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S&T Bancorp (STBA) Financials

S&T Bancorp logo
$47.85 +0.71 (+1.51%)
Closing price 06/12/2026 04:00 PM Eastern
Extended Trading
$47.84 -0.01 (-0.01%)
As of 06/12/2026 04:58 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 Massive. 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 67 71 73 105 98 21 110 136 145 131 134
Consolidated Net Income / (Loss)		 67 71 73 105 98 21 110 136 145 131 134
Net Income / (Loss) Continuing Operations		 67 71 73 105 98 21 110 136 145 131 134
Total Pre-Tax Income 		91 97 119 123 117 21 136 169 179 165 168
Total Revenue		 239 258 281 284 299 339 341 374 407 384 402
Net Interest Income / (Expense)		 188 203 226 234 247 279 276 316 349 335 350
Total Interest Income		 204 228 261 290 320 320 289 341 478 516 516
Loans and Leases Interest Income		 188 212 243 270 301 301 270 315 443 476 473
Investment Securities Interest Income		 16 15 17 20 20 20 19 26 35 39 44
Total Interest Expense		 16 25 35 55 74 41 13 25 128 181 166
Deposits Interest Expense		 13 20 25 41 63 36 11 20 93 159 155
Long-Term Debt Interest Expense		 3.05 4.82 9.58 15 11 5.09 2.39 5.06 36 22 12
Total Non-Interest Income		 51 55 55 49 53 60 65 58 58 49 52
Other Service Charges		 49 18 18 11 17 21 19 9.51 11 10 7.14
Net Realized & Unrealized Capital Gains on Investments		 -0.03 2.07 3.00 1.87 -0.03 0.14 0.03 0.20 0.00 -7.94 -2.30
Other Non-Interest Income		 2.22 35 34 36 35 39 46 49 47 47 47
Provision for Credit Losses		 10 18 14 15 15 131 16 8.37 18 0.13 7.42
Total Non-Interest Expense		 137 143 148 145 167 187 189 197 210 219 227
Salaries and Employee Benefits		 68 77 81 76 84 90 100 103 111 122 128
Net Occupancy & Equipment Expense		 26 27 28 30 36 41 42 43 45 48 49
Marketing Expense		 4.22 3.71 3.66 4.19 4.63 6.00 4.55 5.60 6.81 6.35 5.91
Property & Liability Insurance Claims		 3.42 3.98 4.54 3.24 0.76 5.09 4.22 2.85 4.12 4.20 4.24
Other Operating Expenses		 31 31 31 32 31 42 38 42 43 38 40
Income Tax Expense		 24 25 46 18 19 -0.00 25 33 34 34 34
Basic Earnings per Share		 - $2.06 $2.10 $3.03 $2.84 $0.54 $2.81 $3.47 $3.76 $3.43 $3.51
Weighted Average Basic Shares Outstanding		 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
Diluted Earnings per Share		 $1.98 $2.05 $2.09 $3.01 $2.82 $0.53 $2.81 $3.46 $3.74 $3.41 $3.49
Weighted Average Diluted Shares Outstanding		 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
Weighted Average Basic & Diluted Shares Outstanding		 33.81M 34.68M 34.73M 34.78M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
Cash Dividends to Common per Share		 $0.73 $0.77 $0.82 $0.99 $1.09 $1.12 $1.13 $1.20 $1.29 $1.33 $1.38

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 33 37 31 34 33 33 33 32 35 34 35
Consolidated Net Income / (Loss)		 33 37 31 34 33 33 33 32 35 34 35
Net Income / (Loss) Continuing Operations		 33 37 31 34 33 33 33 32 35 34 35
Total Pre-Tax Income 		41 46 39 43 41 41 42 40 44 42 44
Total Revenue		 100 103 96 97 96 94 94 100 103 105 102
Net Interest Income / (Expense)		 87 85 83 84 84 83 83 87 89 91 88
Total Interest Income		 123 127 128 129 131 128 125 129 132 131 126
Loans and Leases Interest Income		 114 117 119 120 121 117 114 118 120 120 115
Investment Securities Interest Income		 8.70 9.26 9.18 9.20 11 11 11 11 11 11 11
Total Interest Expense		 36 42 44 45 47 45 42 42 42 40 38
Deposits Interest Expense		 25 33 37 40 42 41 38 39 40 37 36
Long-Term Debt Interest Expense		 11 8.68 7.62 5.54 4.50 3.99 3.17 3.28 2.52 2.86 2.21
Total Non-Interest Income		 12 18 13 13 12 11 10 14 14 14 14
Other Service Charges		 0.43 6.34 1.72 4.66 2.14 1.71 1.49 1.78 1.75 2.12 1.79
Net Realized & Unrealized Capital Gains on Investments		 0.00 - 0.00 -3.15 -2.20 -2.59 -2.30 0.00 0.00 - 0.00
Other Non-Interest Income		 12 12 11 12 12 12 11 12 12 12 12
Provision for Credit Losses		 5.50 0.94 2.63 0.42 -0.45 -2.46 -3.04 1.97 2.79 5.70 1.33
Total Non-Interest Expense		 53 56 55 54 55 55 55 58 56 57 57
Salaries and Employee Benefits		 28 31 30 30 31 31 30 33 32 33 31
Net Occupancy & Equipment Expense		 11 12 12 11 12 12 13 12 12 12 13
Marketing Expense		 1.74 1.44 1.94 1.40 1.38 1.62 1.62 1.49 1.26 1.55 1.47
Property & Liability Insurance Claims		 1.03 1.05 1.05 1.05 1.05 1.05 1.04 1.06 1.07 1.06 1.07
Other Operating Expenses		 11 11 9.72 9.52 9.41 9.57 9.87 10 9.73 9.47 9.57
Income Tax Expense		 7.80 8.98 7.92 8.50 8.85 8.28 8.30 8.08 8.87 8.45 8.97
Basic Earnings per Share		 $0.88 $0.97 $0.82 $0.90 $0.85 $0.86 $0.87 $0.83 $0.91 $0.90 $0.95
Weighted Average Basic Shares Outstanding		 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
Diluted Earnings per Share		 $0.87 $0.96 $0.81 $0.89 $0.85 $0.86 $0.87 $0.83 $0.91 $0.88 $0.94
Weighted Average Diluted Shares Outstanding		 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
Weighted Average Basic & Diluted Shares Outstanding		 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
Cash Dividends to Common per Share		 $0.32 $0.33 $0.33 $0.33 $0.33 $0.34 $0.34 $0.34 $0.34 $0.36 $0.36

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -10 40 -22 38 42 32 693 -712 24 11 -81
Net Cash From Operating Activities		 61 97 114 128 138 52 215 241 172 173 134
Net Cash From Continuing Operating Activities		 61 97 114 128 138 52 215 241 172 173 134
Net Income / (Loss) Continuing Operations		 67 71 73 105 98 21 110 136 145 131 134
Consolidated Net Income / (Loss)		 67 71 73 105 98 21 110 136 145 131 134
Provision For Loan Losses		 11 18 13 15 15 131 16 8.37 18 0.13 7.42
Depreciation Expense		 0.36 3.63 2.50 7.30 12 12 11 9.03 7.52 11 10
Amortization Expense		 3.60 3.83 4.00 3.18 3.24 4.21 5.48 6.06 4.67 2.84 -3.34
Non-Cash Adjustments to Reconcile Net Income		 -8.06 1.58 12 -18 -0.31 -17 22 -1.49 0.34 13 6.78
Changes in Operating Assets and Liabilities, net		 -13 -1.66 9.31 16 10 -100 50 83 -3.45 16 -22
Net Cash From Investing Activities		 -406 -617 -212 -202 -211 -159 13 -399 -444 -118 -315
Net Cash From Continuing Investing Activities		 -406 -617 -212 -202 -211 -159 13 -399 -444 -118 -315
Purchase of Property, Leasehold Improvements and Equipment		 -5.13 -3.56 -4.69 -4.17 -5.15 -5.42 -3.61 -3.86 -5.51 -2.94 -4.77
Purchase of Investment Securities		 -475 -721 -369 -300 -491 -407 -137 -607 -607 -421 -510
Sale and/or Maturity of Investments		 74 83 156 98 221 253 154 212 168 306 200
Net Cash From Financing Activities		 335 560 76 112 114 139 464 -554 296 -44 100
Net Cash From Continuing Financing Activities		 335 560 76 112 114 139 464 -554 296 -44 100
Net Change in Deposits		 247 396 193 246 396 385 576 -776 302 261 176
Issuance of Debt		 100 304 35 25 10 -206 -56 286 70 -215 15
Repayment of Debt		 -19 -102 -122 -72 -236 -27 -11 -7.69 -5.46 -38 -0.08
Repurchase of Common Equity		 -0.18 -0.12 0.00 -21 -19 -13 0.00 -7.64 -20 0.00 -36
Payment of Dividends		 -24 -27 -29 -35 -37 -44 -44 -47 -50 -51 -53
Other Financing Activities, Net		 31 -11 -1.36 -32 1.33 45 -0.63 -0.81 -0.80 -0.87 -1.67
Cash Interest Paid		 16 23 34 53 75 44 15 22 111 176 172

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -47 136 -73 -5.90 -46 135 -62 -37 -47 65 133
Net Cash From Operating Activities		 58 31 46 45 28 55 29 28 40 36 43
Net Cash From Continuing Operating Activities		 - 172 0.00 - - 173 0.00 - - 134 0.00
Net Income / (Loss) Continuing Operations		 - 145 0.00 - - 131 0.00 - - 134 0.00
Net Cash From Investing Activities		 -211 -107 -8.34 -62 17 -65 -104 -105 -20 -86 85
Net Cash From Continuing Investing Activities		 -211 -107 -8.34 -62 17 -65 -104 -105 -20 -86 85
Purchase of Property, Leasehold Improvements and Equipment		 -2.23 -1.30 -0.53 -0.85 -0.70 -0.86 -1.73 -1.19 -0.60 -1.25 -0.97
Purchase of Investment Securities		 -244 -168 -56 -135 -91 -154 -180 -130 -59 -140 47
Sale and/or Maturity of Investments		 35 63 48 73 109 89 78 26 39 56 38
Net Cash From Financing Activities		 164 71 -64 56 -63 27 42 68 -27 17 48
Net Cash From Continuing Financing Activities		 164 71 -64 56 -63 27 42 68 -27 17 48
Net Change in Deposits		 82 299 79 80 -25 128 110 28 1.02 37 226
Issuance of Debt		 100 -215 - - - -50 -55 - - 15 -115
Repayment of Debt		 -5.12 -0.12 -130 -10 -50 -38 -0.02 55 -15 15 -0.02
Repurchase of Common Equity		 -0.04 0.52 -0.04 -0.74 -0.07 0.85 -0.04 -1.50 -0.13 -35 -50
Payment of Dividends		 -12 -13 -13 -13 -13 -13 -13 -13 -13 -14 -13
Cash Interest Paid		 34 36 41 42 43 51 44 42 45 41 38
Cash Income Taxes Paid		 4.10 9.16 0.14 9.51 10 9.59 0.09 11 6.83 - 0.14

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 6,318 6,943 7,060 7,252 8,765 8,968 9,489 9,111 9,552 9,658 9,871
Cash and Due from Banks		 99 139 117 155 198 230 922 210 234 245 163
Trading Account Securities		 696 697 703 687 790 792 912 1,003 971 988 989
Loans and Leases, Net of Allowance		 4,979 5,559 5,705 5,886 7,075 7,108 6,901 7,083 7,545 7,641 7,979
Loans and Leases		 5,028 5,611 5,761 5,947 7,137 7,226 7,000 7,184 7,653 7,743 8,072
Allowance for Loan and Lease Losses		 48 53 56 61 62 118 99 101 108 101 93
Premises and Equipment, Net		 49 45 43 42 57 56 53 49 49 45 44
Goodwill		 292 292 292 287 372 373 373 373 373 373 373
Intangible Assets		 6.53 4.91 3.68 2.60 11 8.68 6.90 5.38 4.06 3.06 2.25
Other Assets		 196 206 197 192 263 400 320 387 376 363 321
Total Liabilities & Shareholders' Equity		 6,318 6,943 7,060 7,252 8,765 8,968 9,489 9,111 9,552 9,658 9,871
Total Liabilities		 5,526 6,101 6,176 6,316 7,573 7,813 8,282 7,926 8,268 8,278 8,407
Non-Interest Bearing Deposits		 1,228 1,264 1,388 1,421 1,698 2,262 - 2,589 2,222 2,185 2,161
Interest Bearing Deposits		 3,649 4,009 4,040 4,253 5,338 5,159 - 4,631 5,300 5,598 5,798
Short-Term Debt		 418 711 590 488 301 140 - 370 415 150 165
Long-Term Debt		 163 60 93 116 115 88 - 69 89 100 100
Other Long-Term Liabilities		 69 58 65 38 120 165 8,282 267 243 244 183
Total Equity & Noncontrolling Interests		 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380 1,464
Total Preferred & Common Equity		 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380 1,464
Total Common Equity		 792 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380 1,464
Common Stock		 301 303 306 301 504 504 507 510 513 515 517
Retained Earnings		 544 586 628 702 761 710 774 864 960 1,039 1,120
Treasury Stock		 -36 -34 -32 -44 -61 -69 -67 -77 -98 -97 -131
Accumulated Other Comprehensive Income / (Loss)		 -16 -14 -18 -23 -12 8.97 -7.09 -112 -91 -77 -42

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 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 8,936 9,193 9,253 9,466 9,635 9,584 9,718 9,810 9,817 9,944
Cash and Due from Banks		 135 244 228 238 246 228 212 203 196 339
Trading Account Securities		 998 999 971 956 978 1,012 1,011 1,021 1,001 1,010
Loans and Leases, Net of Allowance		 6,997 7,143 7,214 7,408 7,607 7,585 7,737 7,836 7,883 7,866
Loans and Leases		 7,097 7,251 7,320 7,516 7,714 7,689 7,836 7,934 7,981 7,959
Allowance for Loan and Lease Losses		 100 108 106 108 106 104 99 99 98 93
Premises and Equipment, Net		 50 49 49 50 47 46 45 45 44 43
Goodwill		 373 373 373 373 373 373 373 373 373 373
Intangible Assets		 5.74 5.04 4.71 4.38 - 3.17 2.81 2.66 2.45 2.07
Other Assets		 376 380 413 437 383 337 336 329 317 310
Total Liabilities & Shareholders' Equity		 8,936 9,193 9,253 9,466 9,635 9,584 9,718 9,810 9,817 9,944
Total Liabilities		 7,783 7,966 8,040 8,243 8,314 8,208 8,300 8,365 8,342 8,513
Non-Interest Bearing Deposits		 2,663 - - 2,276 2,207 2,158 2,164 2,182 2,189 2,273
Interest Bearing Deposits		 4,747 - - 4,947 5,474 5,497 5,728 5,739 5,733 5,912
Short-Term Debt		 35 - - 630 275 225 95 150 135 50
Long-Term Debt		 69 - - 89 88 113 100 100 100 100
Other Long-Term Liabilities		 268 7,966 - 301 270 215 212 193 185 178
Total Equity & Noncontrolling Interests		 1,153 1,228 1,213 1,224 1,321 1,376 1,418 1,445 1,475 1,431
Total Preferred & Common Equity		 1,153 1,228 1,213 1,224 1,321 1,376 1,418 1,445 1,475 1,431
Total Common Equity		 1,153 1,228 1,213 1,224 1,321 1,376 1,418 1,445 1,475 1,431
Common Stock		 509 511 511 512 513 514 516 515 515 518
Retained Earnings		 836 891 914 935 999 1,019 1,059 1,078 1,100 1,142
Treasury Stock		 -77 -77 -98 -98 -97 -97 -97 -95 -95 -181
Accumulated Other Comprehensive Income / (Loss)		 -115 -97 -114 -126 -94 -61 -61 -52 -45 -47

