S&T Bancorp Inc
STBA Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$51.02
KIRA · Stoqly’s AI analyst, in plain words
- S&T Bancorp Inc had $402M of revenue in fiscal 2025, up 4.7% on the year before. Over five years, revenue changed +3.5% a year on average.
- S&T Bancorp Inc made $134M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.1% a year.
- S&T Bancorp Inc returned $89.2M to shareholders in fiscal 2025, 69% of free cash flow. The diluted share count fell 0.1%.
- It earned 9.4% on shareholders’ money. Running costs took 56.4% of revenue (the efficiency ratio; lower is better).
Market cap
$1.8B
P/E
13.6x
Revenue
$402M
Net income
$134M
Return on equity
9.4%
Efficiency ratio
56.4%
S&T Bancorp Inc in 30 seconds · fiscal 2025
Are sales growing?
+4.7%
Only a little. Sales grew 4.7% last year.
Does it make a profit?
33.4%
Yes. It keeps 33.4% of every sale as profit.
How lean are its costs?
56.4%
Average. Running costs take 56.4% of revenue.
How much does it earn on its capital?
9.4%
Fair. It earns 9.4% a year on shareholders’ money.
How is the share priced?
13.6x
One share costs 13.6 times its yearly profit per share.
What S&T Bancorp Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- S&T BANCORP INC
- CIK
- 0000719220
S&T Bancorp Inc · STBA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $341M | $374M | $407M | $384M | $402M |
| Revenue growth | 0.5% | 9.8% | 8.8% | −5.7% | 4.7% |
| Net interest income | $276M | $316M | $349M | $335M | $350M |
| Net income | $110M | $136M | $145M | $131M | $134M |
| Net margin | 32.4% | 36.2% | 35.6% | 34.2% | 33.4% |
| Diluted EPS | $2.81 | $3.46 | $3.74 | $3.41 | $3.49 |
| Cash | |||||
| Cash from operations | $215M | $241M | $172M | $173M | $134M |
| Capital expenditure | $3.6M | $3.9M | $5.5M | $2.9M | $4.8M |
| Free cash flow | $211M | $237M | $166M | $170M | $129M |
| FCF margin | 62.0% | 63.3% | 40.8% | 44.4% | 32.0% |
| Dividends paid | $44.3M | $47.0M | $49.7M | $51.0M | $52.9M |
| Share buybacks | $0.0M | $7.6M | $19.8M | $0.0M | $36.3M |
| Share count change | −0.1% | −0.1% | −0.9% | −0.4% | −0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $922M | $210M | $234M | $245M | $163M |
| Debt incl. finance leases | $1.2M | $371M | $416M | $151M | $166M |
| Loans, net | $6.9B | $7.1B | $7.5B | $7.6B | $8.0B |
| Deposits | $8.0B | $7.2B | $7.5B | $7.8B | $8.0B |
| Shareholders' equity | $1.2B | $1.2B | $1.3B | $1.4B | $1.5B |
| Returns and quality | |||||
| Return on equity | 9.3% | 11.3% | 11.7% | 9.9% | 9.4% |
| Return on tangible equity | 13.3% | 16.8% | 16.0% | 13.1% | 12.3% |
| Efficiency ratio | 55.4% | 52.6% | 51.7% | 57.0% | 56.4% |
| Piotroski F-score | 6 | 6 | 6 | 5 | 5 |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$0.9M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
S&T Bancorp Inc · STBA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $51.02 a share, the company is worth $1.8B: 13.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000719220). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.