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S&T Bancorp (STBA) Financials

S&T Bancorp logo
$36.44 +0.13 (+0.36%)
Closing price 10/24/2025 04:00 PM Eastern
Extended Trading
$36.46 +0.02 (+0.04%)
As of 10/24/2025 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for S&T Bancorp

Annual Income Statements for S&T Bancorp

This table shows S&T Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 58 67 71 73 105 98 21 110 136 145 131
Consolidated Net Income / (Loss)		 58 67 71 73 105 98 21 110 136 145 131
Net Income / (Loss) Continuing Operations		 58 67 71 73 105 98 21 110 136 145 131
Total Pre-Tax Income 		75 91 97 119 123 117 21 136 169 179 165
Total Revenue		 194 239 258 281 284 299 339 341 374 407 384
Net Interest Income / (Expense)		 148 188 203 226 234 247 279 276 316 349 335
Total Interest Income		 161 204 228 261 290 320 320 289 341 478 516
Loans and Leases Interest Income		 147 188 212 243 270 301 301 270 315 443 476
Investment Securities Interest Income		 13 16 15 17 20 20 20 19 26 35 39
Total Interest Expense		 12 16 25 35 55 74 41 13 25 128 181
Deposits Interest Expense		 10 13 20 25 41 63 36 11 20 93 159
Long-Term Debt Interest Expense		 2.35 3.05 4.82 9.58 15 11 5.09 2.39 5.06 36 22
Total Non-Interest Income		 46 51 55 55 49 53 60 65 58 58 49
Other Service Charges		 46 49 18 18 11 17 21 19 9.51 11 10
Net Realized & Unrealized Capital Gains on Investments		 0.04 -0.03 2.07 3.00 1.87 -0.03 0.14 0.03 0.20 0.00 -7.94
Other Non-Interest Income		 - 2.22 35 34 36 35 39 46 49 47 47
Provision for Credit Losses		 1.72 10 18 14 15 15 131 16 8.37 18 0.13
Total Non-Interest Expense		 117 137 143 148 145 167 187 189 197 210 219
Salaries and Employee Benefits		 60 68 77 81 76 84 90 100 103 111 122
Net Occupancy & Equipment Expense		 22 26 27 28 30 36 41 42 43 45 48
Marketing Expense		 3.32 4.22 3.71 3.66 4.19 4.63 6.00 4.55 5.60 6.49 6.35
Property & Liability Insurance Claims		 2.44 3.42 3.98 4.54 3.24 0.76 5.09 4.22 2.85 4.12 4.20
Other Operating Expenses		 28 31 31 31 32 31 42 38 42 43 38
Income Tax Expense		 18 24 25 46 18 19 -0.00 25 33 34 34
Basic Earnings per Share		 - - $2.06 $2.10 $3.03 $2.84 $0.54 $2.81 $3.47 $3.76 $3.43
Weighted Average Basic Shares Outstanding		 29.68M 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Diluted Earnings per Share		 $1.95 $1.98 $2.05 $2.09 $3.01 $2.82 $0.53 $2.81 $3.46 $3.74 $3.41
Weighted Average Diluted Shares Outstanding		 29.68M 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Weighted Average Basic & Diluted Shares Outstanding		 29.68M 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Cash Dividends to Common per Share		 $0.68 $0.73 $0.77 $0.82 $0.99 $1.09 $1.12 $1.13 $1.20 $1.29 $1.33

Quarterly Income Statements for S&T Bancorp

This table shows S&T Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 37 40 40 34 33 37 34 33 33
Consolidated Net Income / (Loss)		 37 40 40 34 33 37 34 33 33
Net Income / (Loss) Continuing Operations		 37 40 40 34 33 37 34 33 33
Total Pre-Tax Income 		46 50 49 42 41 46 43 41 42
Total Revenue		 99 105 102 102 100 103 97 96 94
Net Interest Income / (Expense)		 84 89 89 88 87 85 84 84 83
Total Interest Income		 90 103 111 117 123 127 129 131 125
Loans and Leases Interest Income		 83 96 103 109 114 117 120 121 114
Investment Securities Interest Income		 6.80 6.99 8.18 8.63 8.70 9.26 9.20 11 11
Total Interest Expense		 6.04 14 22 29 36 42 45 47 42
Deposits Interest Expense		 5.20 11 15 20 25 33 40 42 38
Long-Term Debt Interest Expense		 0.84 3.08 7.21 9.11 11 8.68 5.54 4.50 3.17
Total Non-Interest Income		 15 16 13 14 12 18 13 12 10
Other Service Charges		 2.25 3.87 1.79 2.43 0.43 6.34 4.66 2.14 1.49
Net Realized & Unrealized Capital Gains on Investments		 0.20 - - 0.00 0.00 - -3.15 -2.20 -2.30
Other Non-Interest Income		 12 12 11 12 12 12 12 12 11
Provision for Credit Losses		 2.50 3.18 0.92 11 5.50 0.94 0.42 -0.45 -3.04
Total Non-Interest Expense		 50 51 52 50 53 56 54 55 55
Salaries and Employee Benefits		 27 28 28 25 28 31 30 31 30
Net Occupancy & Equipment Expense		 11 11 11 11 11 12 11 12 13
Marketing Expense		 1.37 1.35 1.85 1.46 1.74 1.44 1.40 1.38 1.62
Property & Liability Insurance Claims		 0.60 0.44 1.01 1.03 1.03 1.05 1.05 1.05 1.04
Other Operating Expenses		 10 11 10 11 11 11 9.52 9.41 9.87
Income Tax Expense		 9.18 9.98 9.56 7.69 7.80 8.98 8.50 8.85 8.30
Basic Earnings per Share		 $0.95 $1.04 $1.02 $0.89 $0.88 $0.97 $0.90 $0.85 $0.87
Weighted Average Basic Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Diluted Earnings per Share		 $0.95 $1.03 $1.02 $0.89 $0.87 $0.96 $0.89 $0.85 $0.87
Weighted Average Diluted Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Weighted Average Basic & Diluted Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Cash Dividends to Common per Share		 $0.30 $0.31 $0.32 $0.32 $0.32 $0.33 $0.33 $0.33 $0.34

