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STBAS&T Bancorp, Inc.
$46.84$1.7B
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STBA logoS&T Bancorp, Inc.(STBA)Earnings, Financials & Key Ratios

STBA•NASDAQ•Banking & Credit
13.4× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutS&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.Show more
  • Net Interest Income$350M+4.9%
  • Total Revenue$569M+0.6%
  • Net Income$134M+2.3%
  • Return on Equity9.44%-4.2%
  • Net Interest Margin3.55%+2.6%
  • Efficiency Ratio39.89%+2.9%
  • ROA1.37%+0.6%
  • Equity / Assets14.83%+3.8%
  • Book Value per Share38.03+6.1%

STBA Key Insights

S&T Bancorp, Inc. (STBA) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 44.9%
  • ✓Strong NIM of 3.5%
  • ✓Efficient operations: 39.9% efficiency ratio
  • ✓13 consecutive years of dividend growth
  • ✓Well capitalized: 14.8% equity/assets
  • ✓Healthy dividend yield of 2.9%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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STBA Price & Volume

S&T Bancorp, Inc. (STBA) stock price & volume — 10-year historical chart

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STBA Growth Metrics

S&T Bancorp, Inc. (STBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.37%
5 Years8.38%
3 Years12.53%
TTM-

Profit CAGR

10 Years7.18%
5 Years44.86%
3 Years-0.32%
TTM2.26%

EPS CAGR

10 Years6.1%
5 Years45.78%
3 Years0.29%
TTM2.64%

Return on Capital

10 Years8.94%
5 Years9.08%
3 Years8.07%
Last Year2.94%

STBA Recent Earnings

S&T Bancorp, Inc. (STBA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.94+8.4%
$0.87
Rev
$102M-1.5%
$104M
Q2 2026
Apr 16, 2026
Metric
Actual
Est
EPS
$0.94+8.9%
$0.86
Rev
$102M-1.5%
$104M
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.86-3.4%
$0.89
Rev
$105M+1.8%
$103M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.89+0.0%
$0.89
Rev
$105M+1.8%
$103M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.94vs $0.87+8.4%
$102Mvs $104M-1.5%
Q2 2026Apr 16, 2026
$0.94vs $0.86+8.9%
$102Mvs $104M-1.5%
Q1 2026Jan 29, 2026
$0.86vs $0.89-3.4%
$105Mvs $103M+1.8%
Q1 2026Jan 22, 2026
$0.89vs $0.89+0.0%
$105Mvs $103M+1.8%
Based on last 12 quarters of dataView full earnings history →

STBA Peer Comparison

S&T Bancorp, Inc. (STBA) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FULT logoFULTFulton Financial CorporationDirect Competitor4.41B22.9011.015.03%20.7%11.6%0.37
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.91B74.1414.57-3.05%21.14%10.65%0.11
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
CNOB logoCNOBConnectOne Bancorp, Inc.Direct Competitor1.63B32.4521.9313.44%11.89%5.49%0.74
TRMK logoTRMKTrustmark CorporationDirect Competitor2.63B44.6712.0734.75%19.32%10.77%0.53
UVSP logoUVSPUnivest Financial CorporationDirect Competitor1.19B41.6413.183.58%17.51%9.82%0.37
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor205.47M21.3414.62-9.41%16.01%7.81%0.28
PFIS logoPFISPeoples Financial Services Corp.Product Competitor622.75M62.2410.5922.26%21.04%11.81%0.50

Compare STBA vs Peers

S&T Bancorp, Inc. (STBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FULT

Most directly comparable listed peer for STBA.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare STBA against a more recognizable public peer.

