S&T Bancorp Inc (STBA) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, S&T Bancorp reported revenue of $402.1M, up 4.7% from $383.9M the year before. Net income was $134.2M (a 33.4% net margin), or $3.49 per diluted share. Net interest income was $350.1M, and the efficiency ratio (noninterest expense / revenue) was 56.4%. Operating activities generated $133.6M of cash, leaving $128.8M of free cash flow. At fiscal year end, S&T Bancorp held $9.87B in total assets against $8.41B in total liabilities, including $163.4M of cash and equivalents.
Open the full interactive S&T Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
S&T Bancorp Key Stats
| Share Price | $48.09 |
|---|---|
| Market Cap | $1.73B |
| P/E Ratio | 13.8 |
| Revenue YoY Growth | +4.8% |
| 52-Week Range | $33.52 – $52.97 |
| Shares Outstanding | 35.7 million (basic, 2026 Q2) |
S&T Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $279.4M | $276.1M | $315.8M | $349.4M | $334.8M | $350.1M |
| Provision for Credit Losses | $131.4M | $15.5M | $8.4M | $17.9M | $133,000 | $7.4M |
| Noninterest Income | $59.7M | $64.6M | $58.3M | $57.6M | $49.1M | $52.0M |
| Noninterest Expense | $186.6M | $188.8M | $196.7M | $210.3M | $218.9M | $226.8M |
| Revenue | $339.1M | $340.7M | $374.0M | $407.0M | $383.9M | $402.1M |
| Pre-Tax Income | $21.0M | $135.7M | $168.9M | $178.8M | $164.8M | $167.9M |
| Income Tax | -$1,000 | $25.3M | $33.4M | $34.0M | $33.6M | $33.7M |
| Net Income | $21.0M | $110.3M | $135.5M | $144.8M | $131.3M | $134.2M |
| Diluted EPS | $0.53 | $2.81 | $3.46 | $3.74 | $3.41 | $3.49 |
S&T Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $103.0M | $105.3M | $102.1M | $105.2M |
| Net Income | $35.0M | $34.0M | $35.1M | $36.6M |
| Diluted EPS | $0.91 | $0.88 | $0.94 | $1.02 |
S&T Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $229.7M | $922.2M | $210.0M | $233.6M | $244.8M | $163.4M |
| Loans (Net) | — | $6.90B | $7.08B | $7.55B | $7.64B | $7.98B |
| Total Assets | $8.97B | $9.49B | $9.11B | $9.55B | $9.66B | $9.87B |
| Deposits | $7.42B | $8.00B | $7.22B | $7.52B | $7.78B | $7.96B |
| Total Long-Term Debt | $110.1M | $99.2M | $83.9M | $127.9M | $151.2M | $100.3M |
| Total Liabilities | $7.81B | $8.28B | $7.93B | $8.27B | $8.28B | $8.41B |
| Shareholders' Equity | $1.15B | $1.21B | $1.18B | $1.28B | $1.38B | $1.46B |
S&T Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $53.5M | $216.1M | $240.4M | $171.7M | $173.4M | $133.6M |
| Cash From Investing | -$161.1M | $12.0M | -$398.6M | -$444.2M | -$118.3M | -$314.8M |
| Cash From Financing | $139.5M | $464.5M | -$554.1M | $296.1M | -$43.9M | $99.8M |
| Free Cash Flow | $48.0M | $212.5M | $236.6M | $165.5M | $170.4M | $128.8M |
Figures from S&T Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full S&T Bancorp financials page for every line item.
S&T Bancorp Company Profile
| Ticker | STBA |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Indiana, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000719220 |
Frequently Asked Questions
What was S&T Bancorp's revenue in fiscal 2025?
S&T Bancorp (STBA) reported revenue of $402.1M for fiscal 2025.
What is S&T Bancorp's annual revenue history?
S&T Bancorp's annual revenue by fiscal year: 2020: $339.1M; 2021: $340.7M; 2022: $374.0M; 2023: $407.0M; 2024: $383.9M; 2025: $402.1M.
What was S&T Bancorp's net income in fiscal 2025?
S&T Bancorp reported net income of $134.2M for fiscal 2025.
What was S&T Bancorp's earnings per share (EPS) in fiscal 2025?
S&T Bancorp's diluted EPS was $3.49 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did S&T Bancorp generate in fiscal 2025?
S&T Bancorp generated $128.8M of free cash flow in fiscal 2025.
What was S&T Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), S&T Bancorp reported revenue of $105.2M.
How much debt does S&T Bancorp have?
S&T Bancorp reported $100.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of S&T Bancorp are outstanding?
S&T Bancorp reported a weighted average of 35.7 million basic shares outstanding in 2026 Q2.
What is S&T Bancorp's market cap?
Based on its latest closing price, S&T Bancorp (STBA) has a market capitalization of about $1.73B.
When does S&T Bancorp's fiscal year end?
S&T Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is S&T Bancorp headquartered?
S&T Bancorp lists its business address in Indiana, Pennsylvania in its SEC filings.