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)

11.6

14.2

Dividend Yield

3.5%

52W High

$44.91

52W Low

$30.84

52W Range

66%

Rank36Top 31.8%

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: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$145.44M+4.67%

4-Quarter Trend

EPS

$0.88+2.33%

4-Quarter Trend

FCF

$35.81M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

NIM Expansion Despite Rates Net Interest Margin (FTE) increased 8 basis points to 3.90% due to strategic balance sheet repositioning and funding mix improvement.

Loan and Deposit Scale Up Total portfolio loans grew to $8.1B, supported by $175.7M in total deposit growth, strengthening the core funding base.

Profitability Rises Modestly Net Income reached $134.2M in 2025, yielding diluted EPS of $3.49, driven by higher net interest income.

Robust Capital Strength Maintained CET1 ratio stood at 14.32% for S&T, significantly exceeding regulatory minimums and meeting the fully phased-in capital conservation buffer.

Risk Factors

Credit Quality Deterioration Net loan charge-offs increased to $14.5M (0.18% of loans) from $8.3M in 2024, leading to a higher provision expense of $7.4M.

CRE/C&I Portfolio Concentration Commercial loans comprise 68.5% of the portfolio, concentrating credit risk in regional economic conditions, especially CRE exposure.

Cybersecurity and Third-Party Risk High dependency on IT systems and vendors exposes the bank to material losses from cyber attacks, requiring continuous security investment.

Regulatory Compliance Costs Future growth may trigger asset thresholds, exposing the bank to heightened supervisory scrutiny and increased operational compliance costs.

Outlook

NIM Stability Focus ALCO will continue utilizing interest rate swaps to manage exposure and stabilize net interest income against future rate volatility.

Credit Loss Forecasting Complexity ACL determination remains highly judgmental, sensitive to macroeconomic forecasts, requiring ongoing monitoring of credit quality indicators.

Core Deposit Franchise Growth Strategic priorities include growing the deposit franchise and improving core profitability metrics for long-term success.

Managing Interest Rate Risk The bank remains asset-sensitive, but future NIM performance depends on managing liability repricing relative to asset yields.

Peer Comparison

Revenue (TTM)

MBIN

$1.36B

-5.9%

FRME

$1.05B

-0.3%

HOPE

$967.80M

-3.2%

Gross Margin (Latest Quarter)

TCBK

79.7%

+5.9pp

GABC

74.0%

+2.9pp

SRCE

73.6%

+5.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
FRME	$2.33B	9.3	9.5%	5.3%
MBIN	$1.92B	8.8	9.9%	19.8%
STEL	$1.80B	17.6	6.3%	0.4%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.4%

Moderate Growth

4Q Net Income CAGR

0.6%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 16, 2026

EPS:$0.86

Revenue:$103.61M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data