Annual Cash Flow Statements for S&T Bancorp

This table details how cash moves in and out of S&T Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 1.22 -10 40 -22 38 42 32 693 -712 24 11
Net Cash From Operating Activities		 78 61 97 114 128 138 52 215 241 172 173
Net Cash From Continuing Operating Activities		 78 61 97 114 128 138 52 215 241 172 173
Net Income / (Loss) Continuing Operations		 58 67 71 73 105 98 21 110 136 145 131
Consolidated Net Income / (Loss)		 58 67 71 73 105 98 21 110 136 145 131
Provision For Loan Losses		 1.06 11 18 13 15 15 131 16 8.37 18 0.13
Depreciation Expense		 4.70 0.36 3.63 2.50 7.30 12 12 11 9.03 7.52 11
Amortization Expense		 3.68 3.60 3.83 4.00 3.18 3.24 4.21 5.48 6.06 4.67 2.84
Non-Cash Adjustments to Reconcile Net Income		 1.59 -8.06 1.58 12 -18 -0.31 -17 22 -1.49 0.34 13
Changes in Operating Assets and Liabilities, net		 9.16 -13 -1.66 9.31 16 10 -100 50 83 -3.45 16
Net Cash From Investing Activities		 -437 -406 -617 -212 -202 -211 -159 13 -399 -444 -118
Net Cash From Continuing Investing Activities		 -437 -406 -617 -212 -202 -211 -159 13 -399 -444 -118
Purchase of Property, Leasehold Improvements and Equipment		 -5.08 -5.13 -3.56 -4.69 -4.17 -5.15 -5.42 -3.61 -3.86 -6.22 -2.99
Purchase of Investment Securities		 -496 -475 -721 -369 -300 -491 -407 -137 -607 -607 -421
Sale of Property, Leasehold Improvements and Equipment		 0.10 0.47 0.06 0.42 0.14 0.07 0.02 0.01 0.16 0.71 0.06
Sale and/or Maturity of Investments		 64 74 83 156 98 221 253 154 212 168 306
Net Cash From Financing Activities		 360 335 560 76 112 114 139 464 -554 296 -44
Net Cash From Continuing Financing Activities		 360 335 560 76 112 114 139 464 -554 296 -44
Net Change in Deposits		 236 247 396 193 246 396 385 576 -776 302 261
Issuance of Debt		 150 100 304 35 25 10 -206 -56 286 70 -215
Repayment of Debt		 -2.37 -19 -102 -122 -72 -236 -27 -11 -7.69 -5.46 -38
Repurchase of Common Equity		 -0.16 -0.18 -0.12 0.00 -21 -19 -13 0.00 -7.64 -20 0.00
Payment of Dividends		 -20 -24 -27 -29 -35 -37 -44 -44 -47 -50 -51
Other Financing Activities, Net		 -3.50 31 -11 -1.36 -32 1.33 45 -0.63 -0.81 -0.80 -0.87
Cash Interest Paid		 13 16 23 34 53 75 44 15 22 111 176
Cash Income Taxes Paid		 18 23 27 34 16 15 6.23 24 31 37 30

Quarterly Cash Flow Statements for S&T Bancorp

This table details how cash moves in and out of S&T Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -415 280 -10 -55 -47 136 -73 135 -62
Net Cash From Operating Activities		 52 35 44 39 58 31 46 55 29
Net Cash From Continuing Operating Activities		 - 241 0.00 - - 172 0.00 173 0.00
Net Income / (Loss) Continuing Operations		 - 136 0.00 - - 145 0.00 131 0.00
Net Cash From Investing Activities		 -33 -92 -56 -70 -211 -107 -8.34 -65 -103
Net Cash From Continuing Investing Activities		 -33 -92 -56 -70 -211 -107 -8.34 -65 -103
Purchase of Property, Leasehold Improvements and Equipment		 -1.32 -0.99 -1.44 -1.25 -2.23 -1.30 -0.64 -0.86 -1.73
Purchase of Investment Securities		 -101 -151 -84 -110 -244 -168 -44 -154 -180
Sale and/or Maturity of Investments		 68 60 30 40 35 63 37 89 79
Net Cash From Financing Activities		 -228 132 46 15 164 71 -64 27 42
Net Cash From Continuing Financing Activities		 -228 132 46 15 164 71 -64 27 42
Net Change in Deposits		 -202 -191 -67 -12 82 299 79 128 110
Repayment of Debt		 -7.14 -0.11 -0.11 -0.12 -5.12 -0.12 -0.12 -38 -55
Repurchase of Common Equity		 -3.98 0.50 -0.02 -20 -0.04 0.52 -0.04 0.85 -0.04
Payment of Dividends		 -12 -12 -12 -12 -12 -13 -13 -13 -13
Cash Interest Paid		 5.12 12 18 23 34 36 41 51 44
Cash Income Taxes Paid		 7.50 11 -0.01 24 4.10 9.16 0.14 9.59 0.09

