NASDAQ : STBA
S&T Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 51.09 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.80B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 472.84M | 472.71M | 476.38M | 443.12M | 314.87M | 270.46M |
| Interest Income on Investments | 44.42M | 43.78M | 39.49M | 34.78M | 25.89M | 18.80M |
| Total Interest Income | 517.26M | 516.49M | 515.87M | 477.90M | 340.75M | 289.26M |
| Interest Paid on Deposits | 144.75M | 154.57M | 159.41M | 92.84M | 19.91M | 10.76M |
| Interest Paid on Borrowings | 9.60M | 11.82M | 21.66M | 35.66M | 5.06M | 2.39M |
| Total Interest Expense | 154.35M | 166.39M | 181.07M | 128.49M | 24.97M | 13.15M |
| Net Interest Income | 362.91M | 350.10M | 334.81M | 349.41M | 315.78M | 276.11M |
| Trust Income | 13.86M | 12.45M | 12.26M | 12.19M | 12.72M | 12.89M |
| Mortgage Banking Activities | 9.73M | |||||
| Gain (Loss) on Sale of Investments | 169.00K | -2.29M | -4.44M | -2.00M | -1.20M | 29.00K |
| Other Non-Interest Income | 26.32M | 25.44M | 24.99M | 29.24M | 28.52M | 27.00M |
| Total Non-Interest Income | 57.50M | 52.02M | 49.08M | 55.62M | 56.86M | 64.70M |
| Revenues Before Loan Losses | 420.40M | 402.12M | 383.89M | 405.03M | 372.64M | 340.81M |
| Provision for Loan Losses | 9.55M | 7.42M | 133.00K | 17.89M | 8.37M | 16.21M |
| Revenue | 410.86M | 394.70M | 383.76M | 387.14M | 364.28M | 324.59M |
| Salaries and Employee Benefits | 124.05M | 122.30M | 117.37M | 107.59M | 100.03M | 97.79M |
| Occupancy Expenses | 11.11M | 11.11M | 9.98M | 9.62M | 9.64M | 9.41M |
| Federal Deposit Insurance | 4.29M | 4.24M | 4.20M | 4.12M | 2.85M | 4.22M |
| Selling, General & Administrative | 56.70M | 55.05M | 54.64M | 53.73M | 50.80M | 45.85M |
| Other Non-Interest Expense | 34.04M | 34.05M | 32.76M | 33.28M | 32.02M | 31.66M |
| Total Non-Interest Expense | 230.19M | 226.76M | 218.94M | 208.33M | 195.35M | 188.93M |
| EBT Excluding Unusual Items | 180.67M | 167.94M | 164.82M | 178.80M | 168.93M | 135.67M |
| Pretax Income | 180.67M | 167.94M | 164.82M | 178.80M | 168.93M | 135.67M |
| Income Tax Expense | 36.38M | 33.71M | 33.55M | 34.02M | 33.41M | 25.32M |
| Net Income | 144.28M | 134.23M | 131.26M | 144.78M | 135.52M | 110.34M |
| Preferred Dividends & Other Adjustments | 13.00K | 156.00K | 381.00K | 492.00K | ||
| Net Income to Common | 144.28M | 134.23M | 131.25M | 144.62M | 135.14M | 109.85M |
| Basic Shares Outstanding | 36.42M | 38.20M | 38.24M | 38.43M | 38.99M | 39.05M |
| Diluted Shares Outstanding | 36.72M | 38.49M | 38.52M | 38.66M | 39.03M | 39.05M |
| EPS (Basic) | 3.96 | 3.51 | 3.43 | 3.76 | 3.47 | 2.81 |
| EPS (Diluted) | 3.93 | 3.49 | 3.41 | 3.74 | 3.46 | 2.81 |
| Dividend Per Share | 1.48 | 1.40 | 1.34 | 1.30 | 1.23 | 1.14 |
| Effective Tax Rate | 20.14% | 20.07% | 20.36% | 19.03% | 19.78% | 18.67% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 192.22M | 163.44M | 244.82M | 233.61M | 210.01M | 922.22M |
| Investment Securities | 126.58M | 173.88M | 197.85M | 229.07M | 255.01M | |
| Trading Asset Securities | 33.75M | 60.89M | 63.02M | 83.46M | 33.93M | |
| Mortgage-Backed Securities | 984.44M | 896.86M | 854.29M | 772.54M | 797.31M | 668.39M |
| Total Investments | 984.44M | 1.06B | 1.09B | 1.03B | 1.11B | 957.33M |
| Gross Loans | 8.05B | 8.08B | 7.75B | 7.66B | 7.19B | 7.01B |
| Allowance for Loan Losses | -93.25M | -93.18M | -101.49M | -107.97M | -101.34M | -98.58M |
