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

S&T Bancorp Inc (STBA) reported diluted earnings per share of $3.49 for fiscal year 2025. This represents a 2.3% 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.

S&T Bancorp Inc (STBA) Financials

STBA

Trailing 12 months to June 30, 2026

Revenue $415.6M +8.1% YoY

Net Income $140.6M +7.4% YoY

EPS (Diluted) $3.76 +10.3% YoY

Free Cash Flow $143.1M +6.0% YoY

Market Cap $1.7B as of Oct 9, 2026

Price / Sales 4.1x on $415.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.0x on $140.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $1.4B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the STBA SEC filings page.

S&T Bancorp Inc (STBA) reported $415.6M in revenue over the twelve months to Jun 30, 2026, up 8.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI STBA FY2025 2026-10-04

The business operates with high balance-sheet leverage, modest asset returns, resilient earnings, and weakening cash conversion.

The latest year paired stable accounting profit near $134M with weaker operating cash generation, leaving free cash flow below profit. That widening gap means reported earnings were not converting into distributable cash as fully as before.

Return on assets remained just 1.4% in the latest year, so the nearly $9.9B asset base is producing a modest accounting return. Equity expanded while debt-to-equity fell from 6.0x to 5.7x, modestly improving the capital cushion even though liabilities remain much larger than equity.

Per-share earnings rose from $3.41 to $3.49 even though total net income barely changed, because a lower share count spread a similar profit across fewer shares. This indicates that recent per-share improvement was supported partly by capital returns, not just stronger underlying earnings.

Financial Health Signals

Financial Health Score 58/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of S&T Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

S&T Bancorp Inc earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and S&T Bancorp Inc scores 82/100 among other banks.

Growth

S&T Bancorp Inc reported revenue of $402.1M in fiscal year 2025, against $383.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and S&T Bancorp Inc scores 15/100 among other banks.

Capital

S&T Bancorp Inc funded 14.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.5B of equity against $9.9B of assets. Capital ranks banks on that cushion, and S&T Bancorp Inc scores 79/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. S&T Bancorp Inc scores 79/100 on it among other banks.

Credit Quality

Not available for S&T Bancorp Inc, and counted as zero in the overall score.

Stability

S&T Bancorp Inc reported net income of $134.2M in fiscal year 2025, against $131.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and S&T Bancorp Inc scores 92/100 among other banks.

Piotroski F-Score Partial

5/6

S&T Bancorp Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

1.00x

For every $1 of reported earnings, S&T Bancorp Inc generates $1.00 in operating cash flow ($133.6M OCF vs $134.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$105.2M

YoY+5.2%

QoQ+3.1%

5Y CAGR+4.7%

10Y CAGR+5.4%

S&T Bancorp Inc generated $105.2M in revenue in Q2 2026. This represents an increase of 5.2% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.

Net Income

$36.6M

YoY+14.9%

QoQ+4.5%

5Y CAGR+5.3%

10Y CAGR+7.9%

S&T Bancorp Inc reported $36.6M in net income in Q2 2026. This represents an increase of 14.9% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.

EPS (Diluted)

$1.02

YoY+22.9%

QoQ+8.5%

5Y CAGR+7.2%

10Y CAGR+7.6%

S&T Bancorp Inc earned $1.02 per diluted share (EPS) in Q2 2026. This represents an increase of 22.9% from the same quarter a year earlier. Against the prior quarter it is up 8.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$27.0M

YoY-0.5%

QoQ-35.1%

5Y CAGR-6.1%

10Y CAGR+4.5%

S&T Bancorp Inc generated $27.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is down 35.1%.

Cash & Debt

$217.8M

YoY+7.2%

QoQ-35.8%

5Y CAGR-26.1%

10Y CAGR+8.7%

S&T Bancorp Inc held $217.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.37

YoY+8.8%

QoQ+2.8%

5Y CAGR+5.7%

10Y CAGR+6.9%

S&T Bancorp Inc paid $0.37 per share in dividends in Q2 2026. This represents an increase of 8.8% from the same quarter a year earlier. Against the prior quarter it is up 2.8%.

Shares Outstanding

35M

YoY-8.0%

QoQ-2.0%

5Y CAGR-2.2%

10Y CAGR+0.1%

S&T Bancorp Inc had 35M shares outstanding in Q2 2026. This represents a decrease of 8.0% from the same quarter a year earlier. Against the prior quarter it is down 2.0%.

Margins & Returns

Net Margin

34.8%

YoY+2.9pp

QoQ+0.5pp

5Y change+0.9pp

10Y change+7.4pp

S&T Bancorp Inc's net profit margin was 34.8% in Q2 2026, showing the share of revenue converted to profit. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Return on Equity

2.6%

YoY+0.4pp

QoQ+0.2pp

5Y change+0.2pp

10Y change+0.5pp

S&T Bancorp Inc's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$47.6M

QoQ-4.2%

S&T Bancorp Inc spent $47.6M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 4.2%.

Capital Expenditures

$847K

YoY-28.8%

QoQ-12.6%

5Y CAGR-5.3%

10Y CAGR-0.5%

S&T Bancorp Inc invested $847K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 28.8% from the same quarter a year earlier. Against the prior quarter it is down 12.6%.

R&D Spending

Not reported for Q2 2026.

STBA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

STBA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$415.6M	$402.1M+4.7%	$383.9M-5.7%	$407.0M+8.8%	$374.0M+9.8%	$340.8M+0.5%	$339.1M+13.3%	$299.3M+5.5%	$283.6M+0.9%	$281.2M+9.0%	$257.9M+8.1%	$238.6M+22.7%	$194.4M+1.9%	$190.7M+1.9%	$187.1M+3.2%	$181.4M
SG&A Expenses	$128.9M	$127.6M+4.6%	$122.0M+9.4%	$111.5M+8.0%	$103.2M+3.0%	$100.2M+11.2%	$90.1M+7.3%	$84.0M+10.4%	$76.1M-5.8%	$80.8M+4.5%	$77.3M+13.3%	$68.3M+12.9%	$60.4M-0.7%	$60.8M+5.1%	$57.9M+13.4%	$51.1M
Interest Expense	$158.1M	$166.4M-8.1%	$181.1M+40.9%	$128.5M+414.6%	$25.0M+89.9%	$13.2M-68.0%	$41.1M-44.3%	$73.7M+33.0%	$55.4M+58.7%	$34.9M+42.4%	$24.5M+53.2%	$16.0M+28.2%	$12.5M-14.3%	$14.6M-30.7%	$21.0M-24.2%	$27.7M
