STBA · S&t Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $44.04M | - | $43.84M | $39.98M | $41.70M | - | $41.44M | $42.87M | - | $41.27M |
| Interest Expense | - | - | - | - | - | - | - | $45.17M | - | $35.57M |
| Income Tax | $8.97M | - | $8.87M | $8.08M | $8.30M | - | $8.85M | $8.50M | - | $7.80M |
| Net Income | $35.07M | - | $34.96M | $31.90M | $33.40M | - | $32.59M | $34.37M | - | $33.47M |
| EPS - Basic | $0.95 | - | $0.91 | $0.83 | $0.87 | - | $0.85 | $0.90 | - | $0.88 |
| EPS - Diluted | $0.94 | - | $0.91 | $0.83 | $0.87 | - | $0.85 | $0.89 | - | $0.87 |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $339.06M | $163.44M | $196.23M | $203.12M | $211.84M | $244.82M | $228.09M | $246.31M | $233.61M | $238.45M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $9.94B | $9.87B | $9.82B | $9.81B | $9.72B | $9.66B | $9.58B | $9.64B | $9.55B | $9.47B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $8.51B | $8.41B | $8.34B | $8.36B | $8.30B | $8.28B | $8.21B | $8.31B | $8.27B | $8.24B |
| Stockholders' Equity | $1.43B | $1.46B | $1.48B | $1.45B | $1.42B | $1.38B | $1.38B | $1.32B | $1.28B | $1.22B |
| Retained Earnings | $1.14B | $1.12B | $1.10B | $1.08B | $1.06B | $1.04B | $1.02B | $999.12M | $959.60M | $935.16M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $42.52M | - | - | - | $28.69M | - | - | $46.38M | - | - |
| Investing Cash Flow | $84.80M | - | - | - | ($103.41M) | - | - | ($8.34M) | - | - |
| Financing Cash Flow | $48.30M | - | - | - | $41.74M | - | - | ($64.19M) | - | - |
| CapEx | $969.0K | - | - | - | $1.73M | - | - | $643.0K | - | - |
| Free Cash Flow | $41.56M | - | - | - | $26.97M | - | - | $45.73M | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.18 | - | - | - | 0.81 | - | - | 1.33 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.4% | - | 20.2% | 20.2% | 19.9% | - | 21.4% | 19.8% | - | 18.9% |
| Return on assets | 0.4% | - | 0.4% | 0.3% | 0.3% | - | 0.3% | 0.4% | - | 0.4% |
| Return on equity | 2.5% | - | 2.4% | 2.2% | 2.4% | - | 2.4% | 2.6% | - | 2.7% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.9x | - | 1.2x |
| Equity multiplier | 6.95 | 6.74 | 6.65 | 6.79 | 6.85 | 7.00 | 6.97 | 7.29 | 7.44 | 7.74 |
| Liabilities / Assets | 0.86 | 0.85 | 0.85 | 0.85 | 0.85 | 0.86 | 0.86 | 0.86 | 0.87 | 0.87 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 44.5x | - | 41.3x | 45.6x | 42.6x | - | 49.4x | 37.5x | - | 31.1x |
| P / B | 1.1x | - | 1.0x | 1.0x | 1.0x | - | 1.2x | 1.0x | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 5.6% | - | 5.8% | - | -2.7% | - | 0.4% | -13.2% | - | -11.1% |
| Net income growth (YoY) | 5.0% | - | 7.3% | - | -2.8% | - | -2.6% | -13.6% | - | -10.2% |
| EPS growth (YoY) | 8.0% | - | 7.1% | - | -2.2% | - | -2.3% | -12.7% | - | -8.4% |
| EPS CAGR (3y) | -2.7% | - | -1.4% | 3.9% | 5.5% | - | 6.7% | 3.2% | - | 26.5% |
| EPS CAGR (5y) | 3.0% | - | 16.2% | - | 20.7% | - | 1.5% | 6.2% | - | -0.2% |
| FCF growth (YoY) | 54.1% | - | - | - | -41.0% | - | - | 13.0% | - | - |
| FCF CAGR (5y) | -14.2% | - | - | - | - | - | - | 9.8% | - | - |
| Book value growth (YoY) | 0.9% | 6.1% | 7.2% | - | 7.3% | 7.5% | 12.4% | 7.6% | 8.3% | 6.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2024-12-31.
Product / service
$48.12M totalCredit And Debit Card$18.26M · 38.0%
Deposit Account$16.27M · 33.8%
Wealth Management$12.26M · 25.5%
Product And Service Other$1.32M · 2.8%
Peer comparison
Same SIC group: State Commercial Banks
Comparing S&T BANCORP INC against the 5 most active filers in the same SIC group.
Dividends
$1.43/share trailing 12 months · +5.9% YoY
| Ex-date | Per share |
|---|---|
| May 14, 2026 | $0.3700 |
| Feb 12, 2026 | $0.3600 |
| Nov 13, 2025 | $0.3600 |
| Aug 14, 2025 | $0.3400 |
| May 15, 2025 | $0.3400 |
| Feb 13, 2025 | $0.3400 |
| Nov 7, 2024 | $0.3400 |
| Aug 8, 2024 | $0.3300 |
| May 8, 2024 | $0.3300 |
| Feb 7, 2024 | $0.3300 |
| Nov 8, 2023 | $0.3300 |
| Aug 9, 2023 | $0.3200 |
| May 10, 2023 | $0.3200 |
| Feb 9, 2023 | $0.3200 |
| Nov 2, 2022 | $0.3100 |
| Aug 3, 2022 | $0.3000 |
| May 4, 2022 | $0.3000 |
| Feb 9, 2022 | $0.2900 |
| Nov 3, 2021 | $0.2900 |
| Aug 4, 2021 | $0.2800 |
| May 5, 2021 | $0.2800 |
| Feb 10, 2021 | $0.2800 |
| Nov 4, 2020 | $0.2800 |
| Aug 12, 2020 | $0.2800 |