S&T Bancorp, Inc. (STBA) 10-Year Financial Performance & Capital Metrics

STBA • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

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 $334M -3.8%
Total Revenue $565M +5.5%
Net Income $131M -9.3%
Return on Equity 9.86% -16.0%
Net Interest Margin 3.46% -4.9%
Efficiency Ratio 38.75% -1.3%
ROA 1.37% -11.9%
Equity / Assets 14.29% +6.4%
Book Value per Share 35.83 +7.9%
Tangible BV/Share 26.06 +11.2%
Debt/Equity 0.18 -53.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 38.8% efficiency ratio
✓Well capitalized: 14.3% equity/assets
✓Healthy dividend yield of 3.2%
✓Trading near 52-week high
✓Trading at only 1.1x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y10.57%

5Y8.66%

3Y16.87%

TTM-

Profit (Net Income) CAGR

10Y8.53%

5Y5.97%

3Y5.96%

TTM29.92%

EPS CAGR

10Y5.77%

5Y6.51%

3Y6.56%

TTM-1.14%

ROCE

10Y Avg9.69%

5Y Avg8.79%

3Y Avg10.94%

Latest9.87%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	185.76M	201.78M	223.97M	232.21M	244.97M	278.3M	275.61M	315.22M	347.1M	333.75M
NII Growth %	0.26%	0.09%	0.11%	0.04%	0.05%	0.14%	-0.01%	0.14%	0.1%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	201.76M	226.3M	258.88M	287.6M	318.66M	319.38M	288.76M	340.19M	475.59M	514.82M
Interest Expense	16M	24.52M	34.91M	55.39M	73.69M	41.08M	13.15M	24.97M	128.49M	181.07M
Loan Loss Provision	10.39M	17.96M	13.88M	14.99M	14.87M	131.42M	16.21M	8.37M	17.89M	133K
Non-Interest Income+	52.82M	56.11M	57.23M	49.53M	54.38M	60.84M	65.2M	58.82M	59.93M	50.14M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	254.58M	282.41M	316.1M	337.13M	373.04M	380.21M	353.96M	399.01M	535.52M	564.96M
Revenue Growth %	0.23%	0.11%	0.12%	0.07%	0.11%	0.02%	-0.07%	0.13%	0.34%	0.05%
Non-Interest Expense	136.72M	143.23M	147.91M	143.57M	167.12M	186.67M	188.93M	196.75M	210.33M	218.94M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	91.48M	96.7M	119.41M	123.18M	117.36M	21.04M	135.67M	168.93M	178.8M	164.82M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.21%	0.06%	0.23%	0.03%	-0.05%	-0.82%	5.45%	0.25%	0.06%	-0.08%
Pretax Income+	91.48M	96.7M	119.41M	123.18M	117.36M	21.04M	135.67M	168.93M	178.8M	164.82M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	24.4M	25.3M	46.44M	17.84M	19.13M	-1K	25.32M	33.41M	34.02M	33.55M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	67.08M	71.39M	72.97M	105.33M	98.23M	21.04M	110.34M	135.52M	144.78M	131.26M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.16%	0.06%	0.02%	0.44%	-0.07%	-0.79%	4.24%	0.23%	0.07%	-0.09%
Net Income (Continuing)	67.08M	71.39M	72.97M	105.33M	98.23M	21.04M	110.34M	135.52M	144.78M	131.26M
EPS (Diluted)+	1.93	2.04	2.09	3.01	2.48	0.53	2.81	3.46	3.74	3.40
EPS Growth %	-0.01%	0.06%	0.02%	0.44%	-0.18%	-0.79%	4.3%	0.23%	0.08%	-0.09%
EPS (Basic)	1.93	2.04	2.10	3.03	2.48	0.54	2.81	3.47	3.78	3.43
Diluted Shares Outstanding	34.81M	34.91M	34.84M	34.98M	39.56M	39.07M	39.05M	39.03M	38.66M	38.52M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	99.4M	139.49M	117.15M	155.49M	197.82M	229.67M	922.22M	210.01M	233.61M	244.82M
Short Term Investments	1000K	1000K	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	5.68B	6.26B	6.41B	6.57B	7.86B	7.9B	7.81B	8.09B	8.52B	8.63B
