S&T Bancorp (STBA) Financials

$35.73 -0.91 (-2.48%)

Closing price 08/1/2025 04:00 PM Eastern

Extended Trading

$35.74 +0.01 (+0.03%)

As of 08/1/2025 04:10 PM Eastern

Annual Income Statements for S&T Bancorp

This table shows S&T Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	58	67	71	73	105	98	21	110	136	145	131
Consolidated Net Income / (Loss)	58	67	71	73	105	98	21	110	136	145	131
Net Income / (Loss) Continuing Operations	58	67	71	73	105	98	21	110	136	145	131
Total Pre-Tax Income	75	91	97	119	123	117	21	136	169	179	165
Total Revenue	194	239	258	281	284	299	339	341	374	407	384
Net Interest Income / (Expense)	148	188	203	226	234	247	279	276	316	349	335
Total Interest Income	161	204	228	261	290	320	320	289	341	478	516
Loans and Leases Interest Income	147	188	212	243	270	301	301	270	315	443	476
Investment Securities Interest Income	13	16	15	17	20	20	20	19	26	35	39
Total Interest Expense	12	16	25	35	55	74	41	13	25	128	181
Deposits Interest Expense	10	13	20	25	41	63	36	11	20	93	159
Long-Term Debt Interest Expense	2.35	3.05	4.82	9.58	15	11	5.09	2.39	5.06	36	22
Total Non-Interest Income	46	51	55	55	49	53	60	65	58	58	49
Other Service Charges	46	49	18	18	11	17	21	19	9.51	11	10
Net Realized & Unrealized Capital Gains on Investments	0.04	-0.03	2.07	3.00	1.87	-0.03	0.14	0.03	0.20	0.00	-7.94
Other Non-Interest Income	-	2.22	35	34	36	35	39	46	49	47	47
Provision for Credit Losses	1.72	10	18	14	15	15	131	16	8.37	18	0.13
Total Non-Interest Expense	117	137	143	148	145	167	187	189	197	210	219
Salaries and Employee Benefits	60	68	77	81	76	84	90	100	103	111	122
Net Occupancy & Equipment Expense	22	26	27	28	30	36	41	42	43	45	48
Marketing Expense	3.32	4.22	3.71	3.66	4.19	4.63	6.00	4.55	5.60	6.49	6.35
Property & Liability Insurance Claims	2.44	3.42	3.98	4.54	3.24	0.76	5.09	4.22	2.85	4.12	4.20
Other Operating Expenses	28	31	31	31	32	31	42	38	42	43	38
Income Tax Expense	18	24	25	46	18	19	-0.00	25	33	34	34
Basic Earnings per Share	-	-	$2.06	$2.10	$3.03	$2.84	$0.54	$2.81	$3.47	$3.76	$3.43
Weighted Average Basic Shares Outstanding	29.68M	33.81M	34.68M	34.73M	34.78M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Diluted Earnings per Share	$1.95	$1.98	$2.05	$2.09	$3.01	$2.82	$0.53	$2.81	$3.46	$3.74	$3.41
Weighted Average Diluted Shares Outstanding	29.68M	33.81M	34.68M	34.73M	34.78M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Weighted Average Basic & Diluted Shares Outstanding	29.68M	33.81M	34.68M	34.73M	34.78M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Cash Dividends to Common per Share	$0.68	$0.73	$0.77	$0.82	$0.99	$1.09	$1.12	$1.13	$1.20	$1.29	$1.33

