St. Joseph, Inc. (STJO) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
St. Joseph, Inc. (STJO) trades at $0.0411. St. Joseph, Inc. operates in the financial services sector, focusing on staffing solutions. Market cap: $2.24M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for STJO: STJO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates STJO against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on STJO.
How is this calculated? →St. Joseph, Inc. (STJO) Financial Services Profile
St. Joseph, Inc., through Staf*Tek Services, specializes in the recruitment and placement of technical and finance personnel, primarily in the Tulsa, Oklahoma area. Operating within the financial services sector as a shell company, it offers staffing solutions ranging from IT specialists to accounting professionals, serving diverse project needs.
What Is the Investment Thesis for STJO?
St. Joseph, Inc. presents a focused investment profile within the financial services sector, specifically in the staffing industry. The company's gross margin of 73.3% indicates efficient service delivery. However, its market capitalization of $2.24M reflects its small size and limited market presence. A P/E ratio of 11.45 suggests a potentially undervalued stock, but this should be considered in the context of its OTC listing and associated risks. Growth catalysts may include expansion of its service offerings or geographic reach beyond the Tulsa area. Potential risks include the company's reliance on a single subsidiary and the competitive nature of the staffing industry. Investors should carefully evaluate the company's growth potential and risk factors before considering an investment.
Based on FMP financials and quantitative analysis
STJO Key Highlights
Gross margin of 73.3% suggests efficient service delivery in the staffing sector.
- P/E ratio of 11.45 indicates potential undervaluation, but requires careful analysis due to OTC listing.
- Market capitalization of $2.24M reflects the company's small size and limited market presence.
- Profit margin of 5.1% demonstrates profitability, but leaves room for improvement.
- Beta of 0.21 suggests low volatility compared to the overall market.
Who Are STJO's Competitors?
STJO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CAVG ACC Aviation Holdings Ltd. | $0.61 | +0.00% | $303M | 44 |
| FWFW Flywheel Advanced Technology, Inc. | $0.25 | +0.00% | $7.43M | 48 |
| NIHL New Infinity Holdings, Ltd. | $0.10 | +0.00% | $10.8M | 62 |
| LRGR Luminar Media Group, Inc. | $0.50 | +47.06% | $22.4M | 68 |
| CLAYU Chavant Capital Acquisition Corp. | $10.97 | +18.34% | $27.5M | 62 |
| CLAY Chavant Capital Acquisition Corp. | $10.66 | +6.39% | $29.6M | 62 |
| INACU Indigo Acquisition Corp. | $12.08 | +16.94% | $34.9M | 60 |
| HHGC HHG Capital Corporation | $11.12 | +0.09% | $56.2M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are STJO's Key Strengths?
Specialization in technical and finance/accounting personnel.
- Established presence in the Tulsa, Oklahoma area.
- Offers computer training and certifications.
- Gross margin of 73.3% indicates efficient service delivery.
What Are STJO's Weaknesses?
Small market capitalization limits access to capital.
- Limited geographic reach primarily focused on Tulsa, Oklahoma.
- Reliance on a single subsidiary, Staf*Tek Services, Inc.
- OTC listing increases perceived risk.
What Could Drive STJO Stock Higher?
Expansion of service offerings to include specialized training programs could attract new clients.
- Geographic expansion to nearby metropolitan areas could increase market reach.
- Strategic partnerships with technology companies or educational institutions could provide access to new talent pools.
- Investment in digital technologies to streamline recruitment processes could improve efficiency.
- Increased demand for IT and finance professionals due to digital transformation.
What Are the Key Risks for STJO?
Economic downturn could reduce demand for staffing services.
- Competitive pressure from larger staffing firms could erode market share.
- Changes in regulations could impact the staffing industry.
- Limited financial disclosure due to OTC listing increases information asymmetry.
- Low trading volume and wide bid-ask spread can lead to price volatility.
What Are the Growth Opportunities for STJO?
- Expansion of Service Offerings: St. Joseph, Inc. could expand its service offerings to include more specialized training programs or consulting services. The market for professional training and development is estimated to reach $400 billion globally by 2027, presenting a significant growth opportunity. By offering specialized training in high-demand areas such as cybersecurity or data analytics, the company could attract new clients and increase revenue streams. Timeline: 1-2 years.
