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

$1.54B

PER (TTM)

11.6

14.5

配当利回り

3.5%

52週高値

$44.91

52週安値

$30.84

52週レンジ

67%

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

$35.81M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

MBIN

$1.36B

-5.9%

FRME

$1.05B

-0.3%

HOPE

$967.80M

-3.2%

粗利益率 (最新四半期)

TCBK

79.7%

+5.9pp

GABC

74.0%

+2.9pp

SRCE

73.6%

+5.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
FRME	$2.31B	9.3	9.5%	5.3%
MBIN	$1.91B	8.7	9.9%	19.8%
STEL	$1.80B	17.6	6.3%	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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月16日

EPS:$0.86

売上高:$103.61M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし