S & T Bancorp Inc Financials

STBA

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 47/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

S & T Bancorp Inc's revenue grew 7.9% year-over-year to $515.9M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

S & T Bancorp Inc has elevated debt relative to equity (D/E of 6.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

S & T Bancorp Inc converts 33.0% of revenue into free cash flow ($170.4M). This strong cash generation earns a score of 100/100.

Returns

S & T Bancorp Inc's ROE of 9.5% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 11.3% the prior year.

Piotroski F-Score Neutral

4/9

S & T Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.32x

For every $1 of reported earnings, S & T Bancorp Inc generates $1.32 in operating cash flow ($173.4M OCF vs $131.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows S & T Bancorp Inc (STBA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$515.9M

YoY+7.9%

5Y CAGR+10.0%

10Y CAGR+12.4%

S & T Bancorp Inc generated $515.9M in revenue in fiscal year 2024. This represents an increase of 7.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$170.4M

YoY+2.9%

5Y CAGR+5.0%

10Y CAGR+8.8%

S & T Bancorp Inc generated $170.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 2.9% from the prior year.

Net Income

$131.3M

YoY-9.3%

5Y CAGR+6.0%

10Y CAGR+8.5%

S & T Bancorp Inc reported $131.3M in net income in fiscal year 2024. This represents a decrease of 9.3% from the prior year.

EPS (Diluted)

$3.41

YoY-8.8%

5Y CAGR+3.9%

10Y CAGR+5.7%

S & T Bancorp Inc earned $3.41 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 8.8% from the prior year.

Cash & Debt

$244.8M

YoY+4.8%

5Y CAGR+4.4%

10Y CAGR+8.4%

S & T Bancorp Inc held $244.8M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.33

YoY+3.1%

5Y CAGR+4.1%

10Y CAGR+6.9%

S & T Bancorp Inc paid $1.33 per share in dividends in fiscal year 2024. This represents an increase of 3.1% from the prior year.

Shares Outstanding

38M

YoY+0.1%

5Y CAGR-0.7%

10Y CAGR+2.5%

S & T Bancorp Inc had 38M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.4%

YoY-4.8pp

5Y CAGR-5.2pp

10Y CAGR-10.6pp

S & T Bancorp Inc's net profit margin was 25.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 4.8 percentage points from the prior year.

Return on Equity

9.5%

YoY-1.8pp

5Y CAGR+1.3pp

10Y CAGR-0.0pp

S & T Bancorp Inc's ROE was 9.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.8 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

YoY-100.0%

S & T Bancorp Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

$3.0M

YoY-51.9%

5Y CAGR-10.3%

10Y CAGR-5.1%

S & T Bancorp Inc invested $3.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 51.9% from the prior year.

STBA Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$515.9M+7.9%	$477.9M+40.2%	$340.8M+17.8%	$289.3M-9.7%	$320.5M0.0%	$320.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$181.1M+40.9%	$128.5M+414.6%	$25.0M+89.9%	$13.2M-68.0%	$41.1M-44.3%	$73.7M
Income Tax	$33.6M-1.4%	$34.0M+1.8%	$33.4M+31.9%	$25.3M+2532600.0%	-$1K-100.0%	$19.1M
Net Income	$131.3M-9.3%	$144.8M+6.8%	$135.5M+22.8%	$110.3M+424.4%	$21.0M-78.6%	$98.2M
EPS (Diluted)	$3.41-8.8%	$3.74+8.1%	$3.46+23.1%	$2.81+430.2%	$0.53-81.2%	$2.82

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$131.6M+2.1%	$128.9M+3.3%	$124.8M-2.4%	$127.9M-0.7%	$128.8M+0.8%	$127.8M+0.8%	$126.7M+3.0%	$123.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$42.4M+0.1%	$42.3M+1.9%	$41.5M-6.9%	$44.6M-1.2%	$45.2M+2.0%	$44.3M+6.4%	$41.6M+16.9%	$35.6M
Income Tax	$8.9M+9.8%	$8.1M-2.6%	$8.3M+0.2%	$8.3M-2.6%	$8.5M+7.3%	$7.9M-11.8%	$9.0M+15.1%	$7.8M
Net Income	$35.0M+9.6%	$31.9M-4.5%	$33.4M+1.0%	$33.1M-3.8%	$34.4M+10.0%	$31.2M-15.7%	$37.0M+10.7%	$33.5M
EPS (Diluted)	$0.91+9.6%	$0.83-4.6%	$0.87+1.2%	$0.86-3.4%	$0.89+9.9%	$0.81-15.6%	$0.96+10.3%	$0.87

