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S&T Bancorp (STBA) Financials

S&T Bancorp logo
$44.84 +1.01 (+2.30%)
As of 03:28 PM Eastern
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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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 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
Net Income / (Loss) Attributable to Common Shareholders		 34 33 37 31 34 33 33 33 32 35 34
Consolidated Net Income / (Loss)		 34 33 37 31 34 33 33 33 32 35 34
Net Income / (Loss) Continuing Operations		 34 33 37 31 34 33 33 33 32 35 34
Total Pre-Tax Income 		42 41 46 39 43 41 41 42 40 44 42
Total Revenue		 102 100 103 96 97 96 94 94 100 103 105
Net Interest Income / (Expense)		 88 87 85 83 84 84 83 83 87 89 91
Total Interest Income		 117 123 127 128 129 131 128 125 129 132 131
Loans and Leases Interest Income		 109 114 117 119 120 121 117 114 118 120 120
Investment Securities Interest Income		 8.63 8.70 9.26 9.18 9.20 11 11 11 11 11 11
Total Interest Expense		 29 36 42 44 45 47 45 42 42 42 40
Deposits Interest Expense		 20 25 33 37 40 42 41 38 39 40 37
Long-Term Debt Interest Expense		 9.11 11 8.68 7.62 5.54 4.50 3.99 3.17 3.28 2.52 2.86
Total Non-Interest Income		 14 12 18 13 13 12 11 10 14 14 14
Other Service Charges		 2.43 0.43 6.34 1.72 4.66 2.14 1.71 1.49 1.78 1.75 2.12
Other Non-Interest Income		 12 12 12 11 12 12 12 11 12 12 12
Provision for Credit Losses		 11 5.50 0.94 2.63 0.42 -0.45 -2.46 -3.04 1.97 2.79 5.70
Total Non-Interest Expense		 50 53 56 55 54 55 55 55 58 56 57
Salaries and Employee Benefits		 25 28 31 30 30 31 31 30 33 32 33
Net Occupancy & Equipment Expense		 11 11 12 12 11 12 12 13 12 12 12
Marketing Expense		 1.46 1.74 1.44 1.94 1.40 1.38 1.62 1.62 1.49 1.26 1.55
Property & Liability Insurance Claims		 1.03 1.03 1.05 1.05 1.05 1.05 1.05 1.04 1.06 1.07 1.06
Other Operating Expenses		 11 11 11 9.72 9.52 9.41 9.57 9.87 10 9.73 9.47
Income Tax Expense		 7.69 7.80 8.98 7.92 8.50 8.85 8.28 8.30 8.08 8.87 8.45
Basic Earnings per Share		 $0.89 $0.88 $0.97 $0.82 $0.90 $0.85 $0.86 $0.87 $0.83 $0.91 $0.90
Weighted Average Basic Shares Outstanding		 38.24M 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M
Diluted Earnings per Share		 $0.89 $0.87 $0.96 $0.81 $0.89 $0.85 $0.86 $0.87 $0.83 $0.91 $0.88
Weighted Average Diluted Shares Outstanding		 38.24M 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M
Weighted Average Basic & Diluted Shares Outstanding		 38.24M 38.23M 38.23M 38.26M - 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M
Cash Dividends to Common per Share		 $0.32 $0.32 $0.33 $0.33 $0.33 $0.33 $0.34 $0.34 $0.34 $0.34 $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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 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
Net Change in Cash & Equivalents		 -55 -47 136 -73 -5.90 -46 135 -62 -37 -47 65
Net Cash From Operating Activities		 39 58 31 46 45 28 55 29 28 40 36
Net Cash From Continuing Operating Activities		 - - 172 0.00 - - 173 0.00 - - 134
Net Income / (Loss) Continuing Operations		 - - 145 0.00 - - 131 0.00 - - 134
Net Cash From Investing Activities		 -70 -211 -107 -8.34 -62 17 -65 -103 -105 -20 -86
Net Cash From Continuing Investing Activities		 -70 -211 -107 -8.34 -62 17 -65 -103 -105 -20 -86
Purchase of Property, Leasehold Improvements and Equipment		 -1.25 -2.23 -1.30 -0.53 -0.85 -0.70 -0.86 -1.73 -1.19 -0.60 -1.25
Purchase of Investment Securities		 -110 -244 -168 -56 -135 -91 -154 -180 -130 -59 -140
Sale and/or Maturity of Investments		 40 35 63 48 73 109 89 79 26 39 56
Net Cash From Financing Activities		 15 164 71 -64 56 -63 27 42 68 -27 17
Net Cash From Continuing Financing Activities		 15 164 71 -64 56 -63 27 42 68 -27 17
Net Change in Deposits		 -12 82 299 79 80 -25 128 110 28 1.02 37
Issuance of Debt		 60 100 -215 - - - -50 - - - 15
Repayment of Debt		 -0.12 -5.12 -0.12 -130 -10 -50 -38 -55 55 -15 15
Repurchase of Common Equity		 -20 -0.04 0.52 -0.04 -0.74 -0.07 0.85 -0.04 -1.50 -0.13 -35
Payment of Dividends		 -12 -12 -13 -13 -13 -13 -13 -13 -13 -13 -14
Cash Interest Paid		 23 34 36 41 42 43 51 44 42 45 41