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 38,222,500.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 38,222,500.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 3.51
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 22.74% 8.09% 9.04% 0.86% 5.55% 13.29% 0.49% 9.75% 8.82% -5.69% 4.75%
EBITDA Growth		 13.87% 9.14% 20.88% 6.16% -1.00% -71.80% 309.09% 20.57% 3.79% -6.53% -1.95%
EBIT Growth		 21.28% 5.70% 23.48% 3.16% -4.72% -82.07% 544.84% 24.52% 5.85% -7.82% 1.89%
NOPAT Growth		 15.84% 6.43% 2.21% 44.36% -6.74% -78.58% 424.44% 22.82% 6.83% -9.34% 2.26%
Net Income Growth		 15.84% 6.43% 2.21% 44.36% -6.74% -78.58% 424.44% 22.82% 6.83% -9.34% 2.26%
EPS Growth		 1.54% 3.54% 1.95% 44.02% -6.31% -81.21% 430.19% 23.13% 8.09% -8.82% 2.35%
Operating Cash Flow Growth		 -22.43% 59.79% 18.01% 12.06% 8.13% -62.76% 316.77% 11.95% -28.59% 0.94% -22.93%
Free Cash Flow Firm Growth		 -152.38% 45.89% 170.51% 11.26% -77.37% 723.58% 16.12% -198.38% 93.46% 1,659.89% -87.60%
Invested Capital Growth		 38.12% 17.49% -2.85% -1.73% 4.43% -14.03% -12.74% 34.60% 10.05% -8.76% 6.04%
Revenue Q/Q Growth		 5.61% 1.34% 1.85% 0.16% 3.00% 1.78% -0.27% 5.67% -0.37% 0.00% 2.80%
EBITDA Q/Q Growth		 5.51% 0.42% 6.28% 2.45% -0.86% 101.45% 10.34% 26.12% 4.35% 0.00% 4.90%
EBIT Q/Q Growth		 6.74% -0.07% 6.59% 0.21% -3.65% 13.60% -1.92% 15.78% -2.31% 0.00% 0.64%
NOPAT Q/Q Growth		 4.56% 0.33% -10.28% 20.01% -4.46% 9.97% -1.52% 15.11% -2.18% 0.00% 0.68%
Net Income Q/Q Growth		 4.56% 0.33% -10.28% 20.01% -4.46% 9.97% -1.52% 15.11% -2.18% 0.00% 0.68%
EPS Q/Q Growth		 0.51% 0.00% -10.30% 19.92% -5.37% 0.00% -1.06% 14.95% -1.84% 0.00% 0.58%
Operating Cash Flow Q/Q Growth		 -25.47% 35.70% 5.93% 10.37% 2.06% 20.94% -5.06% -3.15% -2.51% 16.00% -12.14%
Free Cash Flow Firm Q/Q Growth		 -24.64% -5.19% 241.44% -21.10% -85.91% -31.11% 367.96% -227.35% 96.56% 0.00% -73.91%
Invested Capital Q/Q Growth		 7.77% 7.14% -6.22% -3.20% 8.59% 21.06% -11.36% 29.14% -7.99% 0.00% 1.08%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.00% 40.39% 44.78% 47.13% 44.20% 11.00% 44.78% 49.20% 46.92% 46.50% 43.53%
EBIT Margin		 38.34% 37.49% 42.46% 43.43% 39.21% 6.20% 39.81% 45.16% 43.93% 42.93% 41.76%
Profit (Net Income) Margin		 28.12% 27.68% 25.95% 37.14% 32.82% 6.20% 32.38% 36.23% 35.57% 34.19% 33.38%
Tax Burden Percent		 73.33% 73.83% 61.11% 85.51% 83.70% 100.00% 81.33% 80.22% 80.97% 79.64% 79.93%
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		 26.67% 26.17% 38.89% 14.49% 16.30% 0.00% 18.67% 19.78% 19.03% 20.36% 20.07%
Return on Invested Capital (ROIC)		 5.67% 4.78% 4.59% 6.78% 6.24% 1.41% 8.52% 9.58% 8.49% 7.68% 7.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.67% 4.78% 4.59% 6.78% 6.24% 1.41% 8.52% 9.58% 8.49% 7.68% 7.99%
Return on Net Nonoperating Assets (RNNOA)		 3.91% 3.96% 3.87% 4.80% 2.99% 0.39% 0.82% 1.76% 3.24% 2.17% 1.45%
Return on Equity (ROE)		 9.58% 8.74% 8.46% 11.58% 9.23% 1.79% 9.35% 11.34% 11.73% 9.86% 9.44%
Cash Return on Invested Capital (CROIC)		 -26.35% -11.30% 7.48% 8.52% 1.90% 16.50% 22.13% -19.92% -1.08% 16.84% 2.12%
Operating Return on Assets (OROA)		 1.62% 1.46% 1.71% 1.72% 1.47% 0.24% 1.47% 1.82% 1.92% 1.72% 1.72%
Return on Assets (ROA)		 1.19% 1.08% 1.04% 1.47% 1.23% 0.24% 1.20% 1.46% 1.55% 1.37% 1.37%
Return on Common Equity (ROCE)		 9.58% 8.74% 8.46% 11.58% 9.23% 1.79% 9.35% 11.34% 11.73% 9.86% 9.44%
Return on Equity Simple (ROE_SIMPLE)		 8.47% 8.48% 8.25% 11.26% 8.24% 1.82% 9.15% 11.44% 11.28% 9.51% 9.17%
Net Operating Profit after Tax (NOPAT)		 67 71 73 105 98 21 110 136 145 131 134
NOPAT Margin		 28.12% 27.68% 25.95% 37.14% 32.82% 6.20% 32.38% 36.23% 35.57% 34.19% 33.38%
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		 41.40% 41.96% 39.89% 38.82% 41.47% 40.45% 43.04% 40.68% 40.07% 45.98% 45.51%
Operating Expenses to Revenue		 57.30% 55.54% 52.60% 51.28% 55.83% 55.04% 55.43% 52.60% 51.68% 57.03% 56.39%
Earnings before Interest and Taxes (EBIT)		 91 97 119 123 117 21 136 169 179 165 168
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 95 104 126 134 132 37 153 184 191 179 175
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 1.24 1.23 1.13 0.95 0.73 0.92 1.03 0.95 1.05 1.02
Price to Tangible Book Value (P/TBV)		 1.62 1.91 1.85 1.64 1.40 1.09 1.34 1.51 1.35 1.44 1.37
Price to Revenue (P/Rev)		 3.35 4.05 3.88 3.74 3.80 2.49 3.26 3.26 3.00 3.78 3.71
Price to Earnings (P/E)		 11.90 14.62 14.93 10.08 11.57 40.07 10.07 9.00 8.43 11.04 11.11
Dividend Yield		 3.18% 2.58% 2.63% 3.27% 3.28% 5.22% 4.00% 3.84% 4.04% 3.51% 3.54%
Earnings Yield		 8.40% 6.84% 6.70% 9.92% 8.64% 2.50% 9.93% 11.11% 11.86% 9.05% 9.00%
Enterprise Value to Invested Capital (EV/IC)		 0.93 1.04 1.06 0.98 0.84 0.61 0.16 0.89 0.83 0.89 0.92
Enterprise Value to Revenue (EV/Rev)		 5.36 6.50 5.89 5.32 4.53 2.48 0.55 3.87 3.66 3.79 3.96
Enterprise Value to EBITDA (EV/EBITDA)		 13.41 16.09 13.15 11.30 10.24 22.55 1.24 7.88 7.81 8.15 9.10
Enterprise Value to EBIT (EV/EBIT)		 13.99 17.33 13.87 12.26 11.55 39.99 1.39 8.58 8.34 8.83 9.49
