Cash Flow (TTM) i$134.23M$7.19B
Dividends
Last 12-Month Dividend Yield i4.08%3.82%
Last 12-Month Dividend i$1.74$2.04

Valuation & Enterprise Metrics Analysis: S&T Bancorp, Inc. vs U.S. Bancorp

MetricSTBA (Apr 22, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4511.92
Forward P/E i11.4210.09
PEG Ratio i2.450.82
Price to Sales (TTM) i4.033.32
Price to Book (MRQ) i1.111.51
Market Capitalization
Market Capitalization i$1.59B$88.06B
Enterprise Value i$1.77B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i4.494.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.851.03
Book Value per Share (MRQ) i$39.14$37.54

Financial Statements Comparison: S&T Bancorp, Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSTBA (2025)USB (2025)
Revenue/Sales i402.12M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i167.94M9.52B
Pre-Tax Income % of Revenue i41.8%33.3%
Income Tax i33.71M1.92B
Income Tax % of Revenue i8.4%6.7%
Net Income (Profit) i134.23M7.60B
Profit Margin i33.4%26.6%

Balance Sheet & Liquidity Metrics

MetricSTBA (2025)USB (2025)
Cash & Equivalents i163.44M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i100.29M60.76B
Long-Term Debt % of Revenue i24.9%212.9%
Total Shareholders Equity i1.46B65.65B
Retained Earnings i1.12B80.91B
Retained Earnings % of Revenue i278.6%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricSTBA (2025)USB (2025)
Operating Cash Flow i127.38M6.04B
Operating Cash Flow % of Revenue i31.7%21.2%
Capital Expenditures i-4.77MN/A
Free Cash Flow i128.85M7.97B
FCF Margin i32.0%27.9%
Debt Repayment i-81,000-9.05B
Common Stock Repurchase i-37.95M-489.00M

Short Interest & Institutional Ownership Analysis

MetricSTBAUSB
Shares Short i1.27M27,002
Short Ratio i4.390.00
Short % of Float i4.16%0.00%
Shares Outstanding i37.40M1.56B
Float Shares i36.07M1.55B
% Held by Insiders i1.54%0.14%
% Held by Institutions i74.78%83.55%
% Held by Public i23.68%16.31%

Dividend Analysis & Yield Comparison: S&T Bancorp, Inc. vs U.S. Bancorp

MetricSTBAUSB
Last 12-Month Dividend i$1.74$2.04
Last 12-Month Dividend Yield i4.08%3.82%
3-Year Avg Annual Dividend i$1.45$1.98
3-Year Avg Dividend Yield i0.96%1.19%
3-Year Total Dividends i$4.36$5.95
Ex-Dividend DateFeb 12, 2026Dec 31, 2025