S&T Bancorp, Inc. (STBA) Income Statement

30Y historyFree accessUpdated daily

Net interest income rose to $93.1M in 2026Q3 with 4.7% year-over-year growth and EPS of $1.09, yet a net interest margin flat near 0.9% suggests the recovery is volume-driven rather than margin-driven.

Annual statement

STBA Income Statement

S&T Bancorp, Inc. (STBA) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	TTM	Dec'25	Dec'24	Dec'23	Dec'22	Dec'21	Dec'20	Dec'19	Dec'18	Dec'17	Dec'16	Dec'15	Dec'14	Dec'13	Dec'12	Dec'11	Dec'10	Dec'09	Dec'08	Dec'07	Dec'06	Dec'05	Dec'04	Dec'03	Dec'02	Dec'01	Dec'00	Dec'99	Dec'98	Dec'97	Dec'96

Net Interest Income	363.79M	350.1M	333.75M	347.1M	315.22M	275.61M	278.3M	244.97M	232.21M	223.97M	201.78M	185.76M	147.65M	138.81M	134.82M	136.9M	145.35M	145.98M	142.74M	116.44M	113.12M	112.61M	107.75M	104.39M	94.86M	89.99M	90.04M	86.8M	82.3M	78.8M	73.9M
NII Growth %	26.56%	4.9%	-3.84%	10.11%	14.37%	-0.97%	13.61%	5.49%	3.68%	10.99%	8.63%	25.81%	6.37%	2.96%	-1.52%	-5.81%	-0.44%	2.27%	22.59%	2.94%	0.45%	4.51%	3.21%	10.05%	5.41%	-0.06%	3.74%	5.47%	4.44%	6.63%	6.64%
Net Interest Margin %	3.68%	3.55%	3.46%	3.63%	3.46%	2.9%	3.1%	2.79%	3.2%	3.17%	2.91%	2.94%	2.97%	3.06%	2.98%	3.32%	3.53%	3.5%	3.22%	3.4%	3.39%	3.52%	3.6%	3.6%	3.36%	3.82%	3.9%	3.96%	3.98%	4.1%	4.14%
Interest Income	518.14M	516.49M	514.82M	475.59M	340.19M	288.76M	319.38M	318.66M	287.6M	258.88M	226.3M	201.76M	160.13M	153.37M	155.85M	164.64M	179.92M	194.45M	214.91M	215.6M	204.7M	172.12M	148.64M	151.46M	151.16M	166.7M	176.18M	156.7M	151.5M	141.1M	132.5M
Interest Expense	154.35M	166.39M	181.07M	128.49M	24.97M	13.15M	41.08M	73.69M	55.39M	34.91M	24.52M	16M	12.48M	14.56M	21.02M	27.73M	34.57M	49.1M	72.17M	99.17M	91.58M	59.51M	40.89M	47.07M	56.3M	76.71M	86.14M	69.9M	69.2M	62.3M	58.6M
Loan Loss Provision	8.43M	7.42M	133K	17.89M	8.37M	16.21M	131.42M	14.87M	14.99M	13.88M	17.96M	10.39M	1.72M	8.31M	22.82M	15.61M	29.51M	72.35M	12.88M	5.81M	9.38M	5M	4.4M	7.3M	7.8M	5M	4M	4M	10.6M	5M	5.2M
Non-Interest Income	41.76M	52.02M	50.14M	59.93M	58.82M	65.2M	60.84M	54.38M	49.53M	57.23M	56.11M	52.82M	46.73M	48.82M	52.32M	44.5M	47.71M	39.22M	38.66M	40.6M	40.39M	37.39M	34.2M	36.2M	32.68M	31.23M	22.15M	20.1M	24.4M	16.4M	12M
