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S&T Bancorp, Inc.

S&T Bancorp, Inc.

NASDAQ•STBA
CEO: Mr. Christopher J. McComish
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1992-04-21
S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that engages in the provision of retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
Contact Information
800 Philadelphia Street, Indiana, PA, 15701, United States
800-325-2265
www.stbancorp.com
Market Cap
$1.54B
P/E (TTM)
8.9
15.2
Dividend Yield
3.4%
52W High
$42.95
52W Low
$30.84
52W Range
78%
Rank40Top 31.7%
4.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$232.62M+62.27%
4-Quarter Trend

EPS

$0.91+7.06%
4-Quarter Trend

FCF

$43.41M+61.87%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

NIM Expansion Continues Q3 FTE NIM rose 11 basis points to 3.93%; Net Interest Income improved due to lower interest-bearing liability costs.
Loan Portfolio Growth Total portfolio loans reached $8.0B, increasing 3.1% year-over-year, driven by commercial real estate expansion of $265.8M.
Strong Capital Position Bank CET1 ratio stood at 11.71%, well above regulatory well-capitalized minimums, supporting balance sheet strength.
Deposit Franchise Growth Total deposits increased $138.8M from year-end, reflecting continued focus on growing stable customer funding sources.

Risk Factors

Nonaccrual Loans Spike Nonaccrual loans increased significantly to $49.6M (0.62% of loans) from $27.9M at December 31, 2024.
Credit Provision Increase Q3 provision for credit losses rose $3.2M due to specific reserves and higher loss rates in the construction portfolio.
Substandard Loans Rising Substandard loans grew $24.6M to $134.4M, primarily due to the addition of three commercial relationships downgraded during Q3.
Liquidity Funding Mix Brokered deposits decreased $24.8M, though overall liquidity remains strong with significant FHLB borrowing capacity available.

Outlook

Deposit Growth Priority Management prioritizes growing the deposit franchise to reduce reliance on more volatile brokered deposits and borrowings.
Credit Quality Monitoring Expect continued close monitoring of CRE and construction portfolios following recent increases in specific reserves and nonaccruals.
Strategic Focus Areas Strategic priorities for 2025 focus on growing deposit franchise, core profitability, asset quality, and talent engagement.
Tax Disclosure Adaptation The company will provide updated disclosures regarding income tax information in the upcoming Form 10-K for 2025.

Peer Comparison

Revenue (TTM)

Merchants BancorpMBIN
$1.39B
-1.8%
First Merchants CorporationFRME
$1.04B
-2.0%
Hope Bancorp, Inc.HOPE
$945.24M
-8.9%

Gross Margin (Latest Quarter)

National Bank Holdings CorporationNBHC
72.0%
+5.7pp
S&T Bancorp, Inc.STBA
64.4%
-3.1pp
First Merchants CorporationFRME
60.5%
+3.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
FRME$2.21B9.49.9%6.3%
TCBK$1.57B13.59.3%0.9%
SRCE$1.57B10.512.7%1.9%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
18.7%
Strong Growth
4Q Net Income CAGR
32.7%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$0.89
|
Revenue:$103.46M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $232.62M+62.3%
    |
    EPS: $0.91+7.1%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $142.41M+0.2%
    |
    EPS: $0.83-7.8%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $135.28M-3.8%
    |
    EPS: $0.87+6.1%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 3, 2025|
    Revenue: $564.96M+5.5%
    |
    EPS: $3.43-9.3%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 31, 2024|
    Revenue: $143.35M+6.1%
    |
    EPS: $0.85-3.4%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 1, 2024|
    Revenue: $142.07M+8.0%
    |
    EPS: $0.90+0.0%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 2, 2024|
    Revenue: $140.58M+13.3%
    |
    EPS: $0.82-19.6%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 27, 2024|
    Revenue: $535.52M+34.2%
    |
    EPS: $3.78+8.9%
    Beat