Peer Set

Compare Top 5

vs FULT, WSFS, NBTB, CNOB

STBA Income Statement

S&T Bancorp, Inc. (STBA) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
223.97M232.21M244.97M278.3M275.61M315.22M347.1M333.75M350.1M
NII Growth %
10.99%3.68%5.49%13.61%-0.97%14.37%10.11%-3.84%4.9%
Net Interest Margin %
3.17%3.2%2.79%3.1%2.9%3.46%3.63%3.46%3.55%
Interest Income
258.88M287.6M318.66M319.38M288.76M340.19M475.59M514.82M516.49M
Interest Expense
34.91M55.39M73.69M41.08M13.15M24.97M128.49M181.07M166.39M
Loan Loss Provision
13.88M14.99M14.87M131.42M16.21M8.37M17.89M133K7.42M
Non-Interest Income
57.23M49.53M54.38M60.84M65.2M58.82M59.93M50.14M52.02M
Non-Interest Income %
18.1%14.69%14.58%16%18.42%14.74%11.19%8.87%9.15%
Total Revenue
316.1M▲ 0%
337.13M▲ 6.7%
373.04M▲ 10.7%
380.21M▲ 1.9%
353.96M▼ 6.9%
399.01M▲ 12.7%
535.52M▲ 34.2%
564.96M▲ 5.5%
568.51M▲ 0.6%
Revenue Growth %
11.93%6.65%10.65%1.92%-6.9%12.73%34.21%5.5%0.63%
Non-Interest Expense
147.91M143.57M167.12M186.67M188.93M196.75M210.33M218.94M226.76M
Efficiency Ratio
46.79%42.59%44.8%49.1%53.38%49.31%39.28%38.75%39.89%
Operating Income
119.41M▲ 0%
123.18M▲ 3.2%
117.36M▼ 4.7%
21.04M▼ 82.1%
135.67M▲ 544.8%
168.93M▲ 24.5%
178.8M▲ 5.8%
164.82M▼ 7.8%
167.94M▲ 1.9%
Operating Margin %
37.77%36.54%31.46%5.53%38.33%42.34%33.39%29.17%29.54%
Operating Income Growth %
23.48%3.16%-4.72%-82.07%544.84%24.52%5.85%-7.82%1.89%
Pretax Income
119.41M▲ 0%
123.18M▲ 3.2%
117.36M▼ 4.7%
21.04M▼ 82.1%
135.67M▲ 544.8%
168.93M▲ 24.5%
178.8M▲ 5.8%
164.82M▼ 7.8%
167.94M▲ 1.9%
Pretax Margin %
37.77%36.54%31.46%5.53%38.33%42.34%33.39%29.17%29.54%
Income Tax
46.44M17.84M19.13M-1K25.32M33.41M34.02M33.55M33.71M
Effective Tax Rate %
38.89%14.49%16.3%-0%18.67%19.78%19.03%20.36%20.07%
Net Income
72.97M▲ 0%
105.33M▲ 44.4%
98.23M▼ 6.7%
21.04M▼ 78.6%
110.34M▲ 424.4%
135.52M▲ 22.8%
144.78M▲ 6.8%
131.26M▼ 9.3%
134.23M▲ 2.3%
Net Margin %
23.08%31.24%26.33%5.53%31.17%33.96%27.04%23.23%23.61%
Net Income Growth %
2.21%44.36%-6.74%-78.58%424.44%22.82%6.83%-9.34%2.26%
Net Income (Continuing)
72.97M105.33M98.23M21.04M110.34M135.52M144.78M131.26M134.23M
EPS (Diluted)
2.09▲ 0%
3.01▲ 44.0%
2.48▼ 17.6%
0.53▼ 78.6%
2.81▲ 430.2%
3.46▲ 23.1%
3.74▲ 8.1%
3.40▼ 9.1%
3.49▲ 2.6%
EPS Growth %
2.45%44.02%-17.61%-78.63%430.19%23.13%8.09%-9.09%2.65%
EPS (Basic)
2.103.032.480.542.813.473.783.433.48
Diluted Shares Outstanding
34.84M34.98M39.56M39.07M39.05M39.03M38.66M38.52M38.49M