Non-Interest Income %	10.3%	12.94%	13.06%	14.72%	15.73%	19.13%	17.94%	18.17%	17.58%	20.35%	21.76%	22.14%	24.04%	26.02%	27.96%	24.53%	24.71%	21.18%	21.31%	25.86%	26.31%	24.92%	24.09%	25.75%	25.62%	25.76%	19.75%	18.8%	22.87%	17.23%	13.97%
Total Net Revenue	405.54M	402.12M	383.89M	407.03M	374.04M	340.81M	339.13M	299.35M	281.75M	281.19M	257.89M	238.58M	194.38M	187.63M	187.14M	181.4M	193.06M	185.2M	181.4M	157.04M	153.51M	149.99M	141.95M	140.6M	127.54M	121.22M	112.2M	106.9M	106.7M	95.2M	85.9M
Revenue Growth %	3.68%	4.75%	-5.69%	8.82%	9.75%	0.49%	13.29%	6.25%	0.2%	9.04%	8.09%	22.74%	3.6%	0.26%	3.16%	-6.04%	4.24%	2.1%	15.51%	2.3%	2.34%	5.67%	0.96%	10.24%	5.21%	8.04%	4.96%	0.19%	12.08%	10.83%	9.57%
Non-Interest Expense	231.3M	226.76M	218.94M	210.33M	196.75M	188.93M	186.67M	167.12M	143.57M	147.91M	143.23M	136.72M	117.24M	114.3M	122.86M	103.91M	105.63M	108.13M	83.8M	73.46M	69.28M	62.46M	60.19M	60.66M	51.77M	46.97M	45.66M	43.5M	41.9M	43.2M	42.5M
Efficiency Ratio	57.03%	56.39%	57.03%	51.68%	52.6%	55.43%	55.04%	55.83%	50.96%	52.6%	55.54%	57.3%	60.31%	60.92%	65.65%	57.28%	54.72%	58.38%	46.2%	46.78%	45.13%	41.64%	42.4%	43.14%	40.59%	38.75%	40.69%	40.69%	39.27%	45.38%	49.48%
Operating Income	165.81M	167.94M	164.82M	178.8M	168.93M	135.67M	21.04M	117.36M	123.18M	119.41M	96.7M	91.48M	75.42M	65.02M	41.46M	61.89M	57.91M	4.08M	84.72M	77.77M	74.85M	82.53M	77.36M	72.64M	67.97M	69.25M	62.54M	59.4M	54.2M	47M	38.2M
Operating Margin %	40.89%	41.76%	42.93%	43.93%	45.16%	39.81%	6.2%	39.21%	43.72%	42.46%	37.49%	38.34%	38.8%	34.65%	22.16%	34.12%	30%	2.2%	46.7%	49.52%	48.76%	55.02%	54.5%	51.67%	53.3%	57.13%	55.74%	55.57%	50.8%	49.37%	44.47%
Operating Income Growth %	-	1.89%	-7.82%	5.85%	24.52%	544.84%	-82.07%	-4.72%	3.16%	23.48%	5.7%	21.28%	16.01%	56.81%	-33%	6.86%	1318.72%	-95.18%	8.94%	3.9%	-9.31%	6.68%	6.5%	6.86%	-1.84%	10.73%	5.28%	9.59%	15.32%	23.04%	12.35%
Pretax Income	180.67M	167.94M	164.82M	178.8M	168.93M	135.67M	21.04M	117.36M	123.18M	119.41M	96.7M	91.48M	75.42M	65.02M	41.46M	61.89M	57.91M	4.08M	84.72M	77.77M	74.85M	82.53M	77.36M	72.64M	67.97M	69.25M	62.54M	59.4M	54.2M	47M	38.2M
Pretax Margin %	44.55%	41.76%	42.93%	43.93%	45.16%	39.81%	6.2%	39.21%	43.72%	42.46%	37.49%	38.34%	38.8%	34.65%	22.16%	34.12%	30%	2.2%	46.7%	49.52%	48.76%	55.02%	54.5%	51.67%	53.3%	57.13%	55.74%	55.57%	50.8%	49.37%	44.47%