Annual Balance Sheets for S&T Bancorp

This table presents S&T Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 4,965 6,318 6,943 7,060 7,252 8,765 8,968 9,489 9,111 9,552 9,658
Cash and Due from Banks		 110 99 139 117 155 198 230 922 210 234 245
Trading Account Securities		 643 696 697 703 687 790 792 912 1,003 971 988
Loans and Leases, Net of Allowance		 3,821 4,979 5,559 5,705 5,886 7,075 7,108 6,901 7,083 7,545 7,641
Loans and Leases		 3,869 5,028 5,611 5,761 5,947 7,137 7,226 7,000 7,184 7,653 7,743
Allowance for Loan and Lease Losses		 48 48 53 56 61 62 118 99 101 108 101
Premises and Equipment, Net		 38 49 45 43 42 57 56 53 49 49 45
Goodwill		 176 292 292 292 287 372 373 373 373 373 373
Intangible Assets		 2.63 6.53 4.91 3.68 2.60 11 8.68 6.90 5.38 4.06 3.06
Other Assets		 174 196 206 197 192 263 400 320 387 376 363
Total Liabilities & Shareholders' Equity		 4,965 6,318 6,943 7,060 7,252 8,765 8,968 9,489 9,111 9,552 9,658
Total Liabilities		 4,356 5,526 6,101 6,176 6,316 7,573 7,813 8,282 7,926 8,268 8,278
Non-Interest Bearing Deposits		 1,084 1,228 1,264 1,388 1,421 1,698 2,262 - 2,589 2,222 2,185
Interest Bearing Deposits		 2,825 3,649 4,009 4,040 4,253 5,338 5,159 - 4,631 5,300 5,598
Short-Term Debt		 321 418 711 590 488 301 140 - 370 415 150
Long-Term Debt		 65 163 60 93 116 115 88 - 69 89 100
Other Long-Term Liabilities		 62 69 58 65 38 120 165 8,282 267 243 244
Total Equity & Noncontrolling Interests		 608 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380
Total Preferred & Common Equity		 608 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380
Total Common Equity		 608 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380
Common Stock		 157 301 303 306 301 504 504 507 510 513 515
Retained Earnings		 504 544 586 628 702 761 710 774 864 960 1,039
Treasury Stock		 -39 -36 -34 -32 -44 -61 -69 -67 -77 -98 -97
Accumulated Other Comprehensive Income / (Loss)		 -14 -16 -14 -18 -23 -12 8.97 -7.09 -112 -91 -77

Quarterly Balance Sheets for S&T Bancorp

This table presents S&T Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 6/30/2024 9/30/2024 3/31/2025
Total Assets		 8,936 9,193 9,253 9,466 9,635 9,584 9,718
Cash and Due from Banks		 135 244 228 238 246 228 212
Trading Account Securities		 998 999 971 956 978 1,012 1,011
Loans and Leases, Net of Allowance		 6,997 7,143 7,214 7,408 7,607 7,585 7,737
Loans and Leases		 7,097 7,251 7,320 7,516 7,714 7,689 7,836
Allowance for Loan and Lease Losses		 100 108 106 108 106 104 99
Premises and Equipment, Net		 50 49 49 50 47 46 45
Goodwill		 373 373 373 373 373 373 373
Intangible Assets		 5.74 5.04 4.71 4.38 - 3.17 2.81
Other Assets		 376 380 413 437 383 337 336
Total Liabilities & Shareholders' Equity		 8,936 9,193 9,253 9,466 9,635 9,584 9,718
Total Liabilities		 7,783 7,966 8,040 8,243 8,314 8,208 8,300
Non-Interest Bearing Deposits		 2,663 - - 2,276 2,207 2,158 2,164
Interest Bearing Deposits		 4,747 - - 4,947 5,474 5,497 5,728
Short-Term Debt		 35 - - 630 275 225 95
Long-Term Debt		 69 - - 89 88 113 100
Other Long-Term Liabilities		 268 7,966 - 301 270 215 212
Total Equity & Noncontrolling Interests		 1,153 1,228 1,213 1,224 1,321 1,376 1,418
Total Preferred & Common Equity		 1,153 1,228 1,213 1,224 1,321 1,376 1,418
Total Common Equity		 1,153 1,228 1,213 1,224 1,321 1,376 1,418
Common Stock		 509 511 511 512 513 514 516
Retained Earnings		 836 891 914 935 999 1,019 1,059
Treasury Stock		 -77 -77 -98 -98 -97 -97 -97
Accumulated Other Comprehensive Income / (Loss)		 -115 -97 -114 -126 -94 -61 -61