Income Tax	$35.1M	$33.7M+0.5%	$33.6M-1.4%	$34.0M+1.8%	$33.4M+31.9%	$25.3M+2532600.0%	-$1K-100.0%	$19.1M+7.2%	$17.8M-61.6%	$46.4M+83.5%	$25.3M+3.7%	$24.4M+39.3%	$17.5M+21.0%	$14.5M+99.4%	$7.3M-50.3%	$14.6M
Net Income	$140.6M	$134.2M+2.3%	$131.3M-9.3%	$144.8M+6.8%	$135.5M+22.8%	$110.3M+424.4%	$21.0M-78.6%	$98.2M-6.7%	$105.3M+44.4%	$73.0M+2.2%	$71.4M+6.4%	$67.1M+15.8%	$57.9M+14.6%	$50.5M+47.8%	$34.2M-27.6%	$47.3M
EPS (Basic)	N/A	$3.51+2.3%	$3.43-8.8%	$3.76+8.4%	$3.47+23.5%	$2.81+420.4%	$0.54-81.0%	$2.84-6.3%	$3.03+44.3%	$2.10+1.9%	$2.06+4.0%	$1.98+1.5%	$1.95+14.7%	$1.70+44.1%	$1.18-16.3%	$1.41
EPS (Diluted)	$3.76	$3.49+2.3%	$3.41-8.8%	$3.74+8.1%	$3.46+23.1%	$2.81+430.2%	$0.53-81.2%	$2.82-6.3%	$3.01+44.0%	$2.09+2.0%	$2.05+3.5%	$1.98+1.5%	$1.95+14.7%	$1.70+44.1%	$1.18-16.3%	$1.41
Diluted Shares (Avg)	N/A	38M-0.1%	39M-0.4%	39M-0.9%	39M-0.1%	39M-0.1%	39M+12.7%	35M-0.8%	35M+0.1%	35M+0.5%	35M+2.7%	34M+13.9%	30M+0.1%	30M+2.3%	29M+3.6%	28M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$105.2M+5.2%	$102.1M+8.9%	$105.3M+11.6%	$103.0M+6.9%	$100.1M+3.3%	$93.8M-2.7%	$94.3M-8.6%	$96.4M-3.2%
SG&A Expenses	$32.7M-0.7%	$31.4M+5.0%	$32.7M+6.1%	$32.2M+2.9%	$32.9M+8.3%	$29.9M+1.2%	$30.8M-0.4%	$31.3M+13.6%
Interest Expense	$37.7M-11.0%	$37.9M-8.7%	$40.2M-10.0%	$42.4M-9.8%	$42.3M-6.3%	$41.5M-6.2%	$44.6M+7.3%	$47.0M+32.1%
Income Tax	$8.8M+9.1%	$9.0M+8.1%	$8.5M+2.1%	$8.9M+0.2%	$8.1M-4.9%	$8.3M+4.8%	$8.3M-7.8%	$8.9M+13.5%
Net Income	$36.6M+14.9%	$35.1M+5.0%	$34.0M+2.7%	$35.0M+7.3%	$31.9M-7.2%	$33.4M+6.9%	$33.1M-10.7%	$32.6M-2.6%
EPS (Basic)	$1.03+24.1%	$0.95+9.2%	$0.89+3.5%	$0.91+7.1%	$0.83-7.8%	$0.87+6.1%	$0.86-11.3%	$0.85-3.4%
EPS (Diluted)	$1.02+22.9%	$0.94+8.0%	$0.89+3.5%	$0.91+7.1%	$0.83-6.7%	$0.87+7.4%	$0.86-10.4%	$0.85-2.3%
Diluted Shares (Avg)	36M-6.8%	37M-3.7%	N/A	39M+0.1%	39M+0.3%	39M+0.4%	N/A	39M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

