Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
S&T Bancorp, Inc.'s quarterly P/E stands at 11.1x, down 0.5% year-over-year. EV/EBITDA has expanded 8.6% YoY to 9.7x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.76 | 11.05 | 10.33 | 11.39 | 10.65 | 11.11 | 12.34 | 9.38 | 9.90 | 8.70 | 7.78 | 7.64 | 7.71 |
| — | -0.5% | -16.3% | +21.5% | +7.5% | +27.7% | +58.6% | +22.8% | +28.4% | +4.9% | +0.9% | -17.6% | -22.9% | |
| P/S Ratio | 2.87 | 2.58 | 2.50 | 2.57 | 2.64 | 2.65 | 2.82 | 2.26 | 2.19 | 2.22 | 1.92 | 2.00 | 2.47 |
| — | -2.7% | -11.6% | +13.3% | +20.6% | +19.7% | +47.0% | +13.4% | -11.2% | -20.9% | -29.7% | -32.8% | -27.1% | |
| P/B Ratio | 1.17 | 1.03 | 0.98 | 1.01 | 1.01 | 1.07 | 1.18 | 0.97 | 0.95 | 1.00 | 0.85 | 0.87 | 1.00 |
| — | -4.0% | -16.4% | +3.8% | +6.0% | +6.9% | +38.6% | +12.5% | -4.7% | -11.1% | -14.3% | -4.9% | +2.3% | |
| P/FCF | 12.66 | 10.48 | 8.36 | 13.48 | 13.26 | 6.83 | 15.09 | 7.33 | 6.74 | 8.34 | 4.67 | 6.99 | 7.16 |
| — | +53.3% | -44.6% | +84.0% | +96.8% | -18.1% | +223.2% | +4.8% | -5.9% | -14.2% | -17.3% | +71.6% | +112.8% | |
| EV / EBITDA | 10.16 | 9.71 | 8.50 | 9.43 | 8.47 | 8.95 | 10.43 | 8.19 | 8.93 | 8.43 | 9.20 | 8.58 | 7.83 |
| — | +8.6% | -18.5% | +15.2% | -5.1% | +6.1% | +13.4% | -4.6% | +14.0% | +8.6% | +53.7% | +47.2% | +135.6% | |
| EV / EBIT | 10.59 | 9.71 | 8.50 | 9.43 | 8.47 | 8.95 | 10.43 | 8.19 | 8.93 | 8.43 | 9.20 | 8.58 | 7.83 |
| — | +8.6% | -18.5% | +15.2% | -5.1% | +6.1% | +13.4% | -4.6% | +14.0% | +8.6% | +53.7% | +47.2% | +135.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
S&T Bancorp, Inc.'s operating margin was 29.2% in Q4 2025, down 1.0 pp QoQ and down 0.6 pp YoY.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.4% | 68.5% | 68.9% | 68.9% | 71.6% | 69.7% | 67.5% | 67.9% | 66.6% | 70.6% | 69.6% | 69.8% | 81.4% |
| — | -1.7% | +2.1% | +1.4% | +7.4% | -1.4% | -3.0% | -2.7% | -18.2% | -17.8% | -24.2% | -25.6% | -16.7% | |
| Operating Margin | 29.5% | 29.2% | 30.2% | 28.1% | 30.8% | 29.8% | 28.9% | 30.2% | 27.9% | 31.8% | 30.5% | 32.0% | 39.8% |
| — | -2.0% | +4.3% | -6.9% | +10.7% | -6.4% | -5.3% | -5.8% | -30.0% | -24.8% | -31.2% | -20.1% | -5.9% | |
| Net Margin | 23.6% | 23.4% | 24.0% | 22.4% | 24.7% | 23.8% | 22.7% | 24.2% | 22.2% | 25.6% | 24.8% | 26.2% | 32.1% |
| — | -1.9% | +5.8% | -7.4% | +11.1% | -7.0% | -8.2% | -7.7% | -30.7% | -24.5% | -30.5% | -18.1% | -6.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 2.3% | 2.4% | 2.2% | 2.4% | 2.4% | 2.4% | 2.6% | 2.4% | 3.0% | 2.7% | 2.8% | 3.3% |
| — | -3.7% | -0.9% | -15.2% | -1.5% | -18.8% | -12.0% | -7.0% | -26.6% | -14.2% | -14.0% | +15.6% | +35.4% | |
| ROA | 1.4% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | +0.4% | +5.1% | -8.9% | +5.3% | -11.8% | -5.2% | -4.1% | -24.7% | -12.7% | -13.4% | +20.0% | +41.2% | |
| ROIC | 7.4% | 1.8% | 1.9% | 1.8% | 1.9% | 1.9% | 1.8% | 1.9% | 1.7% | 1.9% | 1.6% | 1.7% | 2.2% |
| — | -1.5% | +5.5% | -5.5% | +13.4% | +0.2% | +11.7% | +10.0% | -21.6% | -29.2% | -40.0% | -15.7% | +8.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
S&T Bancorp, Inc.'s Debt/EBITDA ratio is 7.3x, up from 5.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 4390.7% YoY to 6.98x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.21 | 0.21 | 0.16 | 0.17 | 0.14 | 0.18 | 0.25 | 0.28 | 0.29 | 0.39 | 0.59 | 0.51 | 0.46 |
| — | +17.1% | -35.2% | -37.0% | -52.2% | -53.8% | -58.1% | -46.5% | -37.2% | +5.8% | +549.5% | +424.1% | +271.1% | |
| Debt / EBITDA | 1.78 | 7.33 | 5.37 | 6.26 | 4.68 | 6.05 | 8.17 | 8.48 | 9.54 | 10.94 | 17.42 | 14.80 | 11.43 |
| — | +21.1% | -34.3% | -26.2% | -50.9% | -44.7% | -53.1% | -42.7% | -16.5% | +25.2% | +675.3% | +363.2% | +180.9% | |
| Current Ratio | 6.98 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 |
| — | +4390.7% | -5.5% | -1.4% | +2.5% | +2.4% | +3.5% | -1.5% | -8.1% | -5.1% | +0.0% | -15.4% | -29.5% | |
| Quick Ratio | 6.98 | 6.98 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.15 | 0.16 | 0.16 |
| — | +4390.7% | -5.5% | -1.4% | +2.5% | +2.4% | +3.5% | -1.5% | -8.1% | -5.1% | +0.0% | -15.4% | -29.5% | |
| Interest Coverage | 1.01 | 1.06 | 1.03 | 0.94 | 1.00 | 0.93 | 0.88 | 0.95 | 0.88 | 1.11 | 1.16 | 1.44 | 2.23 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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S&T Bancorp, Inc.'s current P/E is 12.8x. The average P/E over the last 4 quarters is 10.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
S&T Bancorp, Inc.'s current operating margin is 29.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking S&T Bancorp, Inc.'s business trajectory between earnings reports.