S&T BANCORP INC STBA

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived 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 50.52 2026-10-23
Market cap $1.78B 2026-06-30 share count
52-week range 35.68 - 53.50

Valuation FY2025 figures against the last close

P/S3.4x
P/E14.5x
P/FCF13.8x
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.) 38.5M38.5M38.7M39.0M39.1M39.1M34.7M35.0M35.0M34.8M

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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 200M 400M 600M Revenue, FY2016: 227.8M Net income, FY2016: 71.4M Revenue, FY2017: 260.6M Net income, FY2017: 73M Revenue, FY2018: 289.8M Net income, FY2018: 105.3M Revenue, FY2019: 320.5M Net income, FY2019: 98.2M Revenue, FY2020: 320.5M Net income, FY2020: 21M Revenue, FY2021: 289.3M Net income, FY2021: 110.3M Revenue, FY2022: 340.8M Net income, FY2022: 135.5M Revenue, FY2023: 477.9M Net income, FY2023: 144.8M Revenue, FY2024: 515.9M Net income, FY2024: 131.3M Revenue, FY2025: 516.5M Net income, FY2025: 134.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $227.8M $260.6M $289.8M $320.5M $320.5M $289.3M $340.8M $477.9M $515.9M $516.5M
Gross profit — — — — — — — — — —
Net income $71.4M $73.0M $105.3M $98.2M $21.0M $110.3M $135.5M $144.8M $131.3M $134.2M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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