STBA Balance Sheet

STBA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.9B+2.2%	$9.7B+1.1%	$9.6B+4.8%	$9.1B-4.0%	$9.5B+5.8%	$9.0B+2.3%	$8.8B+20.9%	$7.3B+2.7%	$7.1B+1.7%	$6.9B+9.9%	$6.3B+27.3%	$5.0B+9.5%	$4.5B+0.1%	$4.5B+9.9%	$4.1B
Cash & Equivalents	$163.4M-33.2%	$244.8M+4.8%	$233.6M+11.2%	$210.0M-77.2%	$922.2M+301.5%	$229.7M+16.1%	$197.8M+27.2%	$155.5M+32.7%	$117.2M-16.0%	$139.5M+40.3%	$99.4M-9.3%	$109.6M+1.1%	$108.4M-67.9%	$337.7M+24.8%	$270.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M+0.5%	$371.6M+29.3%	$287.4M-1.4%	$291.7M0.0%	$291.7M0.0%	$291.8M+65.9%	$175.8M0.0%	$175.8M0.0%	$175.7M+6.3%	$165.3M
Total Liabilities	$8.4B+1.6%	$8.3B+0.1%	$8.3B+4.3%	$7.9B-4.3%	$8.3B+6.0%	$7.8B+3.2%	$7.6B+19.9%	$6.3B+2.3%	$6.2B+1.2%	$6.1B+10.4%	$5.5B+26.9%	$4.4B+10.0%	$4.0B-0.7%	$4.0B+9.9%	$3.6B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$115.1M-0.7%	$115.9M+24.8%	$92.9M+54.0%	$60.3M-62.9%	$162.7M+150.0%	$65.1M-3.5%	$67.4M+97.7%	$34.1M+7.0%	$31.9M
Total Equity	$1.5B+6.1%	$1.4B+7.5%	$1.3B+8.3%	$1.2B-1.8%	$1.2B+4.5%	$1.2B-3.1%	$1.2B+27.4%	$935.8M+5.9%	$884.0M+5.0%	$842.0M+6.3%	$792.2M+30.2%	$608.4M+6.5%	$571.3M+6.3%	$537.4M+9.6%	$490.5M
Retained Earnings	$1.1B+7.8%	$1.0B+8.3%	$959.6M+11.1%	$863.9M+11.7%	$773.7M+9.0%	$710.1M-6.7%	$761.1M+8.4%	$701.8M+11.7%	$628.1M+7.2%	$585.9M+7.7%	$544.2M+8.0%	$504.1M+7.7%	$468.2M+7.4%	$436.0M+3.5%	$421.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.9B+1.4%	$9.9B+2.3%	$9.9B+2.2%	$9.8B+2.4%	$9.8B+1.8%	$9.7B+1.9%	$9.7B+1.1%	$9.6B+1.2%
Cash & Equivalents	$217.8M+7.2%	$339.1M+60.1%	$163.4M-33.2%	$196.2M-14.0%	$203.1M-17.5%	$211.8M+2.1%	$244.8M+4.8%	$228.1M-4.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%	$373.4M0.0%
Total Liabilities	$8.5B+2.1%	$8.5B+2.6%	$8.4B+1.6%	$8.3B+1.6%	$8.4B+0.6%	$8.3B+0.7%	$8.3B+0.1%	$8.2B-0.4%
Total Equity	$1.4B-2.9%	$1.4B+0.9%	$1.5B+6.1%	$1.5B+7.2%	$1.4B+9.4%	$1.4B+9.5%	$1.4B+7.5%	$1.4B+12.4%
Retained Earnings	$1.2B+8.1%	$1.1B+7.8%	$1.1B+7.8%	$1.1B+7.9%	$1.1B+7.9%	$1.1B+8.4%	$1.0B+8.3%	$1.0B+9.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