Income Tax	36.38M	33.71M	33.55M	34.02M	33.41M	25.32M	-1K	19.13M	17.84M	46.44M	25.3M	24.4M	17.52M	14.48M	7.26M	14.62M	14.43M	-3.87M	24.52M	21.63M	21.51M	24.29M	23M	20.86M	19.37M	20.06M	17.57M	18M	16.2M	13.6M	10M
Effective Tax Rate %	20.14%	20.07%	20.36%	19.03%	19.78%	18.67%	-0%	16.3%	14.49%	38.89%	26.17%	26.67%	23.22%	22.27%	17.51%	23.63%	24.92%	-94.78%	28.94%	27.81%	28.74%	29.43%	29.73%	28.72%	28.5%	28.97%	28.09%	30.3%	29.89%	28.94%	26.18%
Net Income	144.28M	134.23M	131.26M	144.78M	135.52M	110.34M	21.04M	98.23M	105.33M	72.97M	71.39M	67.08M	57.91M	50.54M	34.2M	47.26M	43.48M	7.95M	60.2M	56.14M	53.34M	58.24M	54.36M	51.78M	48.6M	51.07M	44.97M	41.4M	38M	33.4M	28.2M
Net Margin %	35.58%	33.38%	34.19%	35.57%	36.23%	32.38%	6.2%	32.82%	37.39%	25.95%	27.68%	28.12%	29.79%	26.94%	18.28%	26.05%	22.52%	4.29%	33.19%	35.75%	34.74%	38.83%	38.29%	36.83%	38.11%	42.13%	40.08%	38.73%	35.61%	35.08%	32.83%
Net Income Growth %	8.22%	2.26%	-9.34%	6.83%	22.82%	424.44%	-78.58%	-6.74%	44.36%	2.21%	6.43%	15.84%	14.58%	47.77%	-27.64%	8.7%	446.85%	-86.79%	7.23%	5.26%	-8.43%	7.15%	4.98%	6.53%	-4.83%	13.56%	8.63%	8.95%	13.77%	18.44%	13.71%
Net Income (Continuing)	144.28M	134.23M	131.26M	144.78M	135.52M	110.34M	21.04M	98.23M	105.33M	72.97M	71.39M	67.08M	57.91M	50.54M	34.2M	47.26M	43.48M	7.95M	60.2M	56.14M	53.34M	58.24M	54.36M	51.78M	48.6M	49.19M	44.97M	41.4M	38M	33.4M	28.2M
EPS (Diluted)	4.06	3.49	3.40	3.74	3.46	2.81	0.53	2.48	3.01	2.09	2.04	1.93	1.94	1.70	1.15	1.41	0.00	0.07	2.28	2.26	2.06	2.18	2.03	1.94	1.81	1.75	1.66	1.51	1.35	1.17	0.50
EPS Growth %	12.97%	2.65%	-9.09%	8.09%	23.13%	430.19%	-78.63%	-17.61%	44.02%	2.45%	5.7%	-0.52%	14.12%	47.83%	-18.44%	-	-98%	-96.93%	0.89%	9.71%	-5.5%	7.39%	4.64%	7.18%	3.43%	5.42%	9.93%	11.85%	15.38%	134%	13.64%
EPS (Basic)	-	3.49	3.43	3.78	3.47	2.81	0.54	2.48	3.03	2.10	2.04	1.93	1.94	1.70	1.15	1.41	0.00	0.07	2.30	2.27	2.07	2.21	2.05	1.96	1.83	1.76	1.67	1.52	1.37	1.18	0.50
Diluted Shares Outstanding	35.56M	38.49M	38.52M	38.66M	39.03M	39.05M	39.07M	39.56M	34.98M	34.84M	34.91M	34.81M	29.8M	29.74M	29.73M	28.13M	27.95M	27.66M	26.38M	24.89M	25.89M	26.72M	26.78M	26.69M	26.85M	29.18M	27.09M	27.42M	28.15M	28.55M	22.15M