Investments Growth %	0.27%	0.1%	0.02%	0.03%	0.2%	0%	-0.01%	0.03%	0.05%	0.01%
Long-Term Investments	5.01B	5.56B	5.71B	6.57B	7.08B	7.13B	6.9B	7.08B	7.55B	7.64B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	291.76M	291.67M	291.67M	287.45M	371.62M	373.42M	373.42M	373.42M	373.42M	373.42M
Intangible Assets	6.53M	4.91M	3.68M	2.6M	10.92M	8.68M	6.89M	5.38M	4.06M	3.06M
PP&E (Net)	49.13M	45M	42.7M	41.73M	56.94M	55.61M	52.63M	49.28M	49.01M	45.03M
Other Assets	195.79M	206.06M	197.22M	192.06M	262.88M	400.05M	319.63M	387.05M	375.51M	362.58M
Total Current Assets	760.36M	832.97M	815.44M	155.49M	982.11M	1B	1.83B	1.21B	1.2B	1.23B
Total Non-Current Assets	5.56B	6.11B	6.24B	7.1B	7.78B	7.96B	7.66B	7.9B	8.35B	8.43B
Total Assets+	6.32B	6.94B	7.06B	7.25B	8.76B	8.97B	9.49B	9.11B	9.55B	9.66B
Asset Growth %	0.27%	0.1%	0.02%	0.03%	0.21%	0.02%	0.06%	-0.04%	0.05%	0.01%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0.01%	0.01%	0.02%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	580.75M	771.16M	683.08M	604.32M	416.35M	227.93M	161.31M	439.19M	503.63M	250.31M
Net Debt	481.35M	631.68M	565.93M	448.83M	218.53M	-1.74M	-760.9M	229.19M	270.02M	5.49M
Long-Term Debt	162.66M	60.33M	92.92M	115.93M	115.14M	87.76M	76.82M	69.19M	88.64M	100.31M
Short-Term Debt	418.09M	710.83M	590.16M	488.38M	301.21M	140.16M	84.49M	370M	415M	150M
Other Liabilities	68.76M	57.56M	65.25M	38.22M	119.72M	164.72M	124.24M	266.74M	242.68M	244.25M
Total Current Liabilities	5.29B	5.98B	6.02B	6.16B	7.34B	7.56B	8.08B	7.59B	7.94B	7.93B
Total Non-Current Liabilities	231.42M	117.89M	158.17M	154.16M	234.87M	252.49M	201.06M	335.94M	331.31M	344.56M
Total Liabilities	5.53B	6.1B	6.18B	6.32B	7.57B	7.81B	8.28B	7.93B	8.27B	8.28B
Total Equity+	792.24M	841.96M	884.03M	935.76M	1.19B	1.15B	1.21B	1.18B	1.28B	1.38B
Equity Growth %	0.3%	0.06%	0.05%	0.06%	0.27%	-0.03%	0.04%	-0.02%	0.08%	0.08%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.09%	0.08%	0.12%	0.09%	0.02%	0.09%	0.11%	0.12%	0.1%
Book Value per Share	22.76	24.12	25.37	26.76	30.13	29.55	30.89	30.35	33.20	35.83
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	90.33M	90.33M	90.33M	90.33M	103.62M	103.62M	103.62M	103.62M	103.62M	103.62M
Additional Paid-in Capital	210.54M	213.1M	216.11M	210.34M	399.94M	400.67M	403.1M	406.28M	409.03M	411.79M
Retained Earnings	544.23M	585.89M	628.11M	701.82M	761.08M	710.06M	773.66M	863.95M	959.6M	1.04B
Accumulated OCI	-16.46M	-13.78M	-18.43M	-23.11M	-11.67M	8.97M	-7.09M	-112.13M	-90.9M	-76.99M
Treasury Stock	-36.41M	-33.58M	-32.08M	-43.62M	-60.98M	-68.61M	-66.83M	-77.07M	-97.92M	-97.16M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	60.58M	96.81M	114.24M	128.02M	138.42M	51.55M	214.85M	240.53M	171.75M	173.37M
Operating CF Growth %	-0.22%	0.6%	0.18%	0.12%	0.08%	-0.63%	3.17%	0.12%	-0.29%	0.01%
Net Income	67.08M	71.39M	72.97M	105.33M	98.23M	21.04M	110.34M	135.52M	144.78M	131.26M
Depreciation & Amortization	356K	3.63M	2.5M	7.3M	11.72M	12.07M	11.48M	9.03M	7.52M	10.87M
Deferred Taxes	-427K	536K	13.83M	3.51M	-381K	-4.4M	2.38M	-2.93M	601K	-296K
Other Non-Cash Items	4.97M	19.34M	12.62M	-2.14M	16.19M	122.37M	38.48M	12.68M	18.42M	11.31M
Working Capital Changes	-13.04M	-639K	9.31M	12.12M	10.22M	-100.24M	49.73M	83.04M	-3.45M	15.6M
Cash from Investing+	-405.74M	-616.65M	-212.41M	-201.96M	-210.56M	-159.2M	13.24M	-398.68M	-444.22M	-118.29M