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

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 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
DEI Shares Outstanding		 - - - - - - 38,259,730.00 - - - 38,222,500.00
DEI Adjusted Shares Outstanding		 - - - - - - 38,259,730.00 - - - 38,222,500.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.86 - - - 0.89
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 16.50% 1.02% -1.46% -4.98% -5.29% -3.23% -8.57% -2.65% 3.27% 6.90% 11.62%
EBITDA Growth		 16.45% -11.11% -8.41% -13.15% 1.70% 0.42% -10.16% 6.49% -6.73% 5.77% 2.60%
EBIT Growth		 16.45% -11.11% -8.41% -13.15% 1.70% 0.42% -10.16% 6.49% -6.73% 5.77% 2.60%
NOPAT Growth		 19.44% -10.15% -8.00% -13.64% -0.28% -2.62% -10.75% 6.92% -7.19% 7.28% 2.73%
Net Income Growth		 19.44% -10.15% -8.00% -13.64% -0.28% -2.62% -10.75% 6.92% -7.19% 7.28% 2.73%
EPS Growth		 20.27% -8.42% -6.80% -12.75% 0.00% -2.30% -10.42% 7.41% -6.74% 7.06% 2.33%
Operating Cash Flow Growth		 -41.84% 11.34% -12.51% 4.80% 15.34% 0.00% 76.87% -38.13% -36.79% 46.51% -33.80%
Free Cash Flow Firm Growth		 664.88% -562.38% 66.54% -394.27% 978.52% 140.02% 250.21% 124.64% -233.41% -85.28% -134.08%
Invested Capital Growth		 -6.27% 54.46% 10.05% 37.23% 0.00% -11.74% -8.76% -4.25% 0.00% -0.20% 6.04%
Revenue Q/Q Growth		 0.33% -2.69% 3.62% -6.07% 0.61% 0.00% -2.10% 0.00% 6.74% 2.93% 2.22%
EBITDA Q/Q Growth		 -14.60% -2.10% 11.52% -6.86% 9.47% 0.00% -0.23% 0.00% -4.12% 9.63% -3.23%
EBIT Q/Q Growth		 -14.60% -2.10% 11.52% -6.86% 9.47% 0.00% -0.23% 0.00% -4.12% 9.63% -3.23%
NOPAT Q/Q Growth		 -13.40% -2.90% 10.69% -7.22% 10.03% 0.00% 1.46% 0.00% -4.49% 9.60% -2.85%
Net Income Q/Q Growth		 -13.40% -2.90% 10.69% -7.22% 10.03% 0.00% 1.46% 0.00% -4.49% 9.60% -2.85%
EPS Q/Q Growth		 -12.75% -2.25% 10.34% -7.29% 9.88% 0.00% 1.18% 0.00% -4.60% 9.64% -3.30%
Operating Cash Flow Q/Q Growth		 -12.34% 49.06% -46.61% 16.88% -3.52% 0.00% 97.61% -47.63% -1.42% 43.15% -10.71%
Free Cash Flow Firm Q/Q Growth		 -19.49% -663.23% 80.63% -235.00% 392.89% 0.00% -27.29% 0.00% -1,685.83% 102.31% -268.35%
Invested Capital Q/Q Growth		 -1.22% 60.14% -7.99% -5.72% -100.00% 0.00% -4.87% 0.00% 5.11% 0.88% 1.08%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.20% 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29%
EBIT Margin		 41.20% 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29%
Profit (Net Income) Margin		 33.69% 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26%
Tax Burden Percent		 81.77% 81.10% 80.50% 80.18% 80.18% 78.64% 79.97% 80.10% 79.78% 79.76% 80.08%
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		 18.23% 18.90% 19.51% 19.82% 19.82% 21.36% 20.03% 19.90% 20.22% 20.24% 19.93%
Return on Invested Capital (ROIC)		 10.95% 8.58% 8.57% 9.79% 0.00% 0.00% 7.87% 8.24% 14.46% 7.75% 7.72%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.95% 8.58% 8.57% 9.79% 0.00% 0.00% 7.87% 8.24% 14.46% 7.75% 7.72%
Return on Net Nonoperating Assets (RNNOA)		 0.53% 2.97% 3.27% 1.40% 0.00% 0.00% 2.23% 1.68% 2.50% 1.56% 1.40%
Return on Equity (ROE)		 11.48% 11.56% 11.84% 11.19% 0.00% 0.00% 10.10% 9.92% 16.96% 9.31% 9.12%
Cash Return on Invested Capital (CROIC)		 18.59% -33.55% -1.08% -21.82% 0.00% 0.00% 16.84% 12.43% -184.56% 7.98% 2.12%
Operating Return on Assets (OROA)		 1.83% 1.84% 1.95% 1.89% 0.00% 0.00% 1.75% 1.75% 1.57% 1.72% 1.66%