Annual Metrics And Ratios for S&T Bancorp

This table displays calculated financial ratios and metrics derived from S&T Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.92% 22.74% 8.09% 9.04% 0.86% 5.55% 13.29% 0.49% 9.75% 8.82% -5.69%
EBITDA Growth		 12.99% 13.87% 9.14% 20.88% 6.16% -1.00% -71.80% 309.09% 20.57% 3.79% -6.53%
EBIT Growth		 16.01% 21.28% 5.70% 23.48% 3.16% -4.72% -82.07% 544.84% 24.52% 5.85% -7.82%
NOPAT Growth		 14.58% 15.84% 6.43% 2.21% 44.36% -6.74% -78.58% 424.44% 22.82% 6.83% -9.34%
Net Income Growth		 14.58% 15.84% 6.43% 2.21% 44.36% -6.74% -78.58% 424.44% 22.82% 6.83% -9.34%
EPS Growth		 14.71% 1.54% 3.54% 1.95% 44.02% -6.31% -81.21% 430.19% 23.13% 8.09% -8.82%
Operating Cash Flow Growth		 -9.26% -22.43% 59.79% 18.01% 12.06% 8.13% -62.76% 316.77% 11.95% -28.59% 0.94%
Free Cash Flow Firm Growth		 -427.92% -152.38% 45.89% 170.51% 11.26% -77.37% 723.58% 16.12% -198.38% 93.46% 1,659.89%
Invested Capital Growth		 22.33% 38.12% 17.49% -2.85% -1.73% 4.43% -14.03% -12.74% 34.60% 10.05% -8.76%
Revenue Q/Q Growth		 -32.59% 5.61% 1.34% 1.85% 0.16% 3.00% 1.78% -0.27% 5.67% -0.37% 0.00%
EBITDA Q/Q Growth		 -30.29% 5.51% 0.42% 6.28% 2.45% -0.86% 101.45% 10.34% 26.12% 4.35% 0.00%
EBIT Q/Q Growth		 -32.55% 6.74% -0.07% 6.59% 0.21% -3.65% 13.60% -1.92% 15.78% -2.31% 0.00%
NOPAT Q/Q Growth		 -44.28% 4.56% 0.33% -10.28% 20.01% -4.46% 9.97% -1.52% 15.11% -2.18% 0.00%
Net Income Q/Q Growth		 4.77% 4.56% 0.33% -10.28% 20.01% -4.46% 9.97% -1.52% 15.11% -2.18% 0.00%
EPS Q/Q Growth		 4.84% 0.51% 0.00% -10.30% 19.92% -5.37% 0.00% -1.06% 14.95% -1.84% 0.00%
Operating Cash Flow Q/Q Growth		 1.94% -25.47% 35.70% 5.93% 10.37% 2.06% 20.94% -5.06% -3.15% -2.51% 16.00%
Free Cash Flow Firm Q/Q Growth		 -415.12% -24.64% -5.19% 241.44% -21.10% -85.91% -31.11% 367.96% -227.35% 96.56% 0.00%
Invested Capital Q/Q Growth		 3.59% 7.77% 7.14% -6.22% -3.20% 8.59% 21.06% -11.36% 29.14% -7.99% 0.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 43.12% 40.00% 40.39% 44.78% 47.13% 44.20% 11.00% 44.78% 49.20% 46.92% 46.50%
EBIT Margin		 38.80% 38.34% 37.49% 42.46% 43.43% 39.21% 6.20% 39.81% 45.16% 43.93% 42.93%
Profit (Net Income) Margin		 29.79% 28.12% 27.68% 25.95% 37.14% 32.82% 6.20% 32.38% 36.23% 35.57% 34.19%
Tax Burden Percent		 76.78% 73.33% 73.83% 61.11% 85.51% 83.70% 100.00% 81.33% 80.22% 80.97% 79.64%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.22% 26.67% 26.17% 38.89% 14.49% 16.30% 0.00% 18.67% 19.78% 19.03% 20.36%
Return on Invested Capital (ROIC)		 6.41% 5.67% 4.78% 4.59% 6.78% 6.24% 1.41% 8.52% 9.58% 8.49% 7.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.41% 5.67% 4.78% 4.59% 6.78% 6.24% 1.41% 8.52% 9.58% 8.49% 7.68%
Return on Net Nonoperating Assets (RNNOA)		 3.41% 3.91% 3.96% 3.87% 4.80% 2.99% 0.39% 0.82% 1.76% 3.24% 2.17%
Return on Equity (ROE)		 9.82% 9.58% 8.74% 8.46% 11.58% 9.23% 1.79% 9.35% 11.34% 11.73% 9.86%
Cash Return on Invested Capital (CROIC)		 -13.68% -26.35% -11.30% 7.48% 8.52% 1.90% 16.50% 22.13% -19.92% -1.08% 16.84%
Operating Return on Assets (OROA)		 1.59% 1.62% 1.46% 1.71% 1.72% 1.47% 0.24% 1.47% 1.82% 1.92% 1.72%
Return on Assets (ROA)		 1.22% 1.19% 1.08% 1.04% 1.47% 1.23% 0.24% 1.20% 1.46% 1.55% 1.37%
Return on Common Equity (ROCE)		 9.82% 9.58% 8.74% 8.46% 11.58% 9.23% 1.79% 9.35% 11.34% 11.73% 9.86%
Return on Equity Simple (ROE_SIMPLE)		 9.52% 8.47% 8.48% 8.25% 11.26% 8.24% 1.82% 9.15% 11.44% 11.28% 9.51%
Net Operating Profit after Tax (NOPAT)		 58 67 71 73 105 98 21 110 136 145 131
NOPAT Margin		 29.79% 28.12% 27.68% 25.95% 37.14% 32.82% 6.20% 32.38% 36.23% 35.57% 34.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.26% 41.40% 41.96% 39.89% 38.82% 41.47% 40.45% 43.04% 40.68% 40.07% 45.98%
Operating Expenses to Revenue		 60.31% 57.30% 55.54% 52.60% 51.28% 55.83% 55.04% 55.43% 52.60% 51.68% 57.03%
Earnings before Interest and Taxes (EBIT)		 75 91 97 119 123 117 21 136 169 179 165
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 84 95 104 126 134 132 37 153 184 191 179
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.01 1.24 1.23 1.13 0.95 0.73 0.92 1.03 0.95 1.05
Price to Tangible Book Value (P/TBV)		 1.50 1.62 1.91 1.85 1.64 1.40 1.09 1.34 1.51 1.35 1.44
Price to Revenue (P/Rev)		 3.32 3.35 4.05 3.88 3.74 3.80 2.49 3.26 3.26 3.00 3.78
Price to Earnings (P/E)		 11.13 11.90 14.62 14.93 10.08 11.57 40.07 10.07 9.00 8.43 11.04
Dividend Yield		 3.14% 3.18% 2.58% 2.63% 3.27% 3.28% 5.22% 4.00% 3.84% 4.04% 3.51%
Earnings Yield		 8.98% 8.40% 6.84% 6.70% 9.92% 8.64% 2.50% 9.93% 11.11% 11.86% 9.05%
Enterprise Value to Invested Capital (EV/IC)		 0.93 0.93 1.04 1.06 0.98 0.84 0.61 0.16 0.89 0.83 0.89
Enterprise Value to Revenue (EV/Rev)		 4.74 5.36 6.50 5.89 5.32 4.53 2.48 0.55 3.87 3.66 3.79
Enterprise Value to EBITDA (EV/EBITDA)		 10.99 13.41 16.09 13.15 11.30 10.24 22.55 1.24 7.88 7.81 8.15
Enterprise Value to EBIT (EV/EBIT)		 12.21 13.99 17.33 13.87 12.26 11.55 39.99 1.39 8.58 8.34 8.83
