German American Bancorp, Inc. (GABC) vs S&T Bancorp, Inc. (STBA)
A side-by-side comparison of German American Bancorp, Inc. and S&T Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — GABC vs STBA
growth of $100 · dividends reinvested · last 10yGABC vs STBA: by the numbers
- •GABC is the larger company ($1.84B vs $1.73B market cap).
- •GABC trades at the lower trailing earnings multiple (12.94 vs 13.10 P/E), one valuation lens rather than an overall verdict.
- •GABC converts more revenue to profit (28.24% vs 25.17% net margin).
- •GABC grew revenue faster over the past five years (17.15% vs 8.98% CAGR).
- •STBA pays the higher dividend yield (2.98% vs 2.48%).
Metrics side by side
Valuation
| Metric | GABC | STBA |
|---|---|---|
| P/E ratio | 12.94 | 13.10 |
| Forward P/E | 12.50 | 12.42 |
| PEG ratio | 2.35 | 0.29 |
| P/S ratio | 3.66 | 3.09 |
| P/B ratio | 1.52 | 1.23 |
Profitability
| Metric | GABC | STBA |
|---|---|---|
| Operating margin | 35.26% | 28.79% |
| Net margin | 28.24% | 25.17% |
| ROE | 11.73% | 10.02% |
German American Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
S&T Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | GABC | STBA |
|---|---|---|
| Dividend yield | 2.48% | 2.98% |
| Payout ratio | 32.19% | 39.04% |
Growth (annualized)
| Metric | GABC | STBA |
|---|---|---|
| Revenue CAGR (5Y) | 17.15% | 8.98% |
| EPS CAGR (5Y) | 5.51% | 45.25% |
| Total return CAGR (5Y) | 7.58% | 14.66% |
Frequently asked
- Which has the lower trailing P/E, GABC or STBA?
- GABC has the lower trailing P/E: GABC trades at 12.94 and STBA at 13.10. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, GABC or STBA?
- Over the past five years, GABC grew revenue faster — GABC at a 17.15% CAGR versus STBA at 8.98%.
- Does GABC or STBA pay a bigger dividend?
- GABC yields 2.48% and STBA yields 2.98% based on trailing dividends and the latest price.
- Is GABC or STBA more profitable?
- GABC runs the higher net margin — GABC at 28.24% versus STBA at 25.17%.
Go deeper
Dig into the metrics
German American Bancorp & S&T Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.