- Geographic Expansion: Expanding beyond the Tulsa, Oklahoma area could significantly increase St. Joseph, Inc.'s market reach. Targeting nearby metropolitan areas with similar economic profiles could provide a relatively low-risk expansion strategy. The staffing industry is highly localized, so establishing a presence in new regions requires building local relationships and understanding regional market dynamics. Timeline: 2-3 years.
- Strategic Partnerships: Forming strategic partnerships with technology companies or educational institutions could provide St. Joseph, Inc. with access to new talent pools and clients. Partnering with universities to offer internships or training programs could create a pipeline of qualified candidates. Collaborating with technology companies could provide access to cutting-edge technologies and expertise. Timeline: 1 year.
- Digital Transformation: Investing in digital technologies to streamline recruitment processes and enhance client service could improve efficiency and reduce costs. Implementing an applicant tracking system (ATS) or customer relationship management (CRM) system could automate tasks and improve communication. Timeline: 1-2 years.
- Focus on Permanent Placements: Shifting the focus towards permanent placements could increase revenue and improve profitability. Permanent placements typically generate higher fees than temporary assignments. By building relationships with companies seeking long-term employees, St. Joseph, Inc. could establish a more stable revenue base. This strategy requires a strong understanding of client needs and a robust network of qualified candidates. Timeline: Ongoing.
What Are STJO's Competitive Advantages?
- Established presence in the Tulsa, Oklahoma area.
- Focus on technical and finance/accounting personnel provides specialization.
- Offers computer training and certifications to enhance candidate skills.
What Does STJO Do?
Founded in 1997 and based in McKinney, Texas, St. Joseph, Inc. initially operated as St. Joseph Energy, Inc. before rebranding in November 2003. The company's primary business is conducted through its subsidiary, Staf*Tek Services, Inc., which focuses on the recruitment and placement of professional technical and finance/accounting personnel. Staf*Tek provides both temporary and permanent staffing solutions, primarily serving the Tulsa, Oklahoma area. Their services cater to a wide range of IT skill sets, including programming, networking, systems integration, database design, and help desk support. Additionally, they offer candidates with finance and accounting expertise, ranging from entry-level to senior positions. Staf*Tek distinguishes itself by offering computer training, online assessments, and certifications in approximately 50 skill sets. The company supports various project scopes, from individual technical assignments to large-scale initiatives like Internet/Intranet development, desktop applications, project management, enterprise systems development, SAP implementation, and mainframe projects. St. Joseph, Inc. operates within the financial services sector as a shell company, focusing on staffing solutions.
What Products and Services Does STJO Offer?
- Recruits and places professional technical personnel.
- Recruits and places finance and accounting personnel.
- Provides temporary staffing solutions.
- Provides permanent staffing solutions.
- Offers computer training in approximately 50 skill sets.
- Provides online assessments and certifications.
- Serves clients in the Tulsa, Oklahoma area.
How Does STJO Make Money?
- Generates revenue through fees for temporary staffing placements.
- Generates revenue through fees for permanent staffing placements.
- Generates revenue through fees for computer training and certifications.
What Industry Does STJO Operate In?
St. Joseph, Inc. operates within the competitive staffing industry, a segment of the broader financial services sector. The industry is characterized by numerous players, ranging from large multinational corporations to smaller, regional firms. Market trends include increasing demand for specialized IT and finance professionals, driven by digital transformation and regulatory changes. The company's focus on the Tulsa, Oklahoma area provides a niche market, but also limits its growth potential. Competitors such as ARVY, CAVG, CRFU, FUNR, and FWFW operate in similar staffing and recruitment spaces, creating a competitive landscape that requires St. Joseph, Inc. to differentiate its services and maintain strong client relationships.
Who Are STJO's Key Customers?
- Companies in the Tulsa, Oklahoma area seeking technical personnel.
- Companies in the Tulsa, Oklahoma area seeking finance and accounting personnel.
- Individuals seeking professional training and certifications.
Company Profile
St. Joseph, Inc. operates in the Shell Companies industry within the Financial Services sector. It is headquartered in McKinney, US. The company is led by CEO Gerald R. McIlhargey. STJO has traded publicly since 2005.
Financial Health
St. Joseph, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 3.53 places it in the safe zone, indicating low near-term bankruptcy risk.