STBA Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$9.7B+1.1%	$9.6B+4.8%	$9.1B-4.0%	$9.5B+5.8%	$9.0B+2.3%	$8.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$244.8M+4.8%	$233.6M+11.2%	$210.0M-77.2%	$922.2M+301.5%	$229.7M+16.1%	$197.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M+0.5%	$371.6M
Total Liabilities	$8.3B+0.1%	$8.3B+4.3%	$7.9B-4.3%	$8.3B+6.0%	$7.8B+3.2%	$7.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$115.1M
Total Equity	$1.4B+7.5%	$1.3B+8.3%	$1.2B-1.8%	$1.2B+4.5%	$1.2B-3.1%	$1.2B
Retained Earnings	$1.0B+8.3%	$959.6M+11.1%	$863.9M+11.7%	$773.7M+9.0%	$710.1M-6.7%	$761.1M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$9.8B+0.1%	$9.8B+0.9%	$9.7B+0.6%	$9.7B+0.2%	$9.6B+1.0%	$9.5B-0.1%	$9.6B+0.9%	$9.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$196.2M-3.4%	$203.1M-4.1%	$211.8M-13.5%	$244.8M-0.6%	$246.3M+18.7%	$207.5M-11.2%	$233.6M-2.0%	$238.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M
Total Liabilities	$8.3B-0.3%	$8.4B+0.8%	$8.3B+0.3%	$8.3B-0.4%	$8.3B+0.8%	$8.2B-0.3%	$8.3B+0.3%	$8.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.5B+2.1%	$1.4B+1.9%	$1.4B+2.7%	$1.4B+4.5%	$1.3B+2.0%	$1.3B+0.9%	$1.3B+4.9%	$1.2B
Retained Earnings	$1.1B+2.0%	$1.1B+1.8%	$1.1B+2.0%	$1.0B+4.0%	$999.1M+2.2%	$977.2M+1.8%	$959.6M+2.6%	$935.2M

STBA Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$173.4M+0.9%	$171.7M-28.6%	$240.5M+11.9%	$214.9M+316.8%	$51.6M-62.8%	$138.4M
Capital Expenditures	$3.0M-51.9%	$6.2M+61.0%	$3.9M+7.0%	$3.6M-33.3%	$5.4M+5.1%	$5.2M
Free Cash Flow	$170.4M+2.9%	$165.5M-30.1%	$236.7M+12.0%	$211.2M+357.9%	$46.1M-65.4%	$133.3M
Investing Cash Flow	-$118.3M+73.4%	-$444.2M-11.4%	-$398.7M-3111.4%	$13.2M+108.3%	-$159.2M+24.4%	-$210.6M
Financing Cash Flow	-$43.9M-114.8%	$296.1M+153.4%	-$554.1M-219.3%	$464.5M+233.0%	$139.5M+21.9%	$114.5M
Dividends Paid	$51.0M+2.5%	$49.7M+5.9%	$47.0M+5.9%	$44.3M+0.9%	$43.9M+17.6%	$37.4M
Share Buybacks	$0-100.0%	$19.8M+159.4%	$7.6M	$0-100.0%	$12.6M-31.1%	$18.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$40.5M+43.2%	$28.3M-1.4%	$28.7M-47.5%	$54.6M+22.0%	$44.7M-3.5%	$46.4M+50.2%	$30.9M-46.6%	$57.8M
Capital Expenditures	$604K-49.2%	$1.2M-31.1%	$1.7M+88.4%	$916K+7.9%	$849K+59.3%	$533K-58.9%	$1.3M-41.9%	$2.2M
Free Cash Flow	$39.9M+47.2%	$27.1M+0.5%	$27.0M-49.8%	$53.7M+22.3%	$43.9M-4.3%	$45.8M+55.0%	$29.6M-46.8%	$55.6M
Investing Cash Flow	-$20.2M+80.8%	-$105.3M-1.8%	-$103.4M-59.1%	-$65.0M-4.3%	-$62.3M-647.3%	-$8.3M+92.2%	-$106.6M+49.6%	-$211.5M
Financing Cash Flow	-$27.2M-139.8%	$68.3M+63.6%	$41.7M+53.9%	$27.1M-51.9%	$56.4M+187.9%	-$64.2M-190.6%	$70.9M-56.8%	$164.2M
Dividends Paid	$13.1M-0.9%	$13.2M+1.2%	$13.0M0.0%	$13.0M+2.4%	$12.7M+0.7%	$12.6M0.0%	$12.6M+2.4%	$12.3M
Share Buybacks	N/A	N/A	N/A	$0	N/A	N/A	$0	$0