Enterprise Value to NOPAT (EV/NOPAT)		 15.90 19.08 23.47 22.69 14.34 13.80 39.99 1.71 10.69 10.30 11.09
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.79 21.12 17.31 14.49 11.80 9.79 16.32 0.88 6.03 8.68 8.39
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 13.92 11.41 45.23 3.41 0.66 0.00 0.00 5.06
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.63 0.73 0.92 0.77 0.65 0.35 0.20 0.00 0.37 0.39 0.18
Long-Term Debt to Equity		 0.11 0.21 0.07 0.11 0.12 0.10 0.08 0.00 0.06 0.07 0.07
Financial Leverage		 0.53 0.69 0.83 0.84 0.71 0.48 0.27 0.10 0.18 0.38 0.28
Leverage Ratio		 8.05 8.06 8.12 8.11 7.86 7.53 7.56 7.82 7.78 7.56 7.21
Compound Leverage Factor		 8.05 8.06 8.12 8.11 7.86 7.53 7.56 7.82 7.78 7.56 7.21
Debt to Total Capital		 38.80% 42.30% 47.81% 43.59% 39.24% 25.89% 16.48% 0.00% 27.05% 28.18% 15.35%
Short-Term Debt to Total Capital		 32.25% 30.45% 44.07% 37.66% 31.71% 18.73% 10.14% 0.00% 22.79% 23.22% 9.20%
Long-Term Debt to Total Capital		 6.55% 11.85% 3.74% 5.93% 7.53% 7.16% 6.35% 0.00% 4.26% 4.96% 6.15%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 61.20% 57.70% 52.19% 56.41% 60.76% 74.11% 83.52% 100.00% 72.95% 71.82% 84.65%
Debt to EBITDA		 4.60 6.09 7.40 5.43 4.52 3.15 6.11 0.00 2.39 2.64 1.40
Net Debt to EBITDA		 3.29 5.04 6.06 4.49 3.36 1.65 -0.05 0.00 1.25 1.41 0.03
Long-Term Debt to EBITDA		 0.78 1.70 0.58 0.74 0.87 0.87 2.35 0.00 0.38 0.46 0.56
Debt to NOPAT		 6.66 8.66 10.80 9.36 5.74 4.24 10.83 0.00 3.24 3.48 1.91
Net Debt to NOPAT		 4.77 7.18 8.85 7.76 4.26 2.22 -0.08 0.00 1.69 1.87 0.04
Long-Term Debt to NOPAT		 1.12 2.42 0.85 1.27 1.10 1.17 4.17 0.00 0.51 0.61 0.76
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -124 -312 -169 119 132 30 247 287 -282 -18 288
Operating Cash Flow to CapEx		 1,567.39% 1,298.41% 2,763.49% 2,674.06% 3,171.09% 2,723.79% 955.91% 5,973.09% 6,497.16% 3,117.61% 5,904.87%
Free Cash Flow to Firm to Interest Expense		 -9.90 -19.49 -6.88 3.41 2.39 0.41 6.01 21.79 -11.29 -0.14 1.59
Operating Cash Flow to Interest Expense		 6.26 3.79 3.95 3.27 2.31 1.88 1.26 16.34 9.63 1.34 0.96
Operating Cash Flow Less CapEx to Interest Expense		 5.86 3.50 3.81 3.15 2.24 1.81 1.12 16.07 9.49 1.29 0.94
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.20 5.47 5.48 6.41 6.72 6.07 6.03 6.30 7.34 8.28 8.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 994 1,373 1,613 1,567 1,540 1,608 1,383 1,206 1,624 1,787 1,631
Invested Capital Turnover		 0.22 0.20 0.17 0.18 0.18 0.19 0.23 0.26 0.26 0.24 0.22
Increase / (Decrease) in Invested Capital		 181 379 240 -46 -27 68 -226 -176 417 163 -156
Enterprise Value (EV)		 921 1,280 1,675 1,656 1,510 1,355 841 189 1,449 1,491 1,455
Market Capitalization		 645 798 1,044 1,090 1,061 1,137 843 1,111 1,220 1,221 1,450
Book Value per Share		 $20.42 $22.76 $24.12 $25.27 $26.73 $34.81 $29.37 $30.66 $30.37 $33.57 $36.08
Tangible Book Value per Share		 $14.43 $14.19 $15.62 $16.83 $18.45 $23.64 $19.65 $20.99 $20.66 $23.69 $26.24
Total Capital		 994 1,373 1,613 1,567 1,540 1,608 1,383 1,206 1,624 1,787 1,631
Total Debt		 386 581 771 683 604 416 228 0.00 439 504 250
Total Long-Term Debt		 65 163 60 93 116 115 88 0.00 69 89 100
Net Debt		 276 481 632 566 449 219 -1.74 -922 229 270 5.49
Capital Expenditures (CapEx)		 4.98 4.67 3.50 4.27 4.04 5.08 5.39 3.60 3.70 5.51 2.94
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 386 581 771 683 604 416 228 0.00 439 504 250
Total Depreciation and Amortization (D&A)		 8.38 3.96 7.46 6.50 10 15 16 17 15 12 14
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.03 $2.84 $0.54 $2.81 $3.47 $3.76 $3.43
Adjusted Weighted Average Basic Shares Outstanding		 29.80M 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Adjusted Diluted Earnings per Share		 $1.95 $1.98 $2.05 $2.09 $3.01 $2.82 $0.53 $2.81 $3.46 $3.74 $3.41
Adjusted Weighted Average Diluted Shares Outstanding		 29.80M 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 29.80M 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M
Normalized Net Operating Profit after Tax (NOPAT)		 58 69 71 73 105 108 16 110 136 145 131
Normalized NOPAT Margin		 30.06% 29.09% 27.68% 25.95% 37.14% 35.99% 4.83% 32.38% 36.23% 35.57% 34.19%
Pre Tax Income Margin		 38.80% 38.34% 37.49% 42.46% 43.43% 39.21% 6.20% 39.81% 45.16% 43.93% 42.93%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.04 5.72 3.94 3.42 2.22 1.59 0.51 10.32 6.77 1.39 0.91
NOPAT to Interest Expense		 4.64 4.19 2.91 2.09 1.90 1.33 0.51 8.39 5.43 1.13 0.73
EBIT Less CapEx to Interest Expense		 5.64 5.43 3.80 3.30 2.15 1.52 0.38 10.04 6.62 1.35 0.89
NOPAT Less CapEx to Interest Expense		 4.24 3.90 2.77 1.97 1.83 1.26 0.38 8.12 5.28 1.08 0.71
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 34.89% 36.50% 37.52% 39.15% 32.79% 38.03% 208.88% 40.17% 34.65% 34.33% 38.83%
Augmented Payout Ratio		 35.17% 36.77% 37.68% 39.15% 52.31% 57.51% 271.40% 40.17% 40.28% 48.01% 38.83%