Enterprise Value to NOPAT (EV/NOPAT)		 19.08 23.47 22.69 14.34 13.80 39.99 1.71 10.69 10.30 11.09 11.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 21.12 17.31 14.49 11.80 9.79 16.32 0.88 6.03 8.68 8.39 11.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 13.92 11.41 45.23 3.41 0.66 0.00 0.00 5.06 44.68
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.73 0.92 0.77 0.65 0.35 0.20 0.00 0.37 0.39 0.18 0.18
Long-Term Debt to Equity		 0.21 0.07 0.11 0.12 0.10 0.08 0.00 0.06 0.07 0.07 0.07
Financial Leverage		 0.69 0.83 0.84 0.71 0.48 0.27 0.10 0.18 0.38 0.28 0.18
Leverage Ratio		 8.06 8.12 8.11 7.86 7.53 7.56 7.82 7.78 7.56 7.21 6.87
Compound Leverage Factor		 8.06 8.12 8.11 7.86 7.53 7.56 7.82 7.78 7.56 7.21 6.87
Debt to Total Capital		 42.30% 47.81% 43.59% 39.24% 25.89% 16.48% 0.00% 27.05% 28.18% 15.35% 15.34%
Short-Term Debt to Total Capital		 30.45% 44.07% 37.66% 31.71% 18.73% 10.14% 0.00% 22.79% 23.22% 9.20% 9.54%
Long-Term Debt to Total Capital		 11.85% 3.74% 5.93% 7.53% 7.16% 6.35% 0.00% 4.26% 4.96% 6.15% 5.80%
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		 57.70% 52.19% 56.41% 60.76% 74.11% 83.52% 100.00% 72.95% 71.82% 84.65% 84.66%
Debt to EBITDA		 6.09 7.40 5.43 4.52 3.15 6.11 0.00 2.39 2.64 1.40 1.52
Net Debt to EBITDA		 5.04 6.06 4.49 3.36 1.65 -0.05 0.00 1.25 1.41 0.03 0.58
Long-Term Debt to EBITDA		 1.70 0.58 0.74 0.87 0.87 2.35 0.00 0.38 0.46 0.56 0.57
Debt to NOPAT		 8.66 10.80 9.36 5.74 4.24 10.83 0.00 3.24 3.48 1.91 1.98
Net Debt to NOPAT		 7.18 8.85 7.76 4.26 2.22 -0.08 0.00 1.69 1.87 0.04 0.76
Long-Term Debt to NOPAT		 2.42 0.85 1.27 1.10 1.17 4.17 0.00 0.51 0.61 0.76 0.75
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)		 -312 -169 119 132 30 247 287 -282 -18 288 36
Operating Cash Flow to CapEx		 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% 2,802.35%
Free Cash Flow to Firm to Interest Expense		 -19.49 -6.88 3.41 2.39 0.41 6.01 21.79 -11.29 -0.14 1.59 0.21
Operating Cash Flow to Interest Expense		 3.79 3.95 3.27 2.31 1.88 1.26 16.34 9.63 1.34 0.96 0.80
Operating Cash Flow Less CapEx to Interest Expense		 3.50 3.81 3.15 2.24 1.81 1.12 16.07 9.49 1.29 0.94 0.77
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		 5.47 5.48 6.41 6.72 6.07 6.03 6.30 7.34 8.28 8.16 9.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,373 1,613 1,567 1,540 1,608 1,383 1,206 1,624 1,787 1,631 1,729
Invested Capital Turnover		 0.20 0.17 0.18 0.18 0.19 0.23 0.26 0.26 0.24 0.22 0.24
Increase / (Decrease) in Invested Capital		 379 240 -46 -27 68 -226 -176 417 163 -156 99
Enterprise Value (EV)		 1,280 1,675 1,656 1,510 1,355 841 189 1,449 1,491 1,455 1,594
Market Capitalization		 798 1,044 1,090 1,061 1,137 843 1,111 1,220 1,221 1,450 1,492
Book Value per Share		 $22.76 $24.12 $25.27 $26.73 $34.81 $29.37 $30.66 $30.37 $33.57 $36.08 $38.30
Tangible Book Value per Share		 $14.19 $15.62 $16.83 $18.45 $23.64 $19.65 $20.99 $20.66 $23.69 $26.24 $28.47
Total Capital		 1,373 1,613 1,567 1,540 1,608 1,383 1,206 1,624 1,787 1,631 1,729
Total Debt		 581 771 683 604 416 228 0.00 439 504 250 265
Total Long-Term Debt		 163 60 93 116 115 88 0.00 69 89 100 100
Net Debt		 481 632 566 449 219 -1.74 -922 229 270 5.49 102
Capital Expenditures (CapEx)		 4.67 3.50 4.27 4.04 5.08 5.39 3.60 3.70 5.51 2.94 4.77
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)		 581 771 683 604 416 228 0.00 439 504 250 265
Total Depreciation and Amortization (D&A)		 3.96 7.46 6.50 10 15 16 17 15 12 14 7.11
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $3.03 $2.84 $0.54 $2.81 $3.47 $3.76 $3.43 $3.51
Adjusted Weighted Average Basic Shares Outstanding		 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
Adjusted Diluted Earnings per Share		 $1.98 $2.05 $2.09 $3.01 $2.82 $0.53 $2.81 $3.46 $3.74 $3.41 $3.49
Adjusted Weighted Average Diluted Shares Outstanding		 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
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		 34.81M 34.91M 34.97M 34.62M 39.46M 39.29M 36.70M 39.00M 38.23M 38.26M 36.55M
Normalized Net Operating Profit after Tax (NOPAT)		 69 71 73 105 108 16 110 136 145 131 134
Normalized NOPAT Margin		 29.09% 27.68% 25.95% 37.14% 35.99% 4.83% 32.38% 36.23% 35.57% 34.19% 33.38%
Pre Tax Income Margin		 38.34% 37.49% 42.46% 43.43% 39.21% 6.20% 39.81% 45.16% 43.93% 42.93% 41.76%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.72 3.94 3.42 2.22 1.59 0.51 10.32 6.77 1.39 0.91 1.01
NOPAT to Interest Expense		 4.19 2.91 2.09 1.90 1.33 0.51 8.39 5.43 1.13 0.73 0.81
EBIT Less CapEx to Interest Expense		 5.43 3.80 3.30 2.15 1.52 0.38 10.04 6.62 1.35 0.89 0.98
NOPAT Less CapEx to Interest Expense		 3.90 2.77 1.97 1.83 1.26 0.38 8.12 5.28 1.08 0.71 0.78
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.50% 37.52% 39.15% 32.79% 38.03% 208.88% 40.17% 34.65% 34.33% 38.83% 39.40%