STBA Balance Sheet

S&T Bancorp, Inc. (STBA) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
815.44M155.49M982.11M1B1.83B1.21B1.2B1.23B1.15B
Cash & Due from Banks
117.15M155.49M197.82M229.67M922.22M210.01M233.61M244.82M163.44M
Short Term Investments
698.29M0784.28M770.39M909.65M1B970.39M987.59M987.66M
Total Investments
6.41B6.57B7.86B7.9B7.81B8.09B8.52B8.63B8.97B
Investments Growth %
2.43%2.58%19.65%0.46%-1.1%3.48%5.32%1.33%3.92%
Long-Term Investments
5.71B6.57B7.08B7.13B6.9B7.08B7.55B7.64B7.98B
Accounts Receivables
000000000
Goodwill & Intangibles
295.35M290.05M382.54M382.1M380.32M378.8M377.48M376.48M375.68M
Goodwill
291.67M287.45M371.62M373.42M373.42M373.42M373.42M373.42M373.42M
Intangible Assets
3.68M2.6M10.92M8.68M6.89M5.38M4.06M3.06M2.25M
PP&E (Net)
42.7M41.73M56.94M55.61M52.63M49.28M49.01M45.03M0
Other Assets
197.22M192.06M262.88M400.05M319.63M387.05M375.51M362.58M-7.94B
Total Current Assets
815.44M155.49M982.11M1B1.83B1.21B1.2B1.23B1.15B
Total Non-Current Assets
6.24B7.1B7.78B7.96B7.66B7.9B8.35B8.43B419.53M
Total Assets
7.06B▲ 0%
7.25B▲ 2.7%
8.76B▲ 20.9%
8.97B▲ 2.3%
9.49B▲ 5.8%
9.11B▼ 4.0%
9.55B▲ 4.8%
9.66B▲ 1.1%
9.87B▲ 2.2%
Asset Growth %
1.69%2.72%20.85%2.32%5.81%-3.98%4.84%1.11%2.21%
Return on Assets (ROA)
1.04%1.47%1.23%0.24%1.2%1.46%1.55%1.37%1.37%
Accounts Payable
000000000
Total Debt
683.08M604.32M416.35M227.93M161.31M439.19M503.63M250.31M310.95M
Net Debt
565.93M448.83M218.53M-1.74M-760.9M229.19M270.02M5.49M147.51M
Long-Term Debt
92.92M115.93M115.14M87.76M76.82M69.19M88.64M100.31M50.21M
Short-Term Debt
590.16M488.38M301.21M140.16M84.49M370M415M150M220.09M
Other Liabilities
65.25M38.22M119.72M164.72M124.24M266.74M242.68M244.25M8.1B
Total Current Liabilities
6.02B6.16B7.34B7.56B8.08B7.59B7.94B7.93B165M
Total Non-Current Liabilities
158.17M154.16M234.87M252.49M201.06M335.94M331.31M344.56M8.24B
Total Liabilities
6.18B6.32B7.57B7.81B8.28B7.93B8.27B8.28B8.41B
Total Equity
884.03M▲ 0%
935.76M▲ 5.9%
1.19B▲ 27.4%
1.15B▼ 3.1%
1.21B▲ 4.5%
1.18B▼ 1.8%
1.28B▲ 8.3%
1.38B▲ 7.5%
1.46B▲ 6.1%
Equity Growth %
5%5.85%27.38%-3.13%4.48%-1.81%8.34%7.55%6.06%
Equity / Assets (Capital Ratio)
12.52%12.9%13.6%12.88%12.71%13%13.44%14.29%14.83%
Return on Equity (ROE)
8.46%11.58%9.23%1.79%9.35%11.34%11.73%9.86%9.44%
Book Value per Share
25.3726.7630.1329.5530.8930.3533.2035.8338.03
Tangible BV per Share
16.8918.4620.4619.7821.1520.6523.4426.0628.27
Common Stock
90.33M90.33M103.62M103.62M103.62M103.62M103.62M103.62M103.62M
Additional Paid-in Capital
216.11M210.34M399.94M400.67M403.1M406.28M409.03M411.79M412.97M
Retained Earnings
628.11M701.82M761.08M710.06M773.66M863.95M959.6M1.04B1.12B
Accumulated OCI
-18.43M-23.11M-11.67M8.97M-7.09M-112.13M-90.9M-76.99M-41.71M
Treasury Stock
-32.08M-43.62M-60.98M-68.61M-66.83M-77.07M-97.92M-97.16M-131.31M
Preferred Stock
000000000