Quarterly Metrics And Ratios for S&T Bancorp

This table displays calculated financial ratios and metrics derived from S&T Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 3/31/2025
Growth Metrics		 - - - - - - - - -
Revenue Growth		 16.56% 23.72% 22.93% 16.50% 1.02% -1.46% -4.98% -3.23% -2.65%
EBITDA Growth		 36.84% 84.58% 36.89% 16.45% -11.11% -8.41% -13.15% 0.42% 6.49%
EBIT Growth		 36.84% 84.58% 36.89% 16.45% -11.11% -8.41% -13.15% 0.42% 6.49%
NOPAT Growth		 34.97% 79.17% 36.56% 19.44% -10.15% -8.00% -13.64% -2.62% 6.92%
Net Income Growth		 34.97% 79.17% 36.56% 19.44% -10.15% -8.00% -13.64% -2.62% 6.92%
EPS Growth		 35.71% 77.59% 37.84% 20.27% -8.42% -6.80% -12.75% -2.30% 7.41%
Operating Cash Flow Growth		 18.85% -18.15% -48.89% -41.84% 11.34% -12.51% 4.80% 0.00% -38.13%
Free Cash Flow Firm Growth		 173.61% -289.84% 598.12% 664.88% -562.38% 66.54% -394.27% 140.02% 124.64%
Invested Capital Growth		 -7.61% 34.60% -7.80% -6.27% 54.46% 10.05% 37.23% -11.74% -4.25%
Revenue Q/Q Growth		 12.22% 6.23% -2.60% 0.33% -2.69% 3.62% -6.07% 0.00% 0.00%
EBITDA Q/Q Growth		 28.27% 8.23% -1.77% -14.60% -2.10% 11.52% -6.86% 0.00% 0.00%
EBIT Q/Q Growth		 28.27% 8.23% -1.77% -14.60% -2.10% 11.52% -6.86% 0.00% 0.00%
NOPAT Q/Q Growth		 29.08% 8.11% -1.17% -13.40% -2.90% 10.69% -7.22% 0.00% 0.00%
Net Income Q/Q Growth		 29.08% 8.11% -1.17% -13.40% -2.90% 10.69% -7.22% 0.00% 0.00%
EPS Q/Q Growth		 28.38% 8.42% -0.97% -12.75% -2.25% 10.34% -7.29% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 -22.14% -32.05% 25.41% -12.34% 49.06% -46.61% 16.88% 0.00% -47.63%
Free Cash Flow Firm Q/Q Growth		 831.71% -367.72% 138.09% -19.49% -663.23% 80.63% -235.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 -2.83% 29.14% -24.39% -1.22% 60.14% -7.99% -5.72% 0.00% 0.00%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 47.11% 47.99% 48.40% 41.20% 41.45% 44.61% 44.24% 43.01% 44.48%
EBIT Margin		 47.11% 47.99% 48.40% 41.20% 41.45% 44.61% 44.24% 43.01% 44.48%
Profit (Net Income) Margin		 37.79% 38.46% 39.03% 33.69% 33.61% 35.91% 35.47% 33.82% 35.63%
Tax Burden Percent		 80.23% 80.14% 80.63% 81.77% 81.10% 80.50% 80.18% 78.64% 80.10%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.77% 19.86% 19.37% 18.23% 18.90% 19.51% 19.82% 21.36% 19.90%
Return on Invested Capital (ROIC)		 10.22% 10.17% 11.99% 10.95% 8.58% 8.57% 9.79% 0.00% 8.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.22% 10.17% 11.99% 10.95% 8.58% 8.57% 9.79% 0.00% 8.24%
Return on Net Nonoperating Assets (RNNOA)		 1.14% 1.87% 0.73% 0.53% 2.97% 3.27% 1.40% 0.00% 1.68%
Return on Equity (ROE)		 11.36% 12.03% 12.72% 11.48% 11.56% 11.84% 11.19% 0.00% 9.92%
Cash Return on Invested Capital (CROIC)		 16.91% -19.92% 19.54% 18.59% -33.55% -1.08% -21.82% 0.00% 12.43%
Operating Return on Assets (OROA)		 1.82% 1.93% 2.04% 1.83% 1.84% 1.95% 1.89% 0.00% 1.75%
Return on Assets (ROA)		 1.46% 1.55% 1.65% 1.50% 1.49% 1.57% 1.51% 0.00% 1.40%
Return on Common Equity (ROCE)		 11.36% 12.03% 12.72% 11.48% 11.56% 11.84% 11.19% 0.00% 9.92%
Return on Equity Simple (ROE_SIMPLE)		 10.21% 0.00% 11.91% 12.51% 12.10% 0.00% 10.55% 0.00% 9.41%
Net Operating Profit after Tax (NOPAT)		 37 40 40 34 33 37 34 33 33
NOPAT Margin		 37.79% 38.46% 39.03% 33.69% 33.61% 35.91% 35.47% 33.82% 35.63%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 39.26% 38.48% 39.62% 37.07% 40.71% 42.88% 44.42% 46.60% 47.13%
Operating Expenses to Revenue		 50.36% 48.97% 50.69% 48.51% 53.03% 54.48% 55.32% 57.46% 58.76%
Earnings before Interest and Taxes (EBIT)		 46 50 49 42 41 46 43 41 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 46 50 49 42 41 46 43 41 42
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.92 1.03 0.94 0.83 0.81 0.95 0.96 1.17 1.00
Price to Tangible Book Value (P/TBV)		 1.37 1.51 1.35 1.21 1.18 1.35 1.34 1.61 1.36
Price to Revenue (P/Rev)		 2.99 3.26 2.93 2.47 2.43 3.00 3.15 0.00 3.72
Price to Earnings (P/E)		 8.99 9.00 7.87 6.63 6.71 8.43 9.09 0.00 10.62
Dividend Yield		 4.36% 3.84% 4.17% 4.84% 4.89% 4.04% 3.96% 3.15% 3.62%
Earnings Yield		 11.12% 11.11% 12.70% 15.08% 14.89% 11.86% 11.01% 0.00% 9.41%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.89 0.74 0.64 0.76 0.83 0.82 1.00 0.87
Enterprise Value to Revenue (EV/Rev)		 2.90 3.87 2.31 1.91 3.61 3.66 3.44 0.00 3.67
Enterprise Value to EBITDA (EV/EBITDA)		 7.05 7.88 4.98 4.14 8.05 7.81 8.03 0.00 8.37