Purchase of Investments	-74.71M	-113.36M	-156.84M	-92.6M	-129.97M	-178.39M	-313.62M	-401.14M	-111.97M	-325.03M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-16.35M	0	4.4M	4.54M	63.76M	0	0	0	0	0
Other Investing	-370.81M	-598.86M	-202.04M	-199.57M	-291.54M	-182.35M	183.65M	-184.99M	-473.74M	-86.27M
Cash from Financing+	334.97M	559.94M	75.84M	112.28M	114.47M	139.49M	464.46M	-554.05M	296.07M	-43.87M
Dividends Paid	-24.49M	-26.78M	-28.57M	-34.54M	-37.36M	-43.95M	-44.33M	-46.95M	-49.71M	-50.97M
Share Repurchases	-182K	-115K	-689K	-12.91M	-19.14M	-13.15M	-630K	-8.45M	-20.61M	-870K
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	278.2M	385.17M	192.51M	206.72M	396.9M	430.1M	576.09M	-776.48M	301.85M	261.36M
Net Change in Cash+	-10.18M	40.09M	-22.33M	38.34M	42.33M	31.84M	692.55M	-712.21M	23.6M	11.21M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	109.58M	99.4M	139.49M	117.15M	155.49M	197.82M	229.67M	922.22M	210.01M	233.61M
Cash at End	99.4M	139.49M	117.15M	155.49M	197.82M	229.67M	922.22M	210.01M	233.61M	244.82M
Interest Paid	15.88M	22.8M	33.59M	53.03M	75.28M	44.35M	15.24M	22.07M	111.3M	176.07M
Income Taxes Paid	23.18M	26.74M	33.81M	15.73M	14.66M	6.23M	24.21M	31.18M	36.89M	29.73M
Free Cash Flow+	55.45M	93.24M	109.54M	123.84M	133.27M	46.14M	211.24M	236.57M	165.53M	170.37M
FCF Growth %	-0.24%	0.68%	0.17%	0.13%	0.08%	-0.65%	3.58%	0.12%	-0.3%	0.03%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.58%	8.74%	8.46%	11.58%	9.23%	1.79%	9.35%	11.34%	11.73%	9.86%
Return on Assets (ROA)	1.19%	1.08%	1.04%	1.47%	1.23%	0.24%	1.2%	1.46%	1.55%	1.37%
Net Interest Margin	2.94%	2.91%	3.17%	3.2%	2.79%	3.1%	2.9%	3.46%	3.63%	3.46%
Efficiency Ratio	53.7%	50.72%	46.79%	42.59%	44.8%	49.1%	53.38%	49.31%	39.28%	38.75%
Equity / Assets	12.54%	12.13%	12.52%	12.9%	13.6%	12.88%	12.71%	13%	13.44%	14.29%
Book Value / Share	22.76	24.12	25.37	26.76	30.13	29.55	30.89	30.35	33.2	35.83
NII Growth	25.81%	8.63%	10.99%	3.68%	5.49%	13.61%	-0.97%	14.37%	10.11%	-3.84%
Dividend Payout	36.5%	37.52%	39.15%	32.79%	38.03%	208.88%	40.17%	34.65%	34.33%	38.83%

Revenue by Segment

	2019	2020	2022	2023	2024
Credit and Debit Card	13.4M	15.09M	19.01M	18.25M	18.26M
Credit and Debit Card Growth	-	12.59%	25.94%	-4.00%	0.08%
Deposit Account	13.32M	11.7M	16.83M	16.19M	16.27M
Deposit Account Growth	-	-12.11%	43.79%	-3.78%	0.49%
Wealth Management	8.62M	9.96M	12.72M	12.19M	12.26M
Wealth Management Growth	-	15.47%	27.72%	-4.18%	0.60%

Frequently Asked Questions

Valuation & Price

S&T Bancorp, Inc. (STBA) has a price-to-earnings (P/E) ratio of 12.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

S&T Bancorp, Inc. (STBA) grew revenue by 5.5% over the past year. This is steady growth.

Yes, S&T Bancorp, Inc. (STBA) is profitable, generating $175.7M in net income for fiscal year 2024 (23.2% net margin).

Dividend & Returns

Yes, S&T Bancorp, Inc. (STBA) pays a dividend with a yield of 3.24%. This makes it attractive for income-focused investors.

S&T Bancorp, Inc. (STBA) has a return on equity (ROE) of 9.9%. 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 38.8%. This is excellent, indicating strong cost control.

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