STBA Cash Flow Statement

STBA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$146.8M	$133.6M-22.9%	$173.4M+0.9%	$171.7M-28.6%	$240.5M+11.9%	$214.9M+316.8%	$51.6M-62.8%	$138.4M+8.1%	$128.0M+12.1%	$114.2M+18.0%	$96.8M+59.8%	$60.6M-22.4%	$78.1M-9.3%	$86.1M+2.6%	$83.9M+13.5%	$73.9M
Depreciation & Amortization	N/A	$10.4M-3.9%	$10.9M+44.5%	$7.5M-16.7%	$9.0M-21.4%	$11.5M-4.9%	$12.1M+2.9%	$11.7M+60.6%	$7.3M+192.2%	$2.5M-31.1%	$3.6M+919.1%	$356K-92.4%	$4.7M-11.8%	$5.3M-23.8%	$7.0M+10.7%	$6.3M
Stock-Based Compensation	N/A	$5.3M+15.6%	$4.6M+19.3%	$3.9M+21.5%	$3.2M+31.4%	$2.4M+235.2%	$724K-70.3%	$2.4M+29.1%	$1.9M-37.1%	$3.0M+18.2%	$2.5M+55.5%	$1.6M+67.8%	$975K+41.9%	$687K-24.8%	$913K-4.9%	$960K
Capital Expenditures	$3.7M	$4.8M+62.4%	$2.9M-46.7%	$5.5M+42.6%	$3.9M+7.0%	$3.6M-33.3%	$5.4M+5.1%	$5.2M+23.5%	$4.2M-11.1%	$4.7M+31.9%	$3.6M-30.6%	$5.1M+1.1%	$5.1M+79.3%	$2.8M+30.0%	$2.2M-13.9%	$2.5M
Free Cash Flow	$143.1M	$128.8M-24.4%	$170.4M+2.5%	$166.2M-29.8%	$236.7M+12.0%	$211.2M+357.9%	$46.1M-65.4%	$133.3M+7.6%	$123.8M+13.1%	$109.5M+17.5%	$93.2M+68.2%	$55.5M-24.1%	$73.0M-12.3%	$83.2M+1.9%	$81.7M+14.5%	$71.4M
Investing Cash Flow	-$133.3M	-$314.8M-166.1%	-$118.3M+73.4%	-$444.2M-11.4%	-$398.7M-3111.4%	$13.2M+108.3%	-$159.2M+24.4%	-$210.6M-4.3%	-$202.0M+4.9%	-$212.4M+65.6%	-$616.7M-52.0%	-$405.7M+7.2%	-$437.0M-41.1%	-$309.7M-3620.8%	-$8.3M-106.3%	$131.7M
Financing Cash Flow	$1.3M	$99.8M+327.5%	-$43.9M-114.8%	$296.1M+153.4%	-$554.1M-219.3%	$464.5M+233.0%	$139.5M+21.9%	$114.5M+1.9%	$112.3M+48.0%	$75.8M-86.5%	$559.9M+67.2%	$335.0M-7.0%	$360.2M+6366.0%	-$5.7M+31.4%	-$8.4M+80.6%	-$43.3M
Dividends Paid	$53.4M	$52.9M+3.8%	$51.0M+2.5%	$49.7M+5.9%	$47.0M+5.9%	$44.3M+0.9%	$43.9M+17.6%	$37.4M+8.2%	$34.5M+20.9%	$28.6M+6.7%	$26.8M+9.4%	$24.5M+21.2%	$20.2M+11.4%	$18.1M+4.5%	$17.4M+3.1%	$16.8M
Share Buybacks	N/A	$36.3M	$0-100.0%	$19.8M+159.4%	$7.6M	$0-100.0%	$12.6M-31.1%	$18.2M+48.7%	$12.3M	$0	$0-100.0%	$182K+11.7%	$163K+85.2%	$88K+79.6%	$49K-23.4%	$64K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$27.8M-1.7%	$42.5M+47.1%	$36.2M-33.8%	$40.3M+45.7%	$28.3M-36.8%	$28.9M-37.7%	$54.6M+76.9%	$27.6M-52.2%
Capital Expenditures	$847K-28.8%	$969K-43.9%	$1.2M+45.5%	$604K-13.2%	$1.2M+40.2%	$1.7M+223.8%	$858K+45.9%	$696K-68.8%
Free Cash Flow	$27.0M-0.5%	$41.6M+52.9%	$34.9M-35.1%	$39.7M+47.2%	$27.1M-38.3%	$27.2M-40.7%	$53.8M+77.5%	$26.9M-51.5%
Investing Cash Flow	-$112.2M-6.6%	$84.8M+181.8%	-$85.9M-32.1%	-$20.0M-215.1%	-$105.3M-69.0%	-$103.6M-1142.9%	-$65.0M+39.0%	$17.4M+108.2%
Financing Cash Flow	-$36.8M-153.9%	$48.3M+15.7%	$17.0M-37.5%	-$27.2M+57.0%	$68.3M+21.1%	$41.7M+165.0%	$27.1M-61.7%	-$63.2M-138.5%
Dividends Paid	$13.3M+1.2%	$13.4M+2.6%	$13.6M+4.8%	$13.1M+3.3%	$13.2M+3.7%	$13.0M+3.2%	$13.0M+3.2%	$12.6M+2.6%
Share Buybacks	$47.6M	$49.7M	N/A	N/A	$0	$0	$0	$0

