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Financials · STBA

S&T Bancorp Inc. (STBA) financials

For the twelve months ended Sep 30, 2026, S&T Bancorp Inc. reported $420.40M of revenue and $144.28M of net income.

Revenue, TTM
$420.40M
Revenue growth, YoY
+7.5%
Net income, TTM
$144.28M
Net income growth, YoY
+8.2%
Net margin
34.3%
Free cash flow, TTM
$168.73M
EPS, diluted, TTM
$3.93
EPS growth, YoY
+13.3%
Cash
$192.22M
P/E
12.56
P/S
4.31
Market cap
$1.81B
Annual revenue$402.12M
FY2016FY2025
Annual net income$134.23M
FY2016FY2025
Annual free cash flow$128.85M
FY2016FY2025

STBA revenue and earnings growth

STBA revenueQ3 2026$107.79M

Quarter YoY
+4.6%
QoQ
+2.4%
FY YoY
+4.7%
5Y CAGR
+3.5%
10Y CAGR
+5.4%

STBA revenue was $107.79M in fiscal Q3 2026 (ended Sep 30, 2026), up 4.6% from a year earlier and up 2.4% from the prior quarter. For the full fiscal 2025 it was $402.12M, up 4.7% from fiscal 2024. Compound annual growth was +3.5% over 5 years and +5.4% over 10 years. It rose in 9 of the last 10 fiscal years.

STBA net incomeQ3 2026$38.60M

Quarter YoY
+10.4%
QoQ
+5.3%
FY YoY
+2.3%
5Y CAGR
+44.9%
10Y CAGR
+7.2%

STBA net income was $38.60M in fiscal Q3 2026 (ended Sep 30, 2026), up 10.4% from a year earlier and up 5.3% from the prior quarter. For the full fiscal 2025 it was $134.23M, up 2.3% from fiscal 2024. Compound annual growth was +44.9% over 5 years and +7.2% over 10 years. It rose in 7 of the last 10 fiscal years.

STBA EPSQ3 2026$1.09

Quarter YoY
+19.8%
QoQ
+6.9%
FY YoY
+2.3%
5Y CAGR
+45.8%
10Y CAGR
+5.8%

STBA diluted EPS was $1.09 in fiscal Q3 2026 (ended Sep 30, 2026), up 19.8% from a year earlier and up 6.9% from the prior quarter. For the full fiscal 2025 it was $3.49, up 2.3% from fiscal 2024. Compound annual growth was +45.8% over 5 years and +5.8% over 10 years.