STBA Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.4%-4.8pp	30.3%-9.5pp	39.8%+1.6pp	38.1%+31.6pp	6.6%-24.1pp	30.6%
Return on Equity	9.5%-1.8pp	11.3%-0.2pp	11.4%+2.3pp	9.2%+7.3pp	1.8%-6.4pp	8.2%
Return on Assets	1.4%-0.2pp	1.5%+0.0pp	1.5%+0.3pp	1.2%+0.9pp	0.2%-0.9pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.00-0.4	6.44-0.2	6.69-0.2	6.86+0.1	6.77+6.7	0.10
FCF Margin	33.0%-1.6pp	34.6%-34.8pp	69.5%-3.6pp	73.0%+58.6pp	14.4%-27.2pp	41.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	26.6%+1.8pp	24.8%-2.0pp	26.8%+0.9pp	25.9%-0.8pp	26.7%+2.2pp	24.4%-4.8pp	29.2%+2.0pp	27.2%
Return on Equity	2.4%+0.2pp	2.2%-0.1pp	2.4%-0.0pp	2.4%-0.2pp	2.6%+0.2pp	2.4%-0.5pp	2.9%+0.1pp	2.7%
Return on Assets	0.4%+0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.0pp	0.4%+0.0pp	0.3%-0.1pp	0.4%+0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.65-0.1	5.79-0.1	5.85-0.1	6.00-0.3	6.29-0.1	6.37-0.1	6.44-0.3	6.74
FCF Margin	30.3%+9.3pp	21.0%-0.6pp	21.6%-20.4pp	42.0%+7.9pp	34.1%-1.8pp	35.9%+12.6pp	23.3%-21.9pp	45.2%

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Frequently Asked Questions

What is S & T Bancorp Inc's annual revenue?

S & T Bancorp Inc (STBA) reported $515.9M in total revenue for fiscal year 2024. This represents a 7.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is S & T Bancorp Inc's revenue growing?

S & T Bancorp Inc (STBA) revenue grew by 7.9% year-over-year, from $477.9M to $515.9M in fiscal year 2024.

Is S & T Bancorp Inc profitable?

Yes, S & T Bancorp Inc (STBA) reported a net income of $131.3M in fiscal year 2024, with a net profit margin of 25.4%.

What is S & T Bancorp Inc's earnings per share (EPS)?

S & T Bancorp Inc (STBA) reported diluted earnings per share of $3.41 for fiscal year 2024. This represents a -8.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is S & T Bancorp Inc's net profit margin?

S & T Bancorp Inc (STBA) had a net profit margin of 25.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does S & T Bancorp Inc pay dividends?

Yes, S & T Bancorp Inc (STBA) paid $1.33 per share in dividends during fiscal year 2024.

What is S & T Bancorp Inc's return on equity (ROE)?

S & T Bancorp Inc (STBA) has a return on equity of 9.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is S & T Bancorp Inc's free cash flow?

S & T Bancorp Inc (STBA) generated $170.4M in free cash flow during fiscal year 2024. This represents a 2.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is S & T Bancorp Inc's operating cash flow?

S & T Bancorp Inc (STBA) generated $173.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are S & T Bancorp Inc's total assets?

S & T Bancorp Inc (STBA) had $9.7B in total assets as of fiscal year 2024, including both current and long-term assets.

What are S & T Bancorp Inc's capital expenditures?

S & T Bancorp Inc (STBA) invested $3.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does S & T Bancorp Inc have outstanding?

S & T Bancorp Inc (STBA) had 38M shares outstanding as of fiscal year 2024.

What is S & T Bancorp Inc's debt-to-equity ratio?

S & T Bancorp Inc (STBA) had a debt-to-equity ratio of 6.00 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is S & T Bancorp Inc's return on assets (ROA)?

S & T Bancorp Inc (STBA) had a return on assets of 1.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is S & T Bancorp Inc's Piotroski F-Score?

S & T Bancorp Inc (STBA) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are S & T Bancorp Inc's earnings high quality?

S & T Bancorp Inc (STBA) has an earnings quality ratio of 1.32x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is S & T Bancorp Inc?

S & T Bancorp Inc (STBA) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.