This table shows S&T Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	6/30/2024	9/30/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	37	40	40	34	33	37	34	33	33
Consolidated Net Income / (Loss)	37	40	40	34	33	37	34	33	33
Net Income / (Loss) Continuing Operations	37	40	40	34	33	37	34	33	33
Total Pre-Tax Income	46	50	49	42	41	46	43	41	42
Total Revenue	99	105	102	102	100	103	97	96	94
Net Interest Income / (Expense)	84	89	89	88	87	85	84	84	83
Total Interest Income	90	103	111	117	123	127	129	131	125
Loans and Leases Interest Income	83	96	103	109	114	117	120	121	114
Investment Securities Interest Income	6.80	6.99	8.18	8.63	8.70	9.26	9.20	11	11
Total Interest Expense	6.04	14	22	29	36	42	45	47	42
Deposits Interest Expense	5.20	11	15	20	25	33	40	42	38
Long-Term Debt Interest Expense	0.84	3.08	7.21	9.11	11	8.68	5.54	4.50	3.17
Total Non-Interest Income	15	16	13	14	12	18	13	12	10
Other Service Charges	2.25	3.87	1.79	2.43	0.43	6.34	4.66	2.14	1.49
Net Realized & Unrealized Capital Gains on Investments	0.20	-	-	0.00	0.00	-	-3.15	-2.20	-2.30
Other Non-Interest Income	12	12	11	12	12	12	12	12	11
Provision for Credit Losses	2.50	3.18	0.92	11	5.50	0.94	0.42	-0.45	-3.04
Total Non-Interest Expense	50	51	52	50	53	56	54	55	55
Salaries and Employee Benefits	27	28	28	25	28	31	30	31	30
Net Occupancy & Equipment Expense	11	11	11	11	11	12	11	12	13
Marketing Expense	1.37	1.35	1.85	1.46	1.74	1.44	1.40	1.38	1.62
Property & Liability Insurance Claims	0.60	0.44	1.01	1.03	1.03	1.05	1.05	1.05	1.04
Other Operating Expenses	10	11	10	11	11	11	9.52	9.41	9.87
Income Tax Expense	9.18	9.98	9.56	7.69	7.80	8.98	8.50	8.85	8.30
Basic Earnings per Share	$0.95	$1.04	$1.02	$0.89	$0.88	$0.97	$0.90	$0.85	$0.87
Weighted Average Basic Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Diluted Earnings per Share	$0.95	$1.03	$1.02	$0.89	$0.87	$0.96	$0.89	$0.85	$0.87
Weighted Average Diluted Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Weighted Average Basic & Diluted Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Cash Dividends to Common per Share	$0.30	$0.31	$0.32	$0.32	$0.32	$0.33	$0.33	$0.33	$0.34

This table details how cash moves in and out of S&T Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	1.22	-10	40	-22	38	42	32	693	-712	24	11
Net Cash From Operating Activities	78	61	97	114	128	138	52	215	241	172	173
Net Cash From Continuing Operating Activities	78	61	97	114	128	138	52	215	241	172	173
Net Income / (Loss) Continuing Operations	58	67	71	73	105	98	21	110	136	145	131
Consolidated Net Income / (Loss)	58	67	71	73	105	98	21	110	136	145	131
Provision For Loan Losses	1.06	11	18	13	15	15	131	16	8.37	18	0.13
Depreciation Expense	4.70	0.36	3.63	2.50	7.30	12	12	11	9.03	7.52	11
Amortization Expense	3.68	3.60	3.83	4.00	3.18	3.24	4.21	5.48	6.06	4.67	2.84
Non-Cash Adjustments to Reconcile Net Income	1.59	-8.06	1.58	12	-18	-0.31	-17	22	-1.49	0.34	13
Changes in Operating Assets and Liabilities, net	9.16	-13	-1.66	9.31	16	10	-100	50	83	-3.45	16
Net Cash From Investing Activities	-437	-406	-617	-212	-202	-211	-159	13	-399	-444	-118
Net Cash From Continuing Investing Activities	-437	-406	-617	-212	-202	-211	-159	13	-399	-444	-118
Purchase of Property, Leasehold Improvements and Equipment	-5.08	-5.13	-3.56	-4.69	-4.17	-5.15	-5.42	-3.61	-3.86	-6.22	-2.99
Purchase of Investment Securities	-496	-475	-721	-369	-300	-491	-407	-137	-607	-607	-421
Sale of Property, Leasehold Improvements and Equipment	0.10	0.47	0.06	0.42	0.14	0.07	0.02	0.01	0.16	0.71	0.06
Sale and/or Maturity of Investments	64	74	83	156	98	221	253	154	212	168	306
Net Cash From Financing Activities	360	335	560	76	112	114	139	464	-554	296	-44
Net Cash From Continuing Financing Activities	360	335	560	76	112	114	139	464	-554	296	-44
Net Change in Deposits	236	247	396	193	246	396	385	576	-776	302	261
Issuance of Debt	150	100	304	35	25	10	-206	-56	286	70	-215
Repayment of Debt	-2.37	-19	-102	-122	-72	-236	-27	-11	-7.69	-5.46	-38
Repurchase of Common Equity	-0.16	-0.18	-0.12	0.00	-21	-19	-13	0.00	-7.64	-20	0.00
Payment of Dividends	-20	-24	-27	-29	-35	-37	-44	-44	-47	-50	-51
Other Financing Activities, Net	-3.50	31	-11	-1.36	-32	1.33	45	-0.63	-0.81	-0.80	-0.87
Cash Interest Paid	13	16	23	34	53	75	44	15	22	111	176
Cash Income Taxes Paid	18	23	27	34	16	15	6.23	24	31	37	30

