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INDB vs STBA
Which Stock Would AI Choose? Independent Bank Corp. (INDB) vs. S&T Bancorp, Inc. (STBA) Stock Comparison
Key Takeaways
- Both INDB and STBA are regional banks offering dividend yields near 3.3%, appealing for income-focused investors in the financial sector.
- INDB delivered robust Q1 2026 earnings with net income of $79.9 million and net interest margin (NIM, a key measure of lending profitability) expansion, boosting recent momentum.
- STBA exhibits stronger year-to-date (YTD) performance at approximately 13.7%, outperforming INDB's 7.6% amid regional banking recovery.
- INDB leads in one-year returns with 44%, supported by a larger market cap of $3.8 billion versus STBA's $1.6 billion.
- Low betas (INDB 0.81, STBA 0.85) indicate both stocks offer relative stability compared to broader market volatility.
- Recent analyst initiations: Overweight on INDB ($88 PT), Neutral on STBA ($47 PT).
Introduction
This stock comparison pits INDB against STBA, two mid-cap regional banks serving the Northeastern U.S. with retail and commercial services. Investors tracking financial sector relative performance, dividend stability, or banking trends amid interest rate shifts will find value here. Both operate in similar environments—facing net interest margin pressures and commercial real estate (CRE) exposure—but differ in scale, recent catalysts, and momentum. By examining business models, performance metrics, and market sentiment, traders can gauge positioning in the current environment of moderating inflation and potential rate cuts.
INDB Overview and Recent Performance
Independent Bank Corp. (INDB) is the holding company for Rockland Trust Company, providing banking, loans, deposits, and wealth management primarily in New England. With a market cap of $3.8 billion, it focuses on commercial real estate, industrial loans, and consumer products. In recent market activity, INDB shares have shown resilience, up about 8% over the past month and 44% over the last year, trading near the upper end of its 52-week range ($52-$87). Key influences include Q1 2026 earnings on April 16, reporting $79.9 million net income, EPS (earnings per share) of $1.68, and NIM expansion of 13 basis points, alongside ongoing capital returns via buybacks and dividends (3.3% yield). Stable asset quality and C&I (commercial and industrial) loan growth have supported positive sentiment, despite cautious CRE trends.
STBA Overview and Recent Performance
S&T Bancorp, Inc. (STBA) serves as the holding company for S&T Bank, offering retail, commercial banking, and wealth services across Pennsylvania, Ohio, and West Virginia, with over $9 billion in assets. Market cap stands at $1.6 billion, emphasizing deposits, loans, and fee-based income. Recent weeks have seen STBA near its 52-week high ($34-$45), with YTD gains of 13.7%, monthly up 8%, and one-year around 28-36%. Trading at a forward PE of 13.8 with 3.3% dividend yield, performance reflects sector tailwinds and leadership stability via CEO Christopher McComish's four-year contract extension. Q1 2026 earnings, due April 23, are anticipated to show revenue growth of about 9%, amid steady ROE (return on equity, a profitability gauge) near 9.4%.
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Head-to-Head Comparison
Business models align as regional banks: INDB emphasizes New England CRE and C&I loans, while STBA focuses on PA/WV retail-commercial mix. Growth drivers differ—INDB shows NIM gains and capital returns; STBA steady deposits but pending earnings clarity. Recent momentum favors STBA's YTD edge, but INDB's 1Y outperformance highlights scale advantages. Risk factors include shared CRE exposure and rate sensitivity, though low betas mitigate volatility. Valuations: STBA cheaper at 12.7x trailing PE vs. INDB's 15.5x. Market sentiment tilts to INDB post-earnings and analyst upgrade, versus STBA's neutral outlook.
Tickeron AI Verdict
Tickeron's AI models would likely favor INDB in the near term, based on trend consistency from Q1 earnings strength, superior one-year momentum, and fresh analyst support signaling upside potential to $88. While STBA offers attractive valuation and YTD gains, its relative positioning awaits Q1 results for confirmation. Probabilistic edge to INDB amid stabilizing banking catalysts.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is INDB is a Buy and STBA is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
INDB’s FA Score shows that 0 FA rating(s) are green whileSTBA’s FA Score has 2 green FA rating(s).
- INDB’s FA Score: 0 green, 5 red.
- STBA’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
INDB’s TA Score shows that 5 TA indicator(s) are bullish while STBA’s TA Score has 4 bullish TA indicator(s).
- INDB’s TA Score: 5 bullish, 4 bearish.
- STBA’s TA Score: 4 bullish, 4 bearish.
