S&T BANCORP INC STBA

Financials SIC 6022 - State Commercial Banks Nasdaq

S&T Bancorp, Inc. was incorporated on March 17, 1983 under the laws of the Commonwealth of Pennsylvania as a bank holding company and is registered with the Board of Governors of the Federal Reserve System, or the Federal Reserve Board, under the Bank Holding Company Act of 1956, as amended, or the BHCA, as a bank holding company and a financial holding company. S&T Bancorp, Inc. has four active direct wholly-owned subsidiaries including S&T Bank, 9th Street Holdings, Inc., STBA Capital Trust I and DNB Capital Trust II, and owns a 50 percent interest in Commonwealth Trust Credit Life Insurance Company, or CTCLIC. When used in this Report, "S&T," "we," "us" or "our" may refer to S&T Bancorp, Inc. individually, S&T Bancorp, Inc. and its consolidated subsidiaries or certain of S&T Bancorp, Inc.'s subsidiaries or affiliates, depending on the context. As of December 31, 2025, we had approximately $9.9 billion in assets, $8.1 billion in total loans, $8.0 billion in deposits and $1.5 billion in shareholders' equity.

Last close 50.64 2026-09-04
Market cap $1.79B 2026-06-30 share count
52-week range 34.38 - 53.50

Valuation FY2025 figures against the last close

P/S3.5x
P/E14.5x
P/FCF13.9x
EV/EBITDA
Dividend yield3.0%
Diluted EPS3.49

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $516.5M$515.9M$477.9M$340.8M$289.3M$320.5M$320.5M$289.8M$260.6M$227.8M
Interest expense $350.1M$334.8M$349.4M$315.8M$13.2M$41.1M$73.7M$55.4M$34.9M$24.5M
Pre-tax income $167.9M$164.8M$178.8M$168.9M$135.7M$21.0M$117.4M$123.2M$119.4M$96.7M
Income tax $33.7M$33.6M$34.0M$33.4M$25.3M$1.0K$19.1M$17.8M$46.4M$25.3M
Net income $134.2M$131.3M$144.8M$135.5M$110.3M$21.0M$98.2M$105.3M$73.0M$71.4M
EPS, basic 3.513.433.763.472.810.542.843.032.102.06
EPS, diluted 3.493.413.743.462.810.532.823.012.092.05
Shares, diluted (wtd. avg.) $38.5M$38.5M$38.7M$39.0M$39.1M$39.1M$34.7M$35.0M$35.0M$34.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $163.4M$244.8M$233.6M$210.0M$922.2M$229.7M$197.8M$155.5M$117.2M$139.5M
Property, plant and equipment $56.9M$41.7M$42.7M$45.0M
Goodwill $373.4M$373.4M$373.4M$373.4M$373.4M$373.4M$371.6M$287.4M$291.7M$291.7M
Other intangibles $2.3M$3.1M$4.1M$5.4M$6.9M$8.7M$10.9M$2.6M$3.7M$4.9M
Total assets $9.87B$9.66B$9.55B$9.11B$9.49B$8.97B$8.76B$7.25B$7.06B$6.94B
Short-term debt $165.0M$150.0M$415.0M$370.0M$0$140.2M$301.2M$488.4M$590.2M$710.8M
Total liabilities $8.41B$8.28B$8.27B$7.93B$8.28B$7.81B$7.57B$6.32B$6.18B$6.10B
Retained earnings $1.12B$1.04B$959.6M$863.9M$773.7M$710.1M$761.1M$701.8M$628.1M$585.9M
Total equity $1.46B$1.38B$1.28B$1.18B$1.21B$1.15B$1.19B$935.8M$884.0M$842.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $133.6M$173.4M$171.7M$240.5M$214.9M$51.6M$138.4M$128.0M$114.2M$96.8M
Depreciation and amortisation $10.4M$10.9M$7.5M$9.0M$11.5M$12.1M$11.7M$7.3M$2.5M$3.6M
Stock-based compensation $5.3M$4.6M$3.9M$3.2M$2.4M$724.0K$2.4M$1.9M$3.0M$2.5M
Capital expenditure $4.8M$2.9M$5.5M$3.9M$3.6M$5.4M$5.2M$4.2M$4.7M$3.6M
Investing cash flow -$314.8M-$118.3M-$444.2M-$398.7M$13.2M-$159.2M-$210.6M-$202.0M-$212.4M-$616.7M
Financing cash flow $99.8M-$43.9M$296.1M-$554.1M$464.5M$139.5M$114.5M$112.3M$75.8M$559.9M
Dividends paid $52.9M$51.0M$49.7M$47.0M$44.3M$43.9M$37.4M$34.5M$28.6M$26.8M
Buybacks $36.3M$0$19.8M$7.6M$0$12.6M$18.2M$12.3M$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000719220-26-000030.

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