Enterprise Value to EBIT (EV/EBIT)		 7.05 8.58 4.98 4.14 8.05 8.34 8.03 0.00 8.37
Enterprise Value to NOPAT (EV/NOPAT)		 8.73 10.69 6.20 5.13 9.96 10.30 9.93 0.00 10.50
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.14 6.03 4.57 4.57 8.37 8.68 7.96 11.48 9.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.64 0.00 3.63 3.34 0.00 0.00 0.00 0.00 6.84
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.09 0.37 0.00 0.00 0.59 0.39 0.28 0.25 0.14
Long-Term Debt to Equity		 0.06 0.06 0.00 0.00 0.07 0.07 0.07 0.08 0.07
Financial Leverage		 0.11 0.18 0.06 0.05 0.35 0.38 0.14 0.41 0.20
Leverage Ratio		 7.80 7.78 7.72 7.68 7.74 7.56 7.39 7.33 7.06
Compound Leverage Factor		 7.80 7.78 7.72 7.68 7.74 7.56 7.39 7.33 7.06
Debt to Total Capital		 8.29% 27.05% 0.00% 0.00% 37.01% 28.18% 21.57% 19.74% 12.11%
Short-Term Debt to Total Capital		 2.78% 22.79% 0.00% 0.00% 32.44% 23.22% 16.32% 13.13% 5.89%
Long-Term Debt to Total Capital		 5.51% 4.26% 0.00% 0.00% 4.57% 4.96% 5.25% 6.62% 6.22%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.71% 72.95% 100.00% 100.00% 62.99% 71.82% 78.43% 80.26% 87.89%
Debt to EBITDA		 0.71 2.39 0.00 0.00 3.93 2.64 2.11 0.00 1.17
Net Debt to EBITDA		 -0.21 1.25 0.00 0.00 2.62 1.41 0.68 0.00 -0.10
Long-Term Debt to EBITDA		 0.47 0.38 0.00 0.00 0.48 0.46 0.51 0.00 0.60
Debt to NOPAT		 0.89 3.24 0.00 0.00 4.86 3.48 2.61 0.00 1.46
Net Debt to NOPAT		 -0.26 1.69 0.00 0.00 3.25 1.87 0.84 0.00 -0.12
Long-Term Debt to NOPAT		 0.59 0.51 0.00 0.00 0.60 0.61 0.63 0.00 0.75
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 141 -377 144 116 -651 -126 -423 261 105
Operating Cash Flow to CapEx		 4,324.31% 3,279.65% 3,202.24% 6,465.50% 2,580.37% 2,400.86% 8,701.31% 0.00% 1,662.34%
Free Cash Flow to Firm to Interest Expense		 23.33 -26.65 6.50 3.96 -18.31 -3.03 -9.36 5.55 2.53
Operating Cash Flow to Interest Expense		 8.60 2.49 2.00 1.33 1.63 0.74 1.03 0.00 0.69
Operating Cash Flow Less CapEx to Interest Expense		 8.40 2.42 1.94 1.31 1.56 0.71 1.01 0.00 0.65
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.00 0.04
Fixed Asset Turnover		 6.90 7.34 7.80 8.17 8.23 8.28 8.37 0.00 8.26
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 1,257 1,624 1,228 1,213 1,942 1,787 1,685 1,714 1,613
Invested Capital Turnover		 0.27 0.26 0.31 0.33 0.26 0.24 0.28 0.00 0.23
Increase / (Decrease) in Invested Capital		 -104 417 -104 -81 685 163 457 -228 -72
Enterprise Value (EV)		 1,028 1,449 907 779 1,474 1,491 1,383 1,716 1,401
Market Capitalization		 1,059 1,220 1,151 1,006 994 1,221 1,266 1,606 1,418
Book Value per Share		 $29.46 $30.37 $31.48 $31.13 $31.99 $33.57 $34.56 $35.96 $37.06
Tangible Book Value per Share		 $19.77 $20.66 $21.78 $21.42 $22.12 $23.69 $24.79 $26.12 $27.23
Total Capital		 1,257 1,624 1,228 1,213 1,942 1,787 1,685 1,714 1,613
Total Debt		 104 439 0.00 0.00 719 504 363 338 195
Total Long-Term Debt		 69 69 0.00 0.00 89 89 88 113 100
Net Debt		 -31 229 -244 -228 480 270 117 110 -17
Capital Expenditures (CapEx)		 1.20 1.08 1.38 0.60 2.24 1.29 0.53 0.00 1.73
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 104 439 0.00 0.00 719 504 363 338 195
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.95 $1.04 $1.02 $0.89 $0.88 $0.97 $0.90 $0.85 $0.87
Adjusted Weighted Average Basic Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Adjusted Diluted Earnings per Share		 $0.95 $1.03 $1.02 $0.89 $0.87 $0.96 $0.89 $0.85 $0.87
Adjusted Weighted Average Diluted Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 39.00M 39.00M 38.97M 38.24M 38.23M 38.23M 38.26M 38.26M 38.33M
Normalized Net Operating Profit after Tax (NOPAT)		 37 40 40 34 33 37 34 33 33
Normalized NOPAT Margin		 37.79% 38.46% 39.03% 33.69% 33.61% 35.91% 35.47% 33.82% 35.63%
Pre Tax Income Margin		 47.11% 47.99% 48.40% 41.20% 41.45% 44.61% 44.24% 43.01% 44.48%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 7.69 3.55 2.23 1.44 1.16 1.11 0.95 0.88 1.00
NOPAT to Interest Expense		 6.17 2.85 1.80 1.18 0.94 0.89 0.76 0.69 0.80
EBIT Less CapEx to Interest Expense		 7.49 3.48 2.17 1.42 1.10 1.08 0.94 0.00 0.96
NOPAT Less CapEx to Interest Expense		 5.97 2.77 1.74 1.16 0.88 0.86 0.75 0.00 0.76
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 39.28% 34.65% 32.81% 32.01% 33.23% 34.33% 35.84% 0.00% 38.50%
Augmented Payout Ratio		 45.93% 40.28% 38.01% 47.67% 46.63% 48.01% 50.07% 0.00% 38.51%

