S&T Bancorp, Inc.

S&T Bancorp, Inc.

STBA
S&T Bancorp, Inc.US flagNASDAQ Global Select
50.64
USD
+0.53
- -
1.79BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.31
6.52
6.85
7.39
8.04
8.12
7.57
8.63
8.66
9.59
10.65
10.03
10.75
11.21
Basic EPS, GAAP
1.7
1.94
1.93
2.04
2.09
3.04
2.48
0.54
2.8
3.47
3.79
3.43
3.59
3.79
Free Cash Flow per Basic Share
2.8
2.45
1.59
2.67
3.13
3.57
3.37
1.17
5.37
6.07
4.35
4.45
3.44
3.86
Dividend per Share
0.61
0.68
0.7
0.77
0.82
1
0.94
1.12
1.13
1.2
1.3
1.33
1.41
1.44
Book Value per Share
19.21
20.42
22.76
24.12
25.28
26.98
30.13
29.38
30.66
30.38
33.57
36.08
39.14
39.81
Tangible Book Value per Share
13.17
14.43
14.19
15.62
16.83
18.62
20.46
19.66
20.99
20.66
23.7
26.24
29.09
29.17
Basic Weighted Avg Shares
30
30
35
35
35
35
40
39
39
39
38
38
37
37
Sales/Revenue/Turnover
188
194
239
258
281
282
299
339
341
374
407
384
402
416
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
5
- -
4
2
7
12
12
11
9
8
11
10
- -
Net Income, GAAP
51
58
67
71
73
105
98
21
110
136
145
131
134
141
Effective Tax Rate (%)
22.27
23.22
26.67
26.17
38.89
14.49
16.3
- -
18.67
19.78
19.03
20.36
20.07
19.98
Profit Margin (%)
26.94
29.79
28.12
27.68
25.95
37.39
32.82
6.2
32.38
36.23
35.57
34.19
33.38
33.84
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
67
65
163
60
93
116
115
88
77
69
89
100
100
75
Total Equity
571
608
792
842
884
936
1,192
1,155
1,206
1,185
1,283
1,380
1,464
1,404
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.12
9.82
9.58
8.74
8.46
11.58
9.23
1.79
9.35
11.34
11.73
9.86
9.44
9.87

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
165
50
200
LT Borrowings
100
100
75
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
37
36
35
Market Capitalization
1,472
1,517
1,731

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,151
1,349
1,231
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
165
50
200
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.6%
4.92%
6.06%
Free Cash Flow
35.92%
63.65%
-24.4%
Net Income, GAAP
41.47%
89.4%
2.26%
Sales/Revenue/Turnover
5.5%
3.62%
4.75%
Total Cash Common Dividend
8.17%
3.79%
3.75%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
96
97
96
94
384
2025
94
100
103
105
402
2026
102
105
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.82
0.9
0.85
0.86
3.43
2025
0.87
0.83
0.91
0.91
3.59
2026
0.95
1.03
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.33
0.33
0.33
0.34
1.33
2025
0.34
0.34
0.34
0.36
1.41
2026
0.36
0.37
- -
- -
- -

Company Description

CEO
Christopher J. McComish
Full Time Employees
1,209
Sector
Financial Services
Industry
Banks - Regional
Address
800 Philadelphia Street Indiana PA United States of America 15701
IPO Date
Apr 21, 1992
Business
S&T Bancorp, Inc. (NASDAQ: STBA) is a financial holding company and the parent of S&T Bank, a full-service community bank providing retail and commercial banking products and services to consumers, businesses, and institutions primarily in Pennsylvania, Ohio, and contiguous markets. The company offers time and demand deposits; commercial real estate loans, commercial and industrial loans, commercial construction loans, business banking loans, consumer real estate loans, and other consumer loans; cash management services; brokerage and trust services including financial planning, retirement planning, investments, insurance, annuities, estate planning strategies, tax planning, and retirement income strategies through its partnership with Ameriprise Financial Services, LLC; title insurance agency services; and acts as guardian, custodian, and reinsurer for credit life, accident, and health insurance policies. Founded in 1902 and headquartered in Indiana, Pennsylvania, S&T Bancorp manages over $9 billion in assets and operates through segments including Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer, with a geographic footprint spanning Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, Upstate New York, and potential expansion targets in Maryland, Washington D.C., Virginia, and further into the Mid-Atlantic. In recent developments, the company reports strong 2025 performance with Q3 net income of $35.0 million and anticipates crossing the $10 billion asset threshold through organic growth or mergers and acquisitions, while actively pursuing deposit-rich franchises in Pennsylvania, Ohio, and Mid-Atlantic regions to enhance its funding mix and commercial capabilities; it maintains robust capital levels, improved asset quality, and a team expansion adding 15% more bankers year-over-year to capture market share.

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