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S&T Bancorp, Inc.

S&T Bancorp, Inc.

NASDAQ•STBA
CEO: Mr. Christopher J. McComish
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
800 Philadelphia Street, Indiana, PA, 15701, United States
800-325-2265
www.stbancorp.com
時価総額
$1.66B
PER (TTM)
12.5
14.8
配当利回り
3.2%
52週高値
$44.80
52週安値
$30.84
52週レンジ
90%
順位36Top 31.8%
4.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$145.44M+4.67%
直近4四半期の推移

EPS

$0.88+2.33%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Merchants BancorpMBIN
$1.36B
-5.9%
First Merchants CorporationFRME
$1.05B
-0.3%
Hope Bancorp, Inc.HOPE
$967.80M
-3.2%

粗利益率 (最新四半期)

Republic Bancorp, Inc.RBCAA
100.0%
+6.8pp
TriCo BancsharesTCBK
79.7%
+5.9pp
German American Bancorp, Inc.GABC
74.0%
+2.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
FRME$2.63B10.69.5%5.3%
MBIN$2.17B9.99.9%19.8%
STEL$2.01B19.56.3%0.4%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.4%
緩やかな成長
4四半期純利益CAGR
0.6%
収益性の緩やかな改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $145.39M+1.4%
    |
    EPS: $0.91+7.1%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $142.41M+0.2%
    |
    EPS: $0.83-7.8%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $135.28M-3.8%
    |
    EPS: $0.87+6.1%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月3日|
    売上高: $564.96M+5.5%
    |
    EPS: $3.43-9.3%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月31日|
    売上高: $143.35M+6.1%
    |
    EPS: $0.85-3.4%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月1日|
    売上高: $142.07M+8.0%
    |
    EPS: $0.90+0.0%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月2日|
    売上高: $140.58M+13.3%
    |
    EPS: $0.82-19.6%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月27日|
    売上高: $535.52M+34.2%
    |
    EPS: $3.78+8.9%
    予想を上回る