STBA Cash Flow Statement

S&T Bancorp, Inc. (STBA) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
114.24M128.02M138.42M51.55M214.85M240.53M171.75M173.37M133.62M
Operating CF Growth %
18.01%12.06%8.13%-62.76%316.77%11.95%-28.59%0.94%-22.93%
Net Income
72.97M105.33M98.23M21.04M110.34M135.52M144.78M131.26M134.23M
Depreciation & Amortization
2.5M7.3M11.72M12.07M11.48M9.03M7.52M10.87M7.11M
Deferred Taxes
13.83M3.51M-381K-4.4M2.38M-2.93M601K-296K175K
Other Non-Cash Items
12.62M-2.14M16.19M122.37M38.48M12.68M18.42M11.31M8.68M
Working Capital Changes
9.31M12.12M10.22M-100.24M49.73M83.04M-3.45M15.6M-21.92M
Cash from Investing
-212.41M-201.96M-210.56M-159.2M13.24M-398.68M-444.22M-118.29M-314.8M
Purchase of Investments
-156.84M-92.6M-129.97M-178.39M-313.62M-401.14M-111.97M-325.03M-142.39M
Sale/Maturity of Investments
146.76M89.83M152.35M206.96M146.82M191.32M147.71M296.01M47.04M
Net Investment Activity
-10.08M-2.76M22.37M28.57M-166.79M-209.82M35.74M-29.02M-95.35M
Acquisitions
4.4M4.54M63.76M000000
Other Investing
-202.04M-199.57M-291.54M-182.35M183.65M-184.99M-473.74M-86.27M-219.45M
Cash from Financing
75.84M112.28M114.47M139.49M464.46M-554.05M296.07M-43.87M99.8M
Dividends Paid
-28.57M-34.54M-37.36M-43.95M-44.33M-46.95M-49.71M-50.97M-52.89M
Share Repurchases
-689K-12.91M-19.14M-13.15M-630K-8.45M-20.61M-870K-37.95M
Stock Issued
000000000
Net Stock Activity
-689K-12.91M-19.14M-13.15M-630K-8.45M-20.61M-870K-37.95M
Debt Issuance (Net)
-1000K-1000K-1000K-1000K-1000K1000K1000K-1000K1000K
Other Financing
192.51M206.72M396.9M430.1M576.09M-776.48M301.85M261.36M175.71M
Net Change in Cash
-22.33M▲ 0%
38.34M▲ 271.7%
42.33M▲ 10.4%
31.84M▼ 24.8%
692.55M▲ 2074.9%
-712.21M▼ 202.8%
23.6M▲ 103.3%
11.21M▼ 52.5%
-81.38M▼ 826.1%
Exchange Rate Effect
000000000
Cash at Beginning
139.49M117.15M155.49M197.82M229.67M922.22M210.01M233.61M244.82M
Cash at End
117.15M155.49M197.82M229.67M922.22M210.01M233.61M244.82M163.44M
Interest Paid
33.59M53.03M75.28M44.35M15.24M22.07M111.3M176.07M171.68M
Income Taxes Paid
33.81M15.73M14.66M6.23M24.21M31.18M36.89M29.73M26.29M
Free Cash Flow
109.54M▲ 0%
123.84M▲ 13.1%
133.27M▲ 7.6%
46.14M▼ 65.4%
211.24M▲ 357.9%
236.57M▲ 12.0%
165.53M▼ 30.0%
170.37M▲ 2.9%
128.85M▼ 24.4%
FCF Growth %
17.49%13.06%7.61%-65.38%357.87%11.99%-30.03%2.93%-24.37%

STBA Banking Ratios

S&T Bancorp, Inc. (STBA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
8.74%8.46%11.58%9.23%1.79%9.35%11.34%11.73%9.86%9.44%
Return on Assets (ROA)
1.08%1.04%1.47%1.23%0.24%1.2%1.46%1.55%1.37%1.37%
Net Interest Margin
2.91%3.17%3.2%2.79%3.1%2.9%3.46%3.63%3.46%3.55%
Efficiency Ratio
50.72%46.79%42.59%44.8%49.1%53.38%49.31%39.28%38.75%39.89%
Equity / Assets
12.13%12.52%12.9%13.6%12.88%12.71%13%13.44%14.29%14.83%
Book Value / Share
24.1225.3726.7630.1329.5530.8930.3533.235.8338.03
NII Growth
8.63%10.99%3.68%5.49%13.61%-0.97%14.37%10.11%-3.84%4.9%
Dividend Payout
37.52%39.15%32.79%38.03%208.88%40.17%34.65%34.33%38.83%39.4%
Related:STBA Dividend History·STBA Revenue History·STBA Price History·STBA P/E History·STBA Financial Ratios·STBA Institutional Holders

STBA SEC Filings & Documents

S&T Bancorp, Inc. (STBA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 7, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

STBA Frequently Asked Questions

S&T Bancorp, Inc. (STBA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

S&T Bancorp, Inc. (STBA) grew revenue by 0.6% over the past year. Growth has been modest.

Yes, S&T Bancorp, Inc. (STBA) is profitable, generating $134.2M in net income for fiscal year 2025 (23.6% net margin).

Dividend & Returns

Yes, S&T Bancorp, Inc. (STBA) pays a dividend with a yield of 2.93%. This makes it attractive for income-focused investors.

S&T Bancorp, Inc. (STBA) has a return on equity (ROE) of 9.4%. This is below average, suggesting room for improvement.

Industry Metrics

S&T Bancorp, Inc. (STBA) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

S&T Bancorp, Inc. (STBA) has an efficiency ratio of 39.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in STBA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in STBA be worth today?

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