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

STBA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

STBA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	33.4%-0.8pp	34.2%-1.4pp	35.6%-0.7pp	36.2%+3.9pp	32.4%+26.2pp	6.2%-26.6pp	32.8%-4.3pp	37.1%+11.2pp	25.9%-1.7pp	27.7%-0.4pp	28.1%-1.7pp	29.8%+3.3pp	26.5%+8.2pp	18.3%-7.8pp	26.1%
Return on Equity	9.2%-0.3pp	9.5%-1.8pp	11.3%-0.2pp	11.4%+2.3pp	9.2%+7.3pp	1.8%-6.4pp	8.2%-3.0pp	11.3%+3.0pp	8.3%-0.2pp	8.5%0.0pp	8.5%-1.1pp	9.5%+0.7pp	8.8%+2.5pp	6.4%-3.3pp	9.6%
Return on Assets	1.4%0.0pp	1.4%-0.2pp	1.5%0.0pp	1.5%+0.3pp	1.2%+0.9pp	0.2%-0.9pp	1.1%-0.3pp	1.5%+0.4pp	1.0%0.0pp	1.0%0.0pp	1.1%-0.1pp	1.2%+0.1pp	1.1%+0.4pp	0.8%-0.4pp	1.1%
Debt-to-Equity	5.74-0.3x	6.00-0.4x	6.44-0.2x	6.69-0.2x	6.86+0.1x	6.77+6.7x	0.100.0x	0.120.0x	0.110.0x	0.07-0.1x	0.21+0.1x	0.110.0x	0.12+0.1x	0.060.0x	0.07
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	32.0%-12.4pp	44.4%+3.6pp	40.8%-22.4pp	63.3%+1.3pp	62.0%+48.4pp	13.6%-30.9pp	44.5%+0.9pp	43.7%+4.7pp	39.0%+2.8pp	36.2%+12.9pp	23.2%-14.3pp	37.6%-6.1pp	43.6%0.0pp	43.7%+4.3pp	39.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.8%+2.9pp	34.4%-1.3pp	32.3%-2.8pp	33.9%+0.1pp	31.9%-3.6pp	35.6%+3.2pp	35.0%-0.9pp	33.8%+0.2pp
Return on Equity	2.6%+0.4pp	2.5%+0.1pp	2.3%-0.1pp	2.4%0.0pp	2.2%-0.4pp	2.4%-0.1pp	2.4%-0.5pp	2.4%-0.4pp
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.3%0.0pp	0.4%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.1pp	0.3%0.0pp
Debt-to-Equity	6.08+0.3x	5.95+0.1x	5.74-0.3x	5.65-0.3x	5.79-0.5x	5.85-0.5x	6.00-0.4x	5.97-0.8x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	25.6%-1.5pp	40.7%+11.7pp	33.1%-23.8pp	38.5%+10.5pp	27.1%-18.2pp	29.0%-18.6pp	57.0%+27.6pp	28.0%-27.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
S&T Bancorp Inc STBA	FY2025	$402.1M	$134.2M	33.4%	$1.7B	58/100
1st Source Corp SRCE	FY2025	$433.8M	$158.3M	36.5%	$2.0B	74/100
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100
Republic Bancorp Inc/KY RBCAA	FY2025	$417.5M	$131.3M	31.4%	$1.8B	62/100
Trico Bancshares TCBK	FY2025	$419.2M	$121.6M	29.0%	$1.7B	56/100
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.7B	53/100

Where S&T Bancorp Inc Ranks

Frequently Asked Questions

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

S&T Bancorp Inc (STBA) reported $402.1M in total revenue for fiscal year 2025. This represents a 4.7% 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 4.7% year-over-year, from $383.9M to $402.1M in fiscal year 2025.

Is S&T Bancorp Inc profitable?

Yes, S&T Bancorp Inc (STBA) reported a net income of $134.2M in fiscal year 2025, with a net profit margin of 33.4%.

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

S&T Bancorp Inc (STBA) had a net profit margin of 33.4% in fiscal year 2025, 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 $1.38 per share in dividends during fiscal year 2025.

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

S&T Bancorp Inc (STBA) has a return on equity of 9.2% for fiscal year 2025, 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 $128.8M in free cash flow during fiscal year 2025. This represents a -24.4% 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 $133.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

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

S&T Bancorp Inc (STBA) had $9.9B in total assets as of fiscal year 2025, including both current and long-term assets.

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

S&T Bancorp Inc (STBA) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does S&T Bancorp Inc buy back shares?

Yes, S&T Bancorp Inc (STBA) spent $36.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

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

S&T Bancorp Inc (STBA) had 37M shares outstanding as of fiscal year 2025.

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

S&T Bancorp Inc (STBA) had a debt-to-equity ratio of 5.74 as of fiscal year 2025, 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 2025, measuring how efficiently the company uses its assets to generate profit.

What is S&T Bancorp Inc's P/E ratio?

S&T Bancorp Inc (STBA) trades at 12.0x earnings, its market capitalization divided by net income of $140.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is S&T Bancorp Inc's price-to-sales ratio?

S&T Bancorp Inc (STBA) trades at 4.1x sales, its market capitalization divided by revenue of $415.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

S&T Bancorp Inc (STBA) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.00x, considered mixed 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 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.