| Other Adjustments to Gross Loans | -4.80M | -4.30M | -6.60M | -7.40M | -14.10M | |
| Net Loans | 7.96B | 7.98B | 7.64B | 7.55B | 7.08B | 6.90B |
| Property, Plant & Equipment | 81.93M | 85.36M | 91.11M | 92.37M | 96.70M | |
| Goodwill | 373.42M | 373.42M | 373.42M | 373.42M | 373.42M | 373.42M |
| Other Intangible Assets | 1.71M | 2.25M | 3.06M | 4.06M | 5.38M | 6.89M |
| Loans Held for Sale | 574.00K | 1.01M | 153.00K | 16.00K | 1.52M | |
| Accrued Interest Receivable | 36.70M | 36.40M | 39.10M | 32.00M | 22.00M | |
| Restricted Cash | 5.36M | 6.31M | ||||
| Other Current Assets | 2.00K | 2.03M | 37.36M | |||
| Long-Term Deferred Tax Assets | 32.24M | 42.07M | 45.27M | 51.61M | 20.16M | |
| Other Real Estate Owned & Foreclosed | 29.00K | 75.00K | 3.06M | 13.31M | ||
| Other Long-Term Assets | 362.00M | 128.02M | 125.08M | 156.59M | 121.92M | 127.70M |
| Total Assets | 9.89B | 9.87B | 9.66B | 9.55B | 9.11B | 9.49B |
| Interest Bearing Deposits | 5.84B | 5.80B | 5.60B | 5.30B | 4.63B | 5.00B |
| Institutional Deposits | 243.40M | |||||
| Non-Interest Bearing Deposits | 2.22B | 2.16B | 2.19B | 2.22B | 2.59B | 2.75B |
| Total Deposits | 8.06B | 7.96B | 7.78B | 7.52B | 7.22B | 8.00B |
| Short-Term Borrowings | 165.00M | 201.01M | 220.86M | 493.29M | 474.82M | 118.12M |
| Current Portion of Leases | 5.01M | |||||
| Long-Term Debt | 751.00K | 50.00M | 50.90M | 39.28M | 14.74M | |
| Federal Home Loan Bank Debt, Long-Term | 22.43M | |||||
| Long-Term Leases | 40.65M | |||||
| Trust Preferred Securities | 49.52M | 49.48M | 49.42M | 49.36M | 54.45M | 54.39M |
| Other Long-Term Liabilities | 202.99M | 102.13M | 173.39M | 164.38M | 161.93M | 90.61M |
| Total Liabilities | 8.48B | 8.41B | 8.28B | 8.27B | 7.93B | 8.28B |
| Common Stock | 1.41B | 103.62M | 103.62M | 103.62M | 103.62M | 103.62M |
| Additional Paid-In Capital | 412.97M | 411.79M | 409.03M | 406.28M | 403.10M | |
| Retained Earnings | 1.12B | 1.04B | 959.60M | 863.95M | 773.66M | |
| Treasury Stock | -131.31M | -97.16M | -97.92M | -77.07M | -66.83M | |
| Comprehensive Income & Other | -41.71M | -76.99M | -90.90M | -112.12M | -7.09M | |
| Shareholders' Equity | 1.41B | 1.46B | 1.38B | 1.28B | 1.18B | 1.21B |
| Total Liabilities & Equity | 9.89B | 9.87B | 9.66B | 9.55B | 9.11B | 9.49B |
| Total Debt | 215.27M | 346.14M | 321.17M | 581.93M | 544.01M | 194.94M |
| Net Cash (Debt) | -23.05M | -148.96M | -15.46M | -285.30M | -250.55M | 761.20M |
| Net Cash Per Share | -0.63 | -3.87 | -0.40 | -7.38 | -6.42 | 19.49 |
| Filing Date Shares Outstanding | 35.27M | 36.55M | 38.26M | 38.23M | 39.00M | 36.70M |
| Total Common Shares Outstanding | 35.27M | 37.40M | 38.26M | 38.23M | 39.00M | 39.35M |
| Book Value Per Share | 39.91 | 39.14 | 36.08 | 33.57 | 30.38 | 30.66 |
| Tangible Book Value | 1.03B | 1.09B | 1.00B | 905.96M | 805.86M | 826.13M |
| Tangible Book Value Per Share | 29.27 | 29.09 | 26.24 | 23.70 | 20.66 | 20.99 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 134.23M | 131.26M | 144.78M | 135.52M | 110.34M | |
| Depreciation & Amortization | 10.45M | 10.87M | 7.52M | 9.03M | 11.48M | |
| Gain (Loss) on Sale of Assets | -27.00K | 254.00K | -4.00M | -3.06M | 30.00K | |
| Gain (Loss) on Sale of Investments | -1.04M | 10.78M | 4.67M | 5.86M | 5.45M | |
| Total Asset Writedown | 420.00K | |||||
