On the stock market since 1973, it operates in the world of money and finance. It has 6,800 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
An average decline of 3% a year over the last 4 years — the most striking risk in this picture.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Cost Efficiency: As sales grow, profit fails to keep the same pace.
The stock trades 17% below its peak. The market has trimmed its expectations for the company.
The average analyst price target is $87.00 — 31% above today’s price.
It pays out $2.10 per share each year — regular cash for whoever holds the stock.
Over the last 3 years, sales fell about 2% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 23/100.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.
On our five-subject report card, STC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: STC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.