S&T Bancorp, Inc. logo

S&T Bancorp, Inc.

STBA

NASDAQFinancial ServicesBanks - Regional

Previous close

$50.38

+$0.18 · +0.36%

Aug 21, 4:00 PM ET

STBA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

71

Undervalued

Momentum

57

Neutral

Sentiment

70

Bullish

Risk resilience

80

Low Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

S&T Bancorp, Inc. operates as the parent company for S&T Bank, providing a comprehensive range of retail and commercial banking products and services. The company's business activities are structured into six main divisions: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. This financial institution handles various deposit types, including both time-based and on-demand accounts. It extends loans to both commercial entities and individual consumers, alongside offering cash management services, and brokerage and trust administration. Furthermore, S&T Bancorp acts as a guardian and custodian for employee benefit plans and manages private investment portfolios for individuals and institutions alike. Beyond core banking, the company engages in distributing life insurance and long-term disability income insurance products. It also provides title insurance agency services to its commercial clients and serves as a reinsurer for credit life, accident, and health insurance policies. As of December 31, 2021, its operational presence encompassed 73 banking branches and 5 loan production offices. These facilities are strategically located across Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and has its corporate headquarters in Indiana, Pennsylvania.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Christopher J. McComish
Listed since
Apr 21, 1992
Employees
1,209

Market position

Day range

Current $50.38

52-week range

Current $50.38

Open
$50.315
Previous close
$50.20
Volume
186.84K
0.72× average
Average volume
259.36K
Average daily volume
Market cap
1.78B USD
Beta
0.84
Market reference 1
50-day average
$49.9562
+0.85% above average
200-day average
$44.0535
+14.36% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.66B USD
P/E (TTM)
13.47×
P/B (TTM)
1.31×
P/S (TTM)
3.18×
EV / EBITDA
9.5×
Earnings yield
8.86%
Free cash flow yield
8.51%
Dividend yield
2.90%

Profitability & efficiency

Gross margin
69.95%
Operating margin
28.79%
Net margin
25.17%
Return on equity
9.17%
Return on assets
1.36%
Return on invested capital
8.26%

Financial health

Debt / equity
0.2×
Current ratio
6.98×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends99%71%44%16%Gross margin, FY2021: 91.70%Gross margin, FY2022: 91.65%Gross margin, FY2023: 72.67%Gross margin, FY2024: 67.93%Gross margin, FY2025: 69.43%Operating margin, FY2021: 38.33%Operating margin, FY2022: 42.34%Operating margin, FY2023: 33.39%Operating margin, FY2024: 29.17%Operating margin, FY2025: 29.54%Net margin, FY2021: 31.17%Net margin, FY2022: 33.96%Net margin, FY2023: 27.04%Net margin, FY2024: 23.23%Net margin, FY2025: 23.61%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.70%. Gross margin FY2022 91.65%. Gross margin FY2023 72.67%. Gross margin FY2024 67.93%. Gross margin FY2025 69.43%. Operating margin FY2021 38.33%. Operating margin FY2022 42.34%. Operating margin FY2023 33.39%. Operating margin FY2024 29.17%. Operating margin FY2025 29.54%. Net margin FY2021 31.17%. Net margin FY2022 33.96%. Net margin FY2023 27.04%. Net margin FY2024 23.23%. Net margin FY2025 23.61%.