Return on Assets (ROA)		 1.50% 1.49% 1.57% 1.51% 0.00% 0.00% 1.40% 1.40% 1.25% 1.37% 1.33%
Return on Common Equity (ROCE)		 11.48% 11.56% 11.84% 11.19% 0.00% 0.00% 10.10% 9.92% 16.96% 9.31% 9.12%
Return on Equity Simple (ROE_SIMPLE)		 12.51% 12.10% 0.00% 10.55% 0.00% 0.00% 0.00% 9.41% 9.06% 9.04% 0.00%
Net Operating Profit after Tax (NOPAT)		 34 33 37 34 34 33 33 33 32 35 34
NOPAT Margin		 33.69% 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26%
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		 37.07% 40.71% 42.88% 44.42% 44.42% 46.60% 47.52% 47.13% 46.59% 44.25% 44.30%
Operating Expenses to Revenue		 48.51% 53.03% 54.48% 55.32% 55.32% 57.46% 58.78% 58.76% 58.07% 54.73% 54.30%
Earnings before Interest and Taxes (EBIT)		 42 41 46 43 43 41 41 42 40 44 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 42 41 46 43 43 41 41 42 40 44 42
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.83 0.81 0.95 0.96 0.00 1.17 1.01 1.00 1.00 0.98 1.02
Price to Tangible Book Value (P/TBV)		 1.21 1.18 1.35 1.34 0.00 1.61 1.39 1.36 1.36 1.31 1.37
Price to Revenue (P/Rev)		 2.47 2.43 3.00 3.15 3.12 0.00 3.65 3.72 3.77 3.69 3.71
Price to Earnings (P/E)		 6.63 6.71 8.43 9.09 9.07 0.00 10.66 10.62 11.07 10.81 11.11
Dividend Yield		 4.84% 4.89% 4.04% 3.96% 4.06% 3.15% 3.64% 3.62% 3.57% 3.62% 3.54%
Earnings Yield		 15.08% 14.89% 11.86% 11.01% 11.03% 0.00% 9.38% 9.41% 9.03% 9.25% 9.00%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.76 0.83 0.82 0.00 1.00 0.86 0.87 0.88 0.87 0.92
Enterprise Value to Revenue (EV/Rev)		 1.91 3.61 3.66 3.44 0.00 0.00 3.66 3.67 3.89 3.78 3.96
Enterprise Value to EBITDA (EV/EBITDA)		 4.14 8.05 7.81 8.03 0.00 0.00 7.87 8.37 9.10 8.87 9.10
Enterprise Value to EBIT (EV/EBIT)		 4.14 8.05 8.34 8.03 0.00 0.00 8.52 8.37 9.10 8.87 9.49
Enterprise Value to NOPAT (EV/NOPAT)		 5.13 9.96 10.30 9.93 0.00 0.00 10.70 10.50 11.43 11.10 11.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.57 8.37 8.68 7.96 0.00 11.48 8.10 9.00 10.75 9.74 11.93
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.34 0.00 0.00 0.00 0.00 0.00 4.88 6.84 0.00 10.83 44.68
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.59 0.39 0.28 0.00 0.25 0.18 0.14 0.17 0.16 0.18
Long-Term Debt to Equity		 0.00 0.07 0.07 0.07 0.00 0.08 0.07 0.07 0.07 0.07 0.07
Financial Leverage		 0.05 0.35 0.38 0.14 0.00 0.41 0.28 0.20 0.17 0.20 0.18
Leverage Ratio		 7.68 7.74 7.56 7.39 0.00 7.33 7.21 7.06 6.79 6.80 6.87
Compound Leverage Factor		 7.68 7.74 7.56 7.39 0.00 7.33 7.21 7.06 6.79 6.80 6.87
Debt to Total Capital		 0.00% 37.01% 28.18% 21.57% 0.00% 19.74% 15.35% 12.11% 14.76% 13.75% 15.34%
Short-Term Debt to Total Capital		 0.00% 32.44% 23.22% 16.32% 0.00% 13.13% 9.20% 5.89% 8.85% 7.89% 9.54%
Long-Term Debt to Total Capital		 0.00% 4.57% 4.96% 5.25% 0.00% 6.62% 6.15% 6.22% 5.91% 5.86% 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		 100.00% 62.99% 71.82% 78.43% 0.00% 80.26% 84.65% 87.89% 85.24% 86.25% 84.66%
Debt to EBITDA		 0.00 3.93 2.64 2.11 0.00 0.00 1.40 1.17 1.52 1.41 1.52
Net Debt to EBITDA		 0.00 2.62 1.41 0.68 0.00 0.00 0.03 -0.10 0.29 0.23 0.58
Long-Term Debt to EBITDA		 0.00 0.48 0.46 0.51 0.00 0.00 0.56 0.60 0.61 0.60 0.57
Debt to NOPAT		 0.00 4.86 3.48 2.61 0.00 0.00 1.91 1.46 1.91 1.76 1.98
Net Debt to NOPAT		 0.00 3.25 1.87 0.84 0.00 0.00 0.04 -0.12 0.36 0.29 0.76