| Provision for Credit Losses | 7.42M | 133.00K | 17.89M | 8.37M | 16.21M | |
| Accrued Interest Receivable | -226.00K | 2.70M | -7.09M | -10.03M | 3.56M | |
| Change in Other Net Operating Assets | -17.31M | 8.12M | -14.18M | 92.91M | 73.48M | |
| Other Operating Activities | 175.00K | -296.00K | 601.00K | -2.93M | 2.38M | |
| Operating Cash Flow | 133.62M | 173.37M | 171.75M | 240.53M | 214.85M | |
| Capital Expenditures | -4.77M | -2.94M | -5.51M | -3.86M | -3.61M | |
| Sale of Property, Plant and Equipment | 161.00K | 14.00K | ||||
| Investment in Securities | 38.04M | -17.55M | 48.13M | -209.73M | -166.79M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -342.99M | -97.32M | -481.15M | -184.38M | 178.51M | |
| Other Investing Activities | -5.12M | -626.00K | -12.73M | -13.39M | 3.86M | |
| Investing Cash Flow | -314.80M | -118.29M | -444.22M | -398.68M | 13.24M | |
| Short-Term Debt Issued | 15.00M | 45.00M | 285.51M | |||
| Long-Term Debt Issued | 50.00M | 25.00M | ||||
| Total Debt Issued | 15.00M | 50.00M | 70.00M | 285.51M | ||
| Short-Term Debt Repaid | -265.00M | -55.67M | ||||
| Long-Term Debt Repaid | -81.00K | -38.38M | -5.46M | -7.69M | -11.00M | |
| Total Debt Repaid | -81.00K | -303.38M | -5.46M | -7.69M | -66.67M | |
| Net Debt Issued (Repaid) | 14.92M | -253.38M | 64.54M | 277.82M | -66.67M | |
| Repurchase of Common Stock | -37.95M | -870.00K | -20.61M | -8.45M | -630.00K | |
| Common Dividends Paid | -52.89M | -50.97M | -49.71M | -46.95M | -44.33M | |
| Net Increase (Decrease) in Deposit Accounts | 175.71M | 261.36M | 301.85M | -776.48M | 576.09M | |
| Financing Cash Flow | 99.80M | -43.87M | 296.07M | -554.05M | 464.46M | |
| Net Cash Flow | -81.38M | 11.21M | 23.60M | -712.21M | 692.55M | |
| Free Cash Flow | 128.85M | 170.43M | 166.24M | 236.66M | 211.24M | |
| Free Cash Flow Margin | 32.65% | 44.41% | 42.94% | 64.97% | 65.08% | |
| Free Cash Flow Per Share | 3.35 | 4.42 | 4.30 | 6.06 | 5.41 | |
| Cash Interest Paid | 171.68M | 176.07M | 111.30M | 22.07M | 15.24M | |
| Cash Income Tax Paid | 26.29M | 29.73M | 36.89M | 31.18M | 24.21M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.84B | 1.50B | 1.46B | 1.28B | 1.33B | 1.24B |
| Last Close Price | 50.55 | 38.42 | 36.01 | 30.34 | 29.72 | 26.39 |
| PE Ratio | 13.28 | 11.21 | 11.14 | 8.84 | 9.87 | 11.29 |
| PS Ratio | 4.44 | 3.81 | 3.81 | 3.30 | 3.66 | 3.82 |
| PB Ratio | 1.27 | 1.03 | 1.06 | 1.00 | 1.12 | 1.03 |
| P/FCF Ratio | 12.75 | 11.67 | 8.58 | 7.69 | 5.63 | 5.87 |
| P/OCF Ratio | 12.43 | 11.26 | 8.44 | 7.44 | 5.54 | 5.77 |
| Debt / Equity Ratio | 0.15 | 0.24 | 0.23 | 0.45 | 0.46 | 0.16 |
| Debt / FCF Ratio | 2.69 | 1.88 | 3.50 | 2.30 | 0.92 | |
| Net Debt / Equity Ratio | 0.02 | 0.10 | 0.01 | 0.22 | 0.21 | -0.63 |
| Net Debt / FCF Ratio | 1.16 | 0.09 | 1.72 | 1.06 | -3.60 | |
| Return on Equity (ROE) | 10.01% | 9.44% | 9.86% | 11.73% | 11.34% | 9.35% |
| Return on Assets (ROA) | 1.46% | 1.38% | 1.37% | 1.55% | 1.46% | 1.20% |
| Earnings Yield | 7.53% | 8.92% | 8.98% | 11.33% | 10.17% | 8.90% |
| FCF Yield | 7.84% | 8.57% | 11.65% | 13.01% | 17.75% | 17.03% |
| Dividend Yield | 2.83% | 3.48% | 3.51% | 3.89% | 3.60% | 3.62% |
| Payout Ratio | 37.70% | 39.40% | 38.83% | 34.33% | 34.65% | 40.17% |
| Buyback Yield / Dilution | 4.78% | 0.08% | 0.34% | 0.96% | 0.06% | 0.05% |
| Total Shareholder Return | 7.66% | 3.57% | 3.85% | 4.85% | 3.65% | 3.67% |