STBA free cash flowQ3 2026$66.69M

Quarter YoY
+62.5%
QoQ
+147.4%
FY YoY
-24.4%
5Y CAGR
+22.8%
10Y CAGR
+8.8%

STBA free cash flow was $66.69M in fiscal Q3 2026 (ended Sep 30, 2026), up 62.5% from a year earlier and up 147.4% from the prior quarter. For the full fiscal 2025 it was $128.85M, down 24.4% from fiscal 2024. Compound annual growth was +22.8% over 5 years and +8.8% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$402.12M$383.89M$407.03M$374.04M$340.81M$339.13M$299.35M$283.62M$281.19M$257.89M
Interest expense--$128.49M$24.97M$13.15M$41.08M$73.69M$55.39M$34.91M$24.52M
Pre-tax income$167.94M$164.82M$178.80M$168.93M$135.67M$21.04M$117.36M$123.18M$119.41M$96.70M
Income tax$33.71M$33.55M$34.02M$33.41M$25.32M-$1.0K$19.13M$17.84M$46.44M$25.30M
Net income$134.23M$131.26M$144.78M$135.52M$110.34M$21.04M$98.23M$105.33M$72.97M$71.39M
EPS, basic$3.51$3.43$3.76$3.47$2.81$0.54$2.84$3.03$2.10$2.06
EPS, diluted$3.49$3.41$3.74$3.46$2.81$0.53$2.82$3.01$2.09$2.05
Diluted shares38.5M38.5M38.7M39.0M39.1M39.1M34.7M35.0M35.0M34.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$163.44M$244.82M$233.61M$210.01M$922.22M$229.67M$197.82M$155.49M$117.15M$139.49M
Goodwill$373.42M$373.42M$373.42M$373.42M$373.42M$373.42M$371.62M$287.45M$291.67M$291.67M
Total assets$9.87B$9.66B$9.55B$9.11B$9.49B$8.97B$8.76B$7.25B$7.06B$6.94B
Short-term debt$165.00M$150.00M$415.00M$370.00M$0$140.16M$301.21M$488.38M$590.16M$710.83M
Total debt------$416.35M$604.32M$683.08M$771.16M
Total liabilities$8.41B$8.28B$8.27B$7.93B$8.28B$7.81B$7.57B$6.32B$6.18B$6.10B
Shareholders' equity$1.46B$1.38B$1.28B$1.18B$1.21B$1.15B$1.19B$935.76M$884.03M$841.96M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$133.62M$173.37M$171.75M$240.53M$214.85M$51.55M$138.42M$128.02M$114.24M$96.81M
Capital expenditures$4.77M$2.94M$5.51M$3.86M$3.61M$5.42M$5.15M$4.17M$4.69M$3.56M
Free cash flow$128.85M$170.43M$166.24M$236.66M$211.24M$46.14M$133.27M$123.84M$109.54M$93.25M
Investing cash flow-$314.80M-$118.29M-$444.22M-$398.68M$13.24M-$159.20M-$210.56M-$201.96M-$212.41M-$616.65M
Financing cash flow$99.80M-$43.87M$296.07M-$554.05M$464.46M$139.49M$114.47M$112.28M$75.84M$559.93M
Dividends paid$52.89M$50.97M$49.71M$46.95M$44.33M$43.95M$37.36M$34.54M$28.57M$26.78M
Share repurchases$36.27M$0$19.81M$7.64M$0$12.56M$18.22M$12.26M$0$0
Stock-based compensation$5.34M$4.62M$3.87M$3.19M$2.43M$724.0K$2.44M$1.89M$3.01M$2.54M
Depreciation and amortization$10.45M$10.87M$7.52M$9.03M$11.48M$12.07M$11.72M$7.30M$2.50M$3.63M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY4.7%-5.7%8.8%9.8%0.5%13.3%5.5%0.9%9.0%8.1%
Net income growth, YoY2.3%-9.3%6.8%22.8%424.4%-78.6%-6.7%44.4%2.2%6.4%
EPS growth, YoY2.3%-8.8%8.1%23.1%430.2%-81.2%-6.3%44.0%2.0%3.5%
Net margin33.4%34.2%35.6%36.2%32.4%6.2%32.8%37.1%25.9%27.7%
Free cash flow margin32.0%44.4%40.8%63.3%62.0%13.6%44.5%43.7%39.0%36.2%
Return on equity9.2%9.5%11.3%11.4%9.1%1.8%8.2%11.3%8.3%8.5%
Return on assets1.4%1.4%1.5%1.5%1.2%0.2%1.1%1.5%1.0%1.0%
Debt to equity------0.350.650.770.92

Source: XBRL data S&T Bancorp Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

STBA peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
STBA$420.40M+7.5%$144.28M34.3%$1.81B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

STBA FAQ

8 questions
  • What is STBA revenue?
    S&T Bancorp Inc. (STBA) reported $420.40M of revenue for the twelve months ended Sep 30, 2026. That is up 7.5% from the year before. Revenue for fiscal 2025 was $402.12M.
  • Is STBA profitable?
    Yes. S&T Bancorp Inc. earned $144.28M in net income for the twelve months ended Sep 30, 2026, a net margin of 34.3%.
  • How much cash and debt does STBA have?
    S&T Bancorp Inc. reported $192.22M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is STBA revenue growing?
    S&T Bancorp Inc.'s revenue changed +4.7% in fiscal 2025, to $402.12M. Its compound annual growth rate was +3.5% over 5 years and +5.4% over 10 years.
  • What is STBA free cash flow?
    S&T Bancorp Inc. generated $168.73M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $173.00M less capital expenditures.
  • What is STBA earnings per share?
    Diluted earnings per share were $3.93 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did STBA last report financial results?
    The latest statements here come from S&T Bancorp Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this STBA financial data come from?
    Quantisnow builds these statements from the structured XBRL data S&T Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.