Long-Term Debt to NOPAT		 0.00 0.60 0.61 0.63 0.00 0.00 0.76 0.75 0.77 0.75 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)		 116 -651 -126 -423 1,247 261 190 105 -1,664 38 -65
Operating Cash Flow to CapEx		 6,465.50% 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%
Free Cash Flow to Firm to Interest Expense		 3.96 -18.31 -3.03 -9.36 27.61 5.55 4.25 2.53 -39.30 0.91 -1.61
Operating Cash Flow to Interest Expense		 1.33 1.63 0.74 1.03 0.99 0.00 1.22 0.69 0.67 0.96 0.90
Operating Cash Flow Less CapEx to Interest Expense		 1.31 1.56 0.71 1.01 0.97 0.00 1.20 0.65 0.64 0.94 0.87
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.00 0.00 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 8.17 8.23 8.28 8.37 0.00 0.00 8.16 8.26 8.54 8.69 9.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,213 1,942 1,787 1,685 0.00 1,714 1,631 1,613 1,696 1,711 1,729
Invested Capital Turnover		 0.33 0.26 0.24 0.28 0.00 0.00 0.22 0.23 0.45 0.23 0.24
Increase / (Decrease) in Invested Capital		 -81 685 163 457 -1,213 -228 -156 -72 1,696 -3.41 99
Enterprise Value (EV)		 779 1,474 1,491 1,383 0.00 1,716 1,405 1,401 1,497 1,480 1,594
Market Capitalization		 1,006 994 1,221 1,266 1,235 1,606 1,399 1,418 1,450 1,441 1,492
Book Value per Share		 $31.13 $31.99 $33.57 $34.56 $0.00 $35.96 $36.08 $37.06 $37.71 $38.48 $38.30
Tangible Book Value per Share		 $21.42 $22.12 $23.69 $24.79 $0.00 $26.12 $26.24 $27.23 $27.90 $28.68 $28.47
Total Capital		 1,213 1,942 1,787 1,685 0.00 1,714 1,631 1,613 1,696 1,711 1,729
Total Debt		 0.00 719 504 363 0.00 338 250 195 250 235 265
Total Long-Term Debt		 0.00 89 89 88 0.00 113 100 100 100 100 100
Net Debt		 -228 480 270 117 0.00 110 5.49 -17 47 39 102
Capital Expenditures (CapEx)		 0.60 2.24 1.29 0.53 0.85 0.00 0.86 1.73 1.19 0.60 1.25
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)		 0.00 719 504 363 0.00 338 250 195 250 235 265
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		 $0.89 $0.88 $0.97 $0.90 $0.00 $0.85 $0.86 $0.87 $0.83 $0.91 $0.90
Adjusted Weighted Average Basic Shares Outstanding		 38.24M 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M
Adjusted Diluted Earnings per Share		 $0.89 $0.87 $0.96 $0.89 $0.00 $0.85 $0.86 $0.87 $0.83 $0.91 $0.88
Adjusted Weighted Average Diluted Shares Outstanding		 38.24M 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 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		 38.24M 38.23M 38.23M 38.26M 0.00 38.26M 38.26M 38.33M 38.35M 38.22M 36.55M
Normalized Net Operating Profit after Tax (NOPAT)		 34 33 37 34 34 33 33 33 32 35 34
Normalized NOPAT Margin		 33.69% 33.61% 35.91% 35.47% 35.47% 33.82% 35.05% 35.63% 31.88% 33.94% 32.26%
Pre Tax Income Margin		 41.20% 41.45% 44.61% 44.24% 44.24% 43.01% 43.83% 44.48% 39.96% 42.56% 40.29%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.44 1.16 1.11 0.95 0.95 0.88 0.93 1.00 0.94 1.03 1.06
NOPAT to Interest Expense		 1.18 0.94 0.89 0.76 0.76 0.69 0.74 0.80 0.75 0.82 0.85
EBIT Less CapEx to Interest Expense		 1.42 1.10 1.08 0.94 0.93 0.00 0.91 0.96 0.92 1.02 1.03
NOPAT Less CapEx to Interest Expense		 1.16 0.88 0.86 0.75 0.74 0.00 0.72 0.76 0.73 0.81 0.81
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.01% 33.23% 34.33% 35.84% 36.92% 0.00% 38.83% 38.50% 39.59% 39.20% 39.40%
Augmented Payout Ratio		 47.67% 46.63% 48.01% 50.07% 37.14% 0.00% 38.83% 38.51% 40.16% 39.81% 66.42%

Financials Breakdown Chart

Key Financial Trends

Below is a concise, reader-friendly take on S&T Bancorp (STBA) using the last four years of quarterly data provided. The focus is on identifying trends in profitability, capital, liquidity, and credit quality that might influence a retail investor’s view of the stock.

  • Stronger net interest income in late 2025. Net Interest Income (NII) reached about $90.96 million in Q4 2025, up from roughly $83.26 million in Q4 2024, signaling a favorable tilt in the bank’s core lending and funding spread.
  • Positive Total revenue trended higher through 2025. Q4 2025 total revenue was about $105.29 million, a notable rise from about $94.33 million in Q4 2024, as non-interest and interest income components contributed to a stronger top line.
  • Consistent earnings per share around the low-to-mid $0.90s. Diluted EPS in Q4 2025 was $0.88, with trailing quarters in the $0.83–0.91 range, indicating steady profitability per share.
  • Regular dividend payout supports income-focused investors. Cash dividends per share stood at $0.34–$0.36 across 2025, reflecting a predictable capital return policy.
  • Solid and stable funding base. Deposits totaled about $7.92 billion in Q3 2025 (Non-Interest Bearing Deposits around $2.19B and Interest Bearing Deposits around $5.73B), providing a strong and stable funding cushion.
  • Capital position remains solid but modest in size. Total common equity hovered around $1.45–$1.50 billion through 2025, indicating a stable capital base relative to ~\$9–10B in assets.
  • Earnings power with steady quarterly net income from continuing operations. Net income from continuing operations generally in the low-to-mid \$30 millions per quarter in 2025, supporting ongoing profitability.
  • Operating and non-interest expenses remain well-managed. Non-interest expenses typically run in the \$56–\$58 million range per quarter, suggesting cost discipline amidst growth in revenue.
  • Credit provisioning modest but variable, a potential watch item. Provision for credit losses fluctuated quarterly (e.g., around \$2–\$6 million in 2025), which could reflect periodic adjustments to credit quality or reserve adequacy.
  • Cash flow volatility over quarterly periods. Net change in cash and equivalents has shown notable quarterly swings (e.g., negative in some quarters, positive in others), with a year-end extension in cash at times but recurring volatility that may affect near-term liquidity planning.
05/05/26 03:29 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About S&T Bancorp's Financials

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

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

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 $134.23 million in 2025, rising from $67.08 million in 2015. The previous period was $131.27 million in 2024. See S&T Bancorp's forecast for analyst expectations on what’s next for the company.

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

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

How much debt does S&T Bancorp have?

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.

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

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 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 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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