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S&T Bancorp (STBA) Financials

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$36.49 -0.08 (-0.22%)
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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 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

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 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

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 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

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 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

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 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

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 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

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 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%

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 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 where experts think S&T Bancorp is headed by visiting S&T Bancorp's forecast page.

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 5/29/2025 by MarketBeat.com Staff
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July 2025 Rule Change to Impact Retirement Investors
There's a massive change from a new rule going into effect this July. And it's one the Big Banks are alread...
Premier Gold Co | Sponsored
A grave, grave error.
I thought what happened 25 years ago was a once- in-a-lifetime event… but how wrong I was. Because here we...
Porter & Company | Sponsored
Buffett’s favorite chart just hit 209% – here’s what that means for gold
A Historic Gold Announcement Is About to Rock Wall Street For months, sharp-eyed analysts have watched the ...
Golden Portfolio | Sponsored
Trump Exec Order 14179 is wealth “gift” to good Americans?
Is President Trump’s Executive Order 14179… A secret way to restore wealth for good citizens? If you’ve ...
Paradigm Press | Sponsored
This Signal Only Flashes Once Every 4 Years – And It Just Triggered
This same signal has appeared twice before in the past 8 years — both times, it kicked off major moves in cryp...
Crypto Swap Profits | Sponsored
3..2..1.. AI 2.0 ignition (don’t sleep on this)
I just put together an urgent new presentation that you need to see right away. In short: I believe we are...
Timothy Sykes | Sponsored
Trump Predicts Dollar Downfall
READ THIS VERY CAREFULLY: If you have $100,000 or more saved for retirement, this may make you VERY angry... ...
Augusta Precious Metals | Sponsored