Key Metrics

Growth RegimeMixed

ProfitabilityStable

Balance SheetHealthy

Cash FlowStable

Top Statement Risk

Commercial real estate concentration exposure

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q3)

Net Interest Income Re-Accelerating Off Trough

Based on STBA's reported figures, net interest income rose from $83.0M in 2025Q1 to $93.1M in 2026Q3, with year-over-year NII growth reaching 4.7%, a reversal from contraction of 4.8% in 2024Q2.

The shift from negative NII growth through 2024 and early 2025 to positive readings in the latest quarters suggests the balance sheet is repricing more favorably, though the reported figures do not isolate loan volume effects from rate effects. Because deposit betas and funding cost detail are not included in the provided data, the sustainability of this recovery cannot be confirmed and warrants further investigation in future disclosures.

Net Interest Margin Holding Steady Near 0.9%

As reported in the income statement data, STBA's net interest margin has remained flat at approximately 0.9% across all ten quarters, indicating limited movement in asset yields relative to funding costs over the period.

A stable reported margin alongside rising NII implies that earning asset growth, rather than spread expansion, is likely driving the recent income gains. Peer margin data is not provided in the dataset, so positioning relative to competitors cannot be assessed, and investors should monitor whether the margin begins to compress as rate cycles evolve.

Efficiency Ratio Improving Amid Volatility

Based on STBA's reported figures, the efficiency ratio moved from 58.8% in 2025Q1 to 53.5% in 2026Q3, suggesting non-interest expense is growing more slowly than total revenue over the recent period.

The improvement appears to reflect revenue growth outpacing cost growth, which is a favorable operating leverage signal, though quarterly volatility in the ratio (for example, 66.1% in 2026Q2) indicates that single-quarter readings may be distorted by timing effects. The data does not break out expense components, so the source of the improvement cannot be determined from the provided figures.

Provision Swing From Releases to Reserve Builds

As reported in financial statements, STBA's provision expense shifted from a release of $3.0M in 2025Q1 to a build of $5.7M in 2025Q4, before settling at $1.4M in 2026Q3.

The move from reserve releases to builds during 2025 may suggest management became more conservative about credit deterioration, though the reported provision figures alone do not reveal net charge-off trends or reserve coverage ratios. Given the bank's commercial real estate concentration, investors should monitor provision levels closely, as renewed builds could signal credit stress that is not yet visible in the headline earnings.

Earnings Beat Versus Flat Guidance Visibility

According to recent SEC filings, STBA's latest quarter reported EPS of $1.09 against a $1.07 estimate, yet no forward guidance was provided, limiting visibility into whether the recent acceleration in earnings can be sustained.

The EPS beat and record earnings language are notable, but the absence of guidance combined with a modest surprise magnitude suggests the signal may reflect a single favorable quarter rather than a durable trend. Because the bank's efficiency and provision figures moved in both directions across recent quarters, investors should treat the improved profitability as provisional until subsequent reports confirm the trajectory.

STBA — Frequently Asked Questions

Quick answers to the most common questions about buying STBA stock.

What was S&T Bancorp, Inc.'s (STBA) revenue in 2025?

For fiscal year 2025, S&T Bancorp, Inc. (STBA) reported total revenue of $402.1M. This represents a 368.1% increase compared to $85.9M in 1996.

Is S&T Bancorp, Inc. (STBA) profitable?

S&T Bancorp, Inc. (STBA) is profitable, generating $134.2M in net income for the fiscal year ending 2025 with a net profit margin of 33.4%.

What is S&T Bancorp, Inc.'s operating profit margin?

S&T Bancorp, Inc. (STBA) reported an operating income of $167.9M, resulting in an operating profit margin of 41.8%. This margin reflects the operational efficiency of the business before interest and taxes.

What is S&T Bancorp, Inc.'s gross profit and gross margin?

S&T Bancorp, Inc. (STBA) generated $394.7M in gross profit for the year, representing a gross profit margin of 98.2%. This demonstrates the company's core pricing power and production efficiency.