Income trends

Revenue

568.51M USD+0.63%

Operating income

167.94M USD+1.89%

Net income

134.23M USD+2.26%
Income trends across reported periods614.33M USD431.06M USD247.79M USD64.53M USDRevenue, FY2021: 353.96M USDRevenue, FY2022: 399.01M USDRevenue, FY2023: 535.52M USDRevenue, FY2024: 564.96M USDRevenue, FY2025: 568.51M USDOperating income, FY2021: 135.67M USDOperating income, FY2022: 168.93M USDOperating income, FY2023: 178.8M USDOperating income, FY2024: 164.82M USDOperating income, FY2025: 167.94M USDNet income, FY2021: 110.34M USDNet income, FY2022: 135.52M USDNet income, FY2023: 144.78M USDNet income, FY2024: 131.27M USDNet income, FY2025: 134.23M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 353.96M USD. Revenue FY2022 399.01M USD. Revenue FY2023 535.52M USD. Revenue FY2024 564.96M USD. Revenue FY2025 568.51M USD. Operating income FY2021 135.67M USD. Operating income FY2022 168.93M USD. Operating income FY2023 178.8M USD. Operating income FY2024 164.82M USD. Operating income FY2025 167.94M USD. Net income FY2021 110.34M USD. Net income FY2022 135.52M USD. Net income FY2023 144.78M USD. Net income FY2024 131.27M USD. Net income FY2025 134.23M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue568.51M USD564.96M USD535.52M USD399.01M USD353.96M USD
Cost of goods sold173.82M USD181.2M USD146.38M USD33.33M USD29.36M USD
Gross profit394.7M USD383.76M USD389.14M USD365.68M USD324.59M USD
Selling, general, and administrative137.79M USD132.54M USD122.07M USD111.68M USD108.99M USD
Operating expenses226.76M USD218.94M USD210.33M USD196.75M USD188.93M USD
Interest income516.49M USD514.82M USD475.59M USD340.19M USD288.76M USD
Interest expense166.39M USD181.07M USD128.49M USD24.97M USD13.15M USD
Depreciation and amortization7.11M USD10.87M USD7.52M USD9.03M USD11.48M USD
Operating income167.94M USD164.82M USD178.8M USD168.93M USD135.67M USD
Net income134.23M USD131.27M USD144.78M USD135.52M USD110.34M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 0 misses, 1 met estimate
Average EPS surprise
+8.88%
11 comparable reports
Latest EPS result
1.02
Estimate 0.92 · Beat by 10.99%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.060.940.820.7Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MetQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.86, estimate 0.78, surprise +10.26%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.87, estimate 0.74, surprise +17.57%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.83, estimate 0.8, surprise +3.75%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.91, estimate 0.858, surprise +6.06%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.89, estimate 0.89, surprise 0.00%, Met estimate. Q2 2026, reported Apr 23, 2026: actual 0.94, estimate 0.867, surprise +8.42%, Beat. Q3 2026, reported Jul 23, 2026: actual 1.02, estimate 0.919, surprise +10.99%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.98, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates111M103.83M96.66M89.48MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 94.33M USD, estimate 96M USD, surprise -1.74%, Miss. Q2 2025, reported Apr 24, 2025: actual 93.75M USD, estimate 96.4M USD, surprise -2.75%, Miss. Q3 2025, reported Jul 24, 2025: actual 100.07M USD, estimate 102.2M USD, surprise -2.08%, Miss. Q4 2025, reported Oct 23, 2025: actual 103M USD, estimate 102.97M USD, surprise +0.03%, Beat. Q1 2026, reported Jan 22, 2026: actual 105.29M USD, estimate 103.46M USD, surprise +1.77%, Beat. Q2 2026, reported Apr 23, 2026: actual 102.08M USD, estimate 103.62M USD, surprise -1.49%, Miss. Q3 2026, reported Jul 23, 2026: actual 105.24M USD, estimate 104.43M USD, surprise +0.78%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 106.73M USD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.38

2025 complete year+22.1% since 2021

2026 partial: $1.10

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 18, 2026

$0.37

Quarterly

Record Aug 18, 2026 · Payment Aug 27, 2026

Dividend

Ex-dividend May 14, 2026

$0.37

Quarterly

Record May 14, 2026 · Payment May 28, 2026

Dividend

Ex-dividend Feb 12, 2026

$0.36

Quarterly

Record Feb 12, 2026 · Payment Feb 26, 2026

Dividend

Ex-dividend Nov 13, 2025

$0.36

Quarterly

Record Nov 13, 2025 · Payment Nov 28, 2025

Dividend

Ex-dividend Aug 14, 2025

$0.34

Quarterly

Record Aug 14, 2025 · Payment Aug 28, 2025

Dividend

Ex-dividend May 15, 2025

$0.34

Quarterly

Record May 15, 2025 · Payment May 29, 2025

STBA peers

ETFs holding STBA

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research STBA

research.disclaimer