S&T Bancorp (STBA) Financials

$37.20 +0.71 (+1.95%)

Closing price 04:00 PM Eastern

Extended Trading

$37.26 +0.06 (+0.17%)

As of 04:04 PM Eastern

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

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

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

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

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

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

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

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

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

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

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 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 5/27/2025 by MarketBeat.com Staff

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S&T Bancorp (STBA) Financials

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