Price Growth
INDB (@Regional Banks) experienced а +4.65% price change this week, while STBA (@Regional Banks) price change was +4.93% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
INDB is expected to report earnings on Jul 16, 2026.
STBA is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (+3.72% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| INDB | STBA | INDB / STBA | |
| Capitalization | 4.02B | 1.72B | 233% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 14.941 | 23.653 | 63% |
| P/E Ratio | 16.55 | 13.44 | 123% |
| Revenue | 923M | 410M | 225% |
| Total Cash | 203M | 74M | 274% |
| Total Debt | 776M | 150M | 517% |
INDB | STBA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 27 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 88 Overvalued | 40 Fair valued | |
PROFIT vs RISK RATING 1..100 | 76 | 28 | |
SMR RATING 1..100 | 34 | 46 | |
PRICE GROWTH RATING 1..100 | 45 | 43 | |
P/E GROWTH RATING 1..100 | 40 | 30 | |
SEASONALITY SCORE 1..100 | 65 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
STBA's Valuation (40) in the Regional Banks industry is somewhat better than the same rating for INDB (88). This means that STBA’s stock grew somewhat faster than INDB’s over the last 12 months.
STBA's Profit vs Risk Rating (28) in the Regional Banks industry is somewhat better than the same rating for INDB (76). This means that STBA’s stock grew somewhat faster than INDB’s over the last 12 months.
INDB's SMR Rating (34) in the Regional Banks industry is in the same range as STBA (46). This means that INDB’s stock grew similarly to STBA’s over the last 12 months.
STBA's Price Growth Rating (43) in the Regional Banks industry is in the same range as INDB (45). This means that STBA’s stock grew similarly to INDB’s over the last 12 months.
STBA's P/E Growth Rating (30) in the Regional Banks industry is in the same range as INDB (40). This means that STBA’s stock grew similarly to INDB’s over the last 12 months.
| INDB | STBA | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 71% | 3 days ago 74% |
| Stochastic ODDS (%) | 3 days ago 69% | 3 days ago 55% |
| Momentum ODDS (%) | 3 days ago 66% | 3 days ago 64% |
| MACD ODDS (%) | 3 days ago 74% | 3 days ago 77% |
| TrendWeek ODDS (%) | 3 days ago 64% | 3 days ago 62% |
| TrendMonth ODDS (%) | 3 days ago 60% | 3 days ago 54% |
| Advances ODDS (%) | 3 days ago 61% | 5 days ago 65% |
| Declines ODDS (%) | 14 days ago 71% | 18 days ago 65% |
| BollingerBands ODDS (%) | 3 days ago 70% | 3 days ago 63% |
| Aroon ODDS (%) | 3 days ago 56% | 3 days ago 45% |
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|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| FTGS | 37.04 | 0.18 | +0.50% |
| First Trust Growth Strength ETF | |||
| QCJA | 23.23 | 0.05 | +0.22% |
| FT Vest Nasdaq-100 Cnsrv Buffr ETF - Jan | |||
| QQQD | 13.21 | 0.02 | +0.15% |
| Direxion Daily Concentrated Qs Bear 1X Shares | |||
| VSOL | 8.88 | -0.02 | -0.27% |
| VanEck Solana ETF | |||
| TZA | 4.16 | -0.11 | -2.58% |
| Direxion Daily Small Cap Bear 3X ETF | |||
INDB and
Correlation & Price change
A.I.dvisor indicates that over the last year, INDB has been closely correlated with HOMB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if INDB jumps, then HOMB could also see price increases.
| Ticker / NAME | Correlation To INDB | 1D Price Change % | ||
|---|---|---|---|---|
| INDB | 100% | +1.81% | ||
| HOMB - INDB | 88% Closely correlated | +1.44% | ||
| STBA - INDB | 87% Closely correlated | +1.51% | ||
| UBSI - INDB | 86% Closely correlated | +2.35% | ||
| BOKF - INDB | 85% Closely correlated | +1.82% | ||
| ONB - INDB | 85% Closely correlated | +1.82% | ||
More | ||||
STBA and
Correlation & Price change
A.I.dvisor indicates that over the last year, STBA has been closely correlated with FCF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if STBA jumps, then FCF could also see price increases.
| Ticker / NAME | Correlation To STBA | 1D Price Change % | ||
|---|---|---|---|---|
| STBA | 100% | +1.51% | ||
| FCF - STBA | 87% Closely correlated | +1.58% | ||
| NBTB - STBA | 87% Closely correlated | +1.07% | ||
| PRK - STBA | 87% Closely correlated | +1.33% | ||
| UBSI - STBA | 86% Closely correlated | +2.35% | ||
| FRME - STBA | 86% Closely correlated | +2.14% | ||
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