Key Financial Metrics
Return on equity for St. Joseph, Inc. stands at 3.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.2%, showing how much profit it generates from its asset base. STJO trades at a trailing price-to-earnings ratio of 5.85, below the Financial Services sector average of ~18x. Its free cash flow yield is 31.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 7.32 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 17.1%, the inverse of the P/E and a quick read on earnings relative to price.
STJO Valuation & Market Position
With a $2.24M market cap, St. Joseph, Inc. sits in the micro-cap segment of the market.
STJO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- St. Joseph seems to be gaining traction as a stable player in its sector, with recent chatter suggesting they're outmaneuvering smaller competitors.
- Insiders seem to be holding steady, which often signals confidence in the company's long-term prospects.
- The community is buzzing about potential new partnerships that could significantly expand their market reach.
- There's a growing perception that St. Joseph is undervalued compared to its peers, making it an attractive buy.
Bear Case
- Some community members are worried about increasing regulatory scrutiny in their industry, which could impact St. Joseph's operations.
- Recent market developments suggest a potential slowdown in their key market segments.
- Despite positive sentiment, there's a lingering concern about their ability to maintain current growth rates.
- A vocal minority within the community believes the company is overhyped and that its fundamentals don't justify the current valuation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
STJO Latest News
No recent news available for STJO.
STJO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for STJO.
Price Targets
Wall Street price target analysis for STJO.
STJO MoonshotScore
What does this score mean?
The MoonshotScore rates STJO 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Classification
Industry Shell CompaniesLeadership: Gerald R. McIlhargey
CEO
Gerald R. McIlhargey serves as the CEO of St. Joseph, Inc., overseeing the company's strategic direction and operations. Information regarding his detailed career history, education, and previous roles is not available. As CEO, he is responsible for managing the company's subsidiary, Staf*Tek Services, Inc., and its recruitment and placement services.
Track Record: Under Gerald R. McIlhargey's leadership, St. Joseph, Inc. has focused on providing staffing solutions in the Tulsa, Oklahoma area. Specific achievements and milestones under his tenure are not available. His leadership is focused on maintaining the company's operations and navigating the competitive staffing industry.
STJO OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that St. Joseph, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosures and may not be subject to the same level of regulatory scrutiny as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Low trading volume and wide bid-ask spread can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC Other tier.
- Lack of regulatory oversight increases investment risk.
- Delisting risk if the company fails to meet minimum requirements.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's growth prospects and potential risks.
- Consult with a financial advisor to assess the suitability of the investment.
- Check for any regulatory actions or legal proceedings against the company.
- Understand the risks associated with investing in OTC stocks.
- Company has been in operation since 1997.
- Company has a subsidiary, Staf*Tek Services, Inc., focused on staffing solutions.
- Company provides services in a specific geographic area (Tulsa, Oklahoma).
Common Questions About STJO (Financial Services)
What does St. Joseph, Inc. do?
St. Joseph, Inc., through its subsidiary Staf*Tek Services, Inc., operates in the financial services sector by providing recruitment and placement services for professional technical and finance/accounting personnel. They offer both temporary and permanent staffing solutions, primarily serving the Tulsa, Oklahoma area.
What do analysts say about STJO stock?
As of March 17, 2026, there is no available analyst coverage or consensus on St. Joseph, Inc. due to its OTC listing and limited market capitalization. Key valuation metrics such as price targets and ratings are not available. Investors should conduct their own independent research and due diligence before considering an investment in STJO.
What are the main risks for STJO?
The main risks for St. Joseph, Inc. include its OTC listing, which carries increased regulatory and financial risks. The company's small market capitalization and limited geographic focus also present challenges. Competitive pressures from larger staffing firms and potential economic downturns could negatively impact demand for its services.
What are the key factors to evaluate for STJO?
Evaluate STJO on fundamentals, analyst consensus, and risk factors. St. Joseph, Inc. presents a focused investment profile within the financial services sector, specifically in the staffing industry. Not financial advice.
How frequently does STJO data refresh on this page?
STJO's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven STJO's recent stock price performance?
St. Joseph, Inc. (STJO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialization in technical and finance/accounting personnel. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider STJO overvalued or undervalued right now?
St. Joseph, Inc. (STJO) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research STJO before investing?
Before investing in St. Joseph, Inc. (STJO), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be limited due to the company's OTC listing.
- AI analysis pending for STJO.