Logo

STBA

S&T Bancorp, Inc.

STBA

S&T Bancorp, Inc. • NASDAQ
$39.48 ▼ -0.03% (-0.01)
Market Cap $1.51 B
52w High $43.67
52w Low $30.84
Dividend Yield 1.38%
P/E 11.41
Volume 173.84K
Outstanding Shares 38.30M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $232.618M ▲ $63.607M ▲ $77.344M ▲ 33.249% ▲ $0.91 ▲ $86.218M ▲
Q2-2025 $142.406M ▲ $58.114M ▲ $31.9M ▼ 22.401% ▼ $0.83 ▼ $39.984M ▼
Q1-2025 $135.277M ▼ $55.091M ▼ $33.401M ▲ 24.691% ▲ $0.87 ▲ $41.701M ▲
Q4-2024 $138.95M ▼ $55.445M ▲ $33.065M ▲ 23.796% ▲ $0.86 ▲ $41.346M ▼
Q3-2024 $143.351M $55.365M $32.59M 22.734% $0.85 $41.443M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.197B ▼ $9.817B ▲ $8.342B ▼ $1.475B ▲
Q2-2025 $1.224B ▲ $9.81B ▲ $8.365B ▲ $1.445B ▲
Q1-2025 $1.223B ▼ $9.718B ▲ $8.3B ▲ $1.418B ▲
Q4-2024 $1.232B ▼ $9.658B ▲ $8.278B ▲ $1.38B ▲
Q3-2024 $1.239B $9.584B $8.208B $1.376B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $17.94M ▲ $40.489M ▲ $-20.194M ▲ $-27.185M ▼ $-6.89M ▲ $43.405M ▲
Q2-2025 $0 $28.284M ▼ $-105.298M ▼ $68.296M ▲ $-8.718M ▲ $27.094M ▲
Q1-2025 $0 $28.692M ▼ $-103.414M ▼ $41.738M ▲ $-32.984M ▼ $26.966M ▼
Q4-2024 $0 $54.782M ▲ $-65.175M ▼ $27.123M ▲ $16.73M ▲ $53.922M ▲
Q3-2024 $0 $27.539M $17.457M $-63.216M $-18.22M $26.814M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit and Debit Card
Credit and Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Wealth Management
Wealth Management
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Over the past several years, S&T Bancorp’s income statement shows a steady, conservative growth story rather than aggressive expansion. Revenue has generally trended upward, and profitability has been consistently solid after a weak pandemic year. Operating and net income have moved broadly in line with revenue, suggesting decent cost control and relatively stable credit performance. Earnings per share have been healthy and fairly stable in recent years, with only modest fluctuations, which is typical of a disciplined community bank operating in a mature market. Overall, the income statement suggests a bank that is profitable, stable, and fairly well managed, but not a high-growth outlier.

Balance Sheet

Balance Sheet The balance sheet reflects a traditional, moderately growing regional bank. Total assets have edged up over time but not dramatically, indicating measured growth rather than rapid expansion. Equity has steadily increased, which points to consistent retention of earnings and a solid capital foundation. Debt levels have risen compared with earlier years, but not to an alarming degree, and still appear manageable in the context of the bank’s size and equity base. Cash balances spiked at one point and then normalized, which likely ties to precautionary liquidity during more uncertain periods and subsequent redeployment into loans or securities. Overall, the balance sheet looks conservative and stable, with capacity to support gradual growth.

Cash Flow

Cash Flow Cash flow appears steady and largely in sync with reported earnings, which is a good sign for a bank. Operating cash flow has been consistently positive, indicating that the core banking franchise generates reliable cash from its lending and fee activities. Free cash flow closely matches operating cash flow because capital spending needs are relatively low, reflecting the asset-light nature of modern banking where technology investments are more important than heavy physical infrastructure. This profile suggests S&T can fund its operations and moderate growth internally without stretching for external financing, though it still remains sensitive to broader funding conditions in the banking system.

Competitive Edge

Competitive Edge S&T Bancorp’s competitive edge comes more from relationships and regional depth than from sheer scale. It holds strong positions in its core markets, especially in parts of Pennsylvania, where it benefits from long-standing community ties and local decision-making. This relationship-focused model can be especially attractive to small and mid-sized businesses that value direct access to bankers who understand local conditions. The bank also differentiates by pairing traditional banking with wealth management and trust services, often delivered in partnership with larger financial firms, giving customers a more complete financial offering. Against bigger regional and national banks, S&T competes on personal service and local knowledge rather than price or technology leadership. The main risk is that larger competitors and digital-first players continue to push into its markets, forcing S&T to keep improving its digital and service capabilities to maintain its moat.

Innovation and R&D

Innovation and R&D S&T Bancorp takes a practical, partnership-driven approach to innovation rather than trying to build everything in-house. It uses leading third-party platforms such as the nCino cloud banking system to streamline commercial and small business lending, which can speed up decisions and improve customer experience without massive internal development costs. Tools like the “Merlin” digital guide and a reasonably modern online and mobile banking suite show a focus on making banking simpler and more intuitive for customers. In wealth management, the bank partners with Ameriprise to deliver broader planning and investment capabilities. Looking ahead, continued digital upgrades, tighter integration across products, and data-driven customer insights will be important to stay competitive. The Homer City redevelopment project is a notable strategic opportunity: if it progresses as planned, S&T is well placed to capture associated lending, deposit, and fee business, but the benefits will depend on execution and the project’s actual timing and scale.

Summary

S&T Bancorp presents as a financially sound, relationship-focused regional bank with steady, not flashy, performance. Its income statement points to consistent profitability, its balance sheet looks conservative with gradually rising capital, and its cash generation appears reliable and well aligned with reported earnings. Competitively, the bank leans on deep community roots, local decision-making, and integrated services rather than on raw size or cutting-edge proprietary technology. Its innovation strategy is pragmatic: adopt proven digital tools and strong partners to enhance the customer experience without overreaching. Key uncertainties center on the interest rate environment, credit quality in its regional markets, competitive pressure from larger banks and fintechs, and the execution of growth opportunities such as the Homer City project and potential acquisitions. Overall, the profile is one of a stable, conservatively run community bank aiming for measured, sustainable growth rather than rapid transformation.

NEWS

October 30, 2025 · 10:07 AM UTC

S&T BANCORP WELCOMES STEPHANIE N. DOLIVEIRA TO BOARD OF DIRECTORS

Read more

October 29, 2025 · 5:43 PM UTC

S&T Bancorp, Inc. Increases Quarterly Cash Dividend

Read more

October 23, 2025 · 7:30 AM UTC

S&T Bancorp, Inc. Announces Third Quarter 2025 Results

Read more

October 16, 2025 · 11:40 AM UTC

DAVID ANTOLIK, PRESIDENT OF S&T BANK, NAMED 2025 C-SUITE AWARD RECIPIENT BY PITTSBURGH BUSINESS TIMES

Read more

October 14, 2025 · 4:18 PM UTC

S&T BANK HONORED WITH NATIONAL ABA FOUNDATION COMMUNITY COMMITMENT AWARD

Read more