Augmented Payout Ratio		 36.77% 37.68% 39.15% 52.31% 57.51% 271.40% 40.17% 40.28% 48.01% 38.83% 66.42%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 6/30/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - 38,259,730.00 - - - 38,222,500.00 36,548,632.00
DEI Adjusted Shares Outstanding		 - - - - - 38,259,730.00 - - - 38,222,500.00 36,548,632.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.86 - - - 0.89 0.96
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.02% -1.46% -4.98% -5.29% -3.23% -8.57% -2.65% 3.27% 6.90% 11.62% 8.88%
EBITDA Growth		 -11.11% -8.41% -13.15% 1.70% 0.42% -10.16% 6.49% -6.73% 5.77% 2.60% 5.62%
EBIT Growth		 -11.11% -8.41% -13.15% 1.70% 0.42% -10.16% 6.49% -6.73% 5.77% 2.60% 5.62%
NOPAT Growth		 -10.15% -8.00% -13.64% -0.28% -2.62% -10.75% 6.92% -7.19% 7.28% 2.73% 5.00%
Net Income Growth		 -10.15% -8.00% -13.64% -0.28% -2.62% -10.75% 6.92% -7.19% 7.28% 2.73% 5.00%
EPS Growth		 -8.42% -6.80% -12.75% 0.00% -2.30% -10.42% 7.41% -6.74% 7.06% 2.33% 8.05%
Operating Cash Flow Growth		 11.34% -12.51% 4.80% 15.34% 0.00% 76.87% -38.13% -36.79% 46.51% -33.80% 47.09%
Free Cash Flow Firm Growth		 -562.38% 66.54% -394.27% 978.52% 140.02% 250.21% 124.64% -233.41% -85.28% -134.08% -35.72%
Invested Capital Growth		 54.46% 10.05% 37.23% 0.00% -11.74% -8.76% -4.25% 0.00% -0.20% 6.04% -2.01%
Revenue Q/Q Growth		 -2.69% 3.62% -6.07% 0.61% 0.00% -2.10% 0.00% 6.74% 2.93% 2.22% -3.05%
EBITDA Q/Q Growth		 -2.10% 11.52% -6.86% 9.47% 0.00% -0.23% 0.00% -4.12% 9.63% -3.23% 3.83%
EBIT Q/Q Growth		 -2.10% 11.52% -6.86% 9.47% 0.00% -0.23% 0.00% -4.12% 9.63% -3.23% 3.83%
NOPAT Q/Q Growth		 -2.90% 10.69% -7.22% 10.03% 0.00% 1.46% 0.00% -4.49% 9.60% -2.85% 3.25%
Net Income Q/Q Growth		 -2.90% 10.69% -7.22% 10.03% 0.00% 1.46% 0.00% -4.49% 9.60% -2.85% 3.25%
EPS Q/Q Growth		 -2.25% 10.34% -7.29% 9.88% 0.00% 1.18% 0.00% -4.60% 9.64% -3.30% 6.82%
Operating Cash Flow Q/Q Growth		 49.06% -46.61% 16.88% -3.52% 0.00% 97.61% -47.63% -1.42% 43.15% -10.71% 17.63%
Free Cash Flow Firm Q/Q Growth		 -663.23% 80.63% -235.00% 392.89% 0.00% -27.29% 0.00% -1,685.83% 102.31% -268.35% 204.42%
Invested Capital Q/Q Growth		 60.14% -7.99% -5.72% -100.00% 0.00% -4.87% 0.00% 5.11% 0.88% 1.08% -8.57%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29% 43.15%
EBIT Margin		 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29% 43.15%
Profit (Net Income) Margin		 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26% 34.36%
Tax Burden Percent		 81.10% 80.50% 80.18% 80.18% 78.64% 79.97% 80.10% 79.78% 79.76% 80.08% 79.63%
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		 18.90% 19.51% 19.82% 19.82% 21.36% 20.03% 19.90% 20.22% 20.24% 19.93% 20.37%
Return on Invested Capital (ROIC)		 8.58% 8.57% 9.79% 0.00% 0.00% 7.87% 8.24% 14.46% 7.75% 7.72% 8.83%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.58% 8.57% 9.79% 0.00% 0.00% 7.87% 8.24% 14.46% 7.75% 7.72% 8.83%
Return on Net Nonoperating Assets (RNNOA)		 2.97% 3.27% 1.40% 0.00% 0.00% 2.23% 1.68% 2.50% 1.56% 1.40% 1.07%
Return on Equity (ROE)		 11.56% 11.84% 11.19% 0.00% 0.00% 10.10% 9.92% 16.96% 9.31% 9.12% 9.90%
Cash Return on Invested Capital (CROIC)		 -33.55% -1.08% -21.82% 0.00% 0.00% 16.84% 12.43% -184.56% 7.98% 2.12% 10.54%
Operating Return on Assets (OROA)		 1.84% 1.95% 1.89% 0.00% 0.00% 1.75% 1.75% 1.57% 1.72% 1.66% 1.80%
Return on Assets (ROA)		 1.49% 1.57% 1.51% 0.00% 0.00% 1.40% 1.40% 1.25% 1.37% 1.33% 1.43%
Return on Common Equity (ROCE)		 11.56% 11.84% 11.19% 0.00% 0.00% 10.10% 9.92% 16.96% 9.31% 9.12% 9.90%
Return on Equity Simple (ROE_SIMPLE)		 12.10% 0.00% 10.55% 0.00% 0.00% 0.00% 9.41% 9.06% 9.04% 0.00% 9.50%
Net Operating Profit after Tax (NOPAT)		 33 37 34 34 33 33 33 32 35 34 35
NOPAT Margin		 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26% 34.36%
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		 40.71% 42.88% 44.42% 44.42% 46.60% 47.52% 47.13% 46.59% 44.25% 44.30% 45.13%
Operating Expenses to Revenue		 53.03% 54.48% 55.32% 55.32% 57.46% 58.78% 58.76% 58.07% 54.73% 54.30% 55.55%
Earnings before Interest and Taxes (EBIT)		 41 46 43 43 41 41 42 40 44 42 44
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 41 46 43 43 41 41 42 40 44 42 44
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.81 0.95 0.96 0.00 1.17 1.01 1.00 1.00 0.98 1.02 1.07
Price to Tangible Book Value (P/TBV)		 1.18 1.35 1.34 0.00 1.61 1.39 1.36 1.36 1.31 1.37 1.45
Price to Revenue (P/Rev)		 2.43 3.00 3.15 3.12 0.00 3.65 3.72 3.77 3.69 3.71 3.72
Price to Earnings (P/E)		 6.71 8.43 9.09 9.07 0.00 10.66 10.62 11.07 10.81 11.11 11.25
Dividend Yield		 4.89% 4.04% 3.96% 4.06% 3.15% 3.64% 3.62% 3.57% 3.62% 3.54% 3.35%
Earnings Yield		 14.89% 11.86% 11.01% 11.03% 0.00% 9.38% 9.41% 9.03% 9.25% 9.00% 8.89%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.83 0.82 0.00 1.00 0.86 0.87 0.88 0.87 0.92 0.85
Enterprise Value to Revenue (EV/Rev)		 3.61 3.66 3.44 0.00 0.00 3.66 3.67 3.89 3.78 3.96 3.26
Enterprise Value to EBITDA (EV/EBITDA)		 8.05 7.81 8.03 0.00 0.00 7.87 8.37 9.10 8.87 9.10 7.87
Enterprise Value to EBIT (EV/EBIT)		 8.05 8.34 8.03 0.00 0.00 8.52 8.37 9.10 8.87 9.49 7.87
Enterprise Value to NOPAT (EV/NOPAT)		 9.96 10.30 9.93 0.00 0.00 10.70 10.50 11.43 11.10 11.87 9.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.37 8.68 7.96 0.00 11.48 8.10 9.00 10.75 9.74 11.93 9.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 4.88 6.84 0.00 10.83 44.68 7.96
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.59 0.39 0.28 0.00 0.25 0.18 0.14 0.17 0.16 0.18 0.11
Long-Term Debt to Equity		 0.07 0.07 0.07 0.00 0.08 0.07 0.07 0.07 0.07 0.07 0.07
Financial Leverage		 0.35 0.38 0.14 0.00 0.41 0.28 0.20 0.17 0.20 0.18 0.12
Leverage Ratio		 7.74 7.56 7.39 0.00 7.33 7.21 7.06 6.79 6.80 6.87 6.90
Compound Leverage Factor		 7.74 7.56 7.39 0.00 7.33 7.21 7.06 6.79 6.80 6.87 6.90
Debt to Total Capital		 37.01% 28.18% 21.57% 0.00% 19.74% 15.35% 12.11% 14.76% 13.75% 15.34% 9.51%
Short-Term Debt to Total Capital		 32.44% 23.22% 16.32% 0.00% 13.13% 9.20% 5.89% 8.85% 7.89% 9.54% 3.16%
Long-Term Debt to Total Capital		 4.57% 4.96% 5.25% 0.00% 6.62% 6.15% 6.22% 5.91% 5.86% 5.80% 6.34%
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		 62.99% 71.82% 78.43% 0.00% 80.26% 84.65% 87.89% 85.24% 86.25% 84.66% 90.49%
Debt to EBITDA		 3.93 2.64 2.11 0.00 0.00 1.40 1.17 1.52 1.41 1.52 0.88
Net Debt to EBITDA		 2.62 1.41 0.68 0.00 0.00 0.03 -0.10 0.29 0.23 0.58 -1.11
Long-Term Debt to EBITDA		 0.48 0.46 0.51 0.00 0.00 0.56 0.60 0.61 0.60 0.57 0.59
Debt to NOPAT		 4.86 3.48 2.61 0.00 0.00 1.91 1.46 1.91 1.76 1.98 1.11
Net Debt to NOPAT		 3.25 1.87 0.84 0.00 0.00 0.04 -0.12 0.36 0.29 0.76 -1.39
Long-Term Debt to NOPAT		 0.60 0.61 0.63 0.00 0.00 0.76 0.75 0.77 0.75 0.75 0.74
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)		 -651 -126 -423 1,247 261 190 105 -1,664 38 -65 67
Operating Cash Flow to CapEx		 2,580.37% 2,400.86% 8,701.31% 5,270.32% 0.00% 6,364.69% 1,662.34% 2,376.81% 6,703.48% 2,896.71% 4,388.54%
Free Cash Flow to Firm to Interest Expense		 -18.31 -3.03 -9.36 27.61 5.55 4.25 2.53 -39.30 0.91 -1.61 1.78
Operating Cash Flow to Interest Expense		 1.63 0.74 1.03 0.99 0.00 1.22 0.69 0.67 0.96 0.90 1.12
Operating Cash Flow Less CapEx to Interest Expense		 1.56 0.71 1.01 0.97 0.00 1.20 0.65 0.64 0.94 0.87 1.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.00 0.00 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 8.23 8.28 8.37 0.00 0.00 8.16 8.26 8.54 8.69 9.05 9.25
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,942 1,787 1,685 0.00 1,714 1,631 1,613 1,696 1,711 1,729 1,581
Invested Capital Turnover		 0.26 0.24 0.28 0.00 0.00 0.22 0.23 0.45 0.23 0.24 0.26
Increase / (Decrease) in Invested Capital		 685 163 457 -1,213 -228 -156 -72 1,696 -3.41 99 -32
Enterprise Value (EV)		 1,474 1,491 1,383 0.00 1,716 1,405 1,401 1,497 1,480 1,594 1,340
Market Capitalization		 994 1,221 1,266 1,235 1,606 1,399 1,418 1,450 1,441 1,492 1,529
Book Value per Share		 $31.99 $33.57 $34.56 $0.00 $35.96 $36.08 $37.06 $37.71 $38.48 $38.30 $39.14
Tangible Book Value per Share		 $22.12 $23.69 $24.79 $0.00 $26.12 $26.24 $27.23 $27.90 $28.68 $28.47 $28.87
Total Capital		 1,942 1,787 1,685 0.00 1,714 1,631 1,613 1,696 1,711 1,729 1,581
Total Debt		 719 504 363 0.00 338 250 195 250 235 265 150
Total Long-Term Debt		 89 89 88 0.00 113 100 100 100 100 100 100
Net Debt		 480 270 117 0.00 110 5.49 -17 47 39 102 -189
Capital Expenditures (CapEx)		 2.24 1.29 0.53 0.85 0.00 0.86 1.73 1.19 0.60 1.25 0.97
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)		 719 504 363 0.00 338 250 195 250 235 265 150
Total Depreciation and Amortization (D&A)		 0.00 0.00 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		 $0.88 $0.97 $0.90 $0.00 $0.85 $0.86 $0.87 $0.83 $0.91 $0.90 $0.95
Adjusted Weighted Average Basic Shares Outstanding		 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
Adjusted Diluted Earnings per Share		 $0.87 $0.96 $0.89 $0.00 $0.85 $0.86 $0.87 $0.83 $0.91 $0.88 $0.94
Adjusted Weighted Average Diluted Shares Outstanding		 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
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		 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M 35.98M
Normalized Net Operating Profit after Tax (NOPAT)		 33 37 34 34 33 33 33 32 35 34 35
Normalized NOPAT Margin		 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26% 34.36%
Pre Tax Income Margin		 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29% 43.15%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.16 1.11 0.95 0.95 0.88 0.93 1.00 0.94 1.03 1.06 1.16
NOPAT to Interest Expense		 0.94 0.89 0.76 0.76 0.69 0.74 0.80 0.75 0.82 0.85 0.93
EBIT Less CapEx to Interest Expense		 1.10 1.08 0.94 0.93 0.00 0.91 0.96 0.92 1.02 1.03 1.14
NOPAT Less CapEx to Interest Expense		 0.88 0.86 0.75 0.74 0.00 0.72 0.76 0.73 0.81 0.81 0.90
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.23% 34.33% 35.84% 36.92% 0.00% 38.83% 38.50% 39.59% 39.20% 39.40% 39.17%
Augmented Payout Ratio		 46.63% 48.01% 50.07% 37.14% 0.00% 38.83% 38.51% 40.16% 39.81% 66.42% 102.40%