Financials Breakdown Chart

Key Financial Trends

Over the last several years, S&T Bancorp (NASDAQ: STBA) has demonstrated steady growth in key financial metrics, reflecting a generally solid performance in its banking operations.

Positive trends:

  • Net Interest Income remained relatively stable and robust, for example, $83.3 million in Q1 2025, slightly down from $84.5 million in Q3 2024 but consistent over the years, indicating strong core earnings from loans and investments.
  • Loans and Leases increased steadily from around $7.1 billion in early 2023 to $7.8 billion in Q1 2025, suggesting growth in lending activities, a primary revenue driver for banks.
  • Total Revenue shows resilience, with Q1 2025 revenue of approximately $93.7 million, close to the $96.3 million reported in Q3 2024, indicating stable income generation despite fluctuations in non-interest income.
  • Net Income attributable to common shareholders has generally trended upwards, reaching $33.4 million in Q1 2025 compared to approximately $32.6 million in Q3 2024, reflecting effective cost management and revenue stability.
  • The bank maintained a consistent dividend per share, with Q1 2025 paying $0.34 per share, up slightly from $0.33 in prior quarters, showcasing commitment to returning value to shareholders.
  • The allowance for loan and lease losses remains stable relative to the loan portfolio size, indicating management's prudent credit risk approach.
  • Total assets grew modestly, from roughly $8.9 billion in Q3 2022 to about $9.7 billion in Q1 2025, showing asset base expansion, which supports revenue growth potential.
  • Common equity has increased over time, from approximately $1.15 billion in Q3 2022 to $1.42 billion in Q1 2025, strengthening the bank's capital position.
  • Net cash from operating activities was positive in recent quarters (e.g., $28.7 million in Q1 2025), supporting operational liquidity despite some fluctuations.
  • Deposits have grown, with interest-bearing deposits increasing from around $4.9 billion in Q3 2022 to $5.7 billion in Q1 2025, indicating stable funding sources.

Neutral factors:

  • Non-interest income fluctuates quarter to quarter; for example, it declined in Q1 2025 to $10.4 million from over $18 million in Q4 2023, driven mainly by realized and unrealized capital losses. This volatility is common in investment-related income.
  • Net cash from investing activities has been consistently negative due to investment purchases exceeding sales, reflecting asset allocation strategies that may position for future returns.
  • Cash and due from banks have shown variability, aligning with operational cash flow needs and funding management strategies.
  • Short-term debt levels fluctuate, reflecting dynamic management of liquidity and funding costs.
  • The bank repurchases common equity and pays regular dividends, which steadily impact cash flow but also support shareholder value.

Negative considerations:

  • Provision for credit losses has increased somewhat in recent years, reaching negative amounts (credits) in Q1 2025 (-$3 million), which may mask underlying credit risk changes or one-time adjustments; fluctuating provision levels create uncertainty.
  • Non-interest expense remains substantial, with salaries, occupancy, and other operating expenses totaling $55 million in Q1 2025, showing an increasing trend that might pressure margins if revenue growth slows.
  • Net cash from financing activities shows variability due to debt issuance and repayments, along with equity repurchases, which may strain cash positions in some periods.
  • Accumulated other comprehensive income (loss) remains negative and sizable (approximately -$60 million in Q1 2025), indicating exposure to market or pension-related volatility.

Summary:

S&T Bancorp shows a solid and stable core banking business, with steady loan growth, consistent net interest income, and improving equity capital. Dividend payments indicate shareholder-friendly management. However, investors should monitor fluctuations in non-interest income and provisions for credit losses, as well as rising non-interest expenses, which could impact profitability. Overall, the financial statements suggest a well-managed bank with a focus on growth balanced with cautious credit risk management.

10/25/25 05:48 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About S&T Bancorp's Financials

When does S&T Bancorp's fiscal year end?

According to the most recent income statement we have on file, S&T Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has S&T Bancorp's net income changed over the last 10 years?

S&T Bancorp's net income appears to be on an upward trend, with a most recent value of $131.27 million in 2024, rising from $57.91 million in 2014. The previous period was $144.78 million in 2023. See S&T Bancorp's forecast for analyst expectations on what’s next for the company.

How has S&T Bancorp's revenue changed over the last 10 years?

Over the last 10 years, S&T Bancorp's total revenue changed from $194.38 million in 2014 to $383.89 million in 2024, a change of 97.5%.

How much debt does S&T Bancorp have?

S&T Bancorp's total liabilities were at $8.28 billion at the end of 2024, a 0.1% increase from 2023, and a 90.0% increase since 2014.

How much cash does S&T Bancorp have?

In the past 10 years, S&T Bancorp's cash and equivalents has ranged from $99.40 million in 2015 to $922.22 million in 2021, and is currently $244.82 million as of their latest financial filing in 2024.

How has S&T Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, S&T Bancorp's book value per share changed from 20.42 in 2014 to 36.08 in 2024, a change of 76.7%.


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This page (NASDAQ:STBA) was last updated on 10/25/2025 by MarketBeat.com Staff
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