Financials Breakdown Chart

Key Financial Trends

S&T Bancorp (NASDAQ: STBA) showed a weaker first quarter in 2026 versus recent quarters, but the longer-term trend still reflects a profitable bank with solid deposit funding and consistent operating cash generation.

For Q1 2026, STBA reported net income of $35.1 million, or $0.94 per diluted share, down from $33.9 million and $0.88 in Q4 2025. Revenue also slipped sequentially to $102.1 million from $105.3 million, mainly because non-interest income was softer and credit costs were lower but not enough to offset higher operating pressure.

Over the past several years, the bank has remained profitable through a wide range of rate and funding conditions. However, the mix has shifted: loan growth has been steady, deposit balances have generally held up, and liquidity looks adequate, but earnings per share have been pressured by share repurchases and periodic swings in expense and provision levels.

  • Profitability remains intact: STBA earned $35.1 million in Q1 2026, extending a long run of quarterly profitability.
  • Operating cash flow was strong: The company generated $42.5 million in operating cash flow in Q1 2026, supporting dividends and buybacks.
  • Loan book is still sizable: Net loans and leases rose to $7.87 billion at March 31, 2026, indicating a large core earning asset base.
  • Deposit base remains a strength: Total deposits were about $8.18 billion, with $2.27 billion in non-interest-bearing deposits, which helps funding costs.
  • Interest income remains healthy: Net interest income was $88.4 million in Q1 2026, still the main driver of earnings.
  • Balance sheet is broadly stable: Total assets were $9.94 billion, only modestly above recent quarters, suggesting measured growth rather than aggressive expansion.
  • Capital returns continue: STBA paid a $0.36 quarterly dividend per share in Q1 2026 and repurchased $49.7 million of stock during the quarter.
  • Share count has come down over time: Diluted shares were 35.98 million in Q1 2026, down from about 38.26 million in Q3 2025, which can support EPS even if earnings are flat.
  • Quarterly earnings declined sequentially: Net income fell from $33.9 million in Q4 2025 to $35.1 million in Q1 2026, while EPS stayed near the recent range but below some earlier periods.
  • Net interest margin pressure is still visible: Interest expense remains significant, and deposit costs have climbed materially versus 2023, which can squeeze spreads.
  • Provision expense is still meaningful: STBA recorded a $1.3 million provision for credit losses in Q1 2026, after larger provisions in several prior quarters, showing continued caution around credit quality.
  • Non-interest income is uneven: Fee income and other non-interest revenue have been volatile quarter to quarter, making earnings less predictable.

Bottom line: STBA looks like a steady regional bank with good liquidity, solid deposit funding, and consistent profitability. The main issue is not losses, but rather slower earnings momentum, margin pressure, and somewhat choppy non-interest income. For investors, the stock’s appeal likely depends on whether management can keep credit costs contained while stabilizing net interest income and continuing capital returns.

06/14/26 09:41 PM ETAI Generated. May Contain Errors.

S&T Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, S&T Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

S&T Bancorp's net income appears to be on an upward trend, with a most recent value of $134.23 million in 2025, rising from $67.08 million in 2015. The previous period was $131.27 million in 2024. Check out S&T Bancorp's forecast to explore projected trends and price targets.

Over the last 10 years, S&T Bancorp's total revenue changed from $238.58 million in 2015 to $402.12 million in 2025, a change of 68.5%.

S&T Bancorp's total liabilities were at $8.41 billion at the end of 2025, a 1.6% increase from 2024, and a 52.1% increase since 2015.

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 $163.44 million as of their latest financial filing in 2025.

Over the last 10 years, S&T Bancorp's book value per share changed from 22.76 in 2015 to 38.30 in 2025, a change of 68.3%.


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Financial statements for NASDAQ:STBA last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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