This table details how cash moves in and out of S&T Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-415	280	-10	-55	-47	136	-73	135	-62
Net Cash From Operating Activities	52	35	44	39	58	31	46	55	29
Net Cash From Continuing Operating Activities	-	241	0.00	-	-	172	0.00	173	0.00
Net Income / (Loss) Continuing Operations	-	136	0.00	-	-	145	0.00	131	0.00
Net Cash From Investing Activities	-33	-92	-56	-70	-211	-107	-8.34	-65	-103
Net Cash From Continuing Investing Activities	-33	-92	-56	-70	-211	-107	-8.34	-65	-103
Purchase of Property, Leasehold Improvements and Equipment	-1.32	-0.99	-1.44	-1.25	-2.23	-1.30	-0.64	-0.86	-1.73
Purchase of Investment Securities	-101	-151	-84	-110	-244	-168	-44	-154	-180
Sale and/or Maturity of Investments	68	60	30	40	35	63	37	89	79
Net Cash From Financing Activities	-228	132	46	15	164	71	-64	27	42
Net Cash From Continuing Financing Activities	-228	132	46	15	164	71	-64	27	42
Net Change in Deposits	-202	-191	-67	-12	82	299	79	128	110
Repayment of Debt	-7.14	-0.11	-0.11	-0.12	-5.12	-0.12	-0.12	-38	-55
Repurchase of Common Equity	-3.98	0.50	-0.02	-20	-0.04	0.52	-0.04	0.85	-0.04
Payment of Dividends	-12	-12	-12	-12	-12	-13	-13	-13	-13
Cash Interest Paid	5.12	12	18	23	34	36	41	51	44
Cash Income Taxes Paid	7.50	11	-0.01	24	4.10	9.16	0.14	9.59	0.09

This table presents S&T Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	4,965	6,318	6,943	7,060	7,252	8,765	8,968	9,489	9,111	9,552	9,658
Cash and Due from Banks	110	99	139	117	155	198	230	922	210	234	245
Trading Account Securities	643	696	697	703	687	790	792	912	1,003	971	988
Loans and Leases, Net of Allowance	3,821	4,979	5,559	5,705	5,886	7,075	7,108	6,901	7,083	7,545	7,641
Loans and Leases	3,869	5,028	5,611	5,761	5,947	7,137	7,226	7,000	7,184	7,653	7,743
Allowance for Loan and Lease Losses	48	48	53	56	61	62	118	99	101	108	101
Premises and Equipment, Net	38	49	45	43	42	57	56	53	49	49	45
Goodwill	176	292	292	292	287	372	373	373	373	373	373
Intangible Assets	2.63	6.53	4.91	3.68	2.60	11	8.68	6.90	5.38	4.06	3.06
Other Assets	174	196	206	197	192	263	400	320	387	376	363
Total Liabilities & Shareholders' Equity	4,965	6,318	6,943	7,060	7,252	8,765	8,968	9,489	9,111	9,552	9,658
Total Liabilities	4,356	5,526	6,101	6,176	6,316	7,573	7,813	8,282	7,926	8,268	8,278
Non-Interest Bearing Deposits	1,084	1,228	1,264	1,388	1,421	1,698	2,262	-	2,589	2,222	2,185
Interest Bearing Deposits	2,825	3,649	4,009	4,040	4,253	5,338	5,159	-	4,631	5,300	5,598
Short-Term Debt	321	418	711	590	488	301	140	-	370	415	150
Long-Term Debt	65	163	60	93	116	115	88	-	69	89	100
Other Long-Term Liabilities	62	69	58	65	38	120	165	8,282	267	243	244
Total Equity & Noncontrolling Interests	608	792	842	884	936	1,192	1,155	1,206	1,185	1,283	1,380
Total Preferred & Common Equity	608	792	842	884	936	1,192	1,155	1,206	1,185	1,283	1,380
Total Common Equity	608	792	842	884	936	1,192	1,155	1,206	1,185	1,283	1,380
Common Stock	157	301	303	306	301	504	504	507	510	513	515
Retained Earnings	504	544	586	628	702	761	710	774	864	960	1,039
Treasury Stock	-39	-36	-34	-32	-44	-61	-69	-67	-77	-98	-97
Accumulated Other Comprehensive Income / (Loss)	-14	-16	-14	-18	-23	-12	8.97	-7.09	-112	-91	-77

This table presents S&T Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	6/30/2024	9/30/2024	3/31/2025
Total Assets	8,936	9,193	9,253	9,466	9,635	9,584	9,718
Cash and Due from Banks	135	244	228	238	246	228	212
Trading Account Securities	998	999	971	956	978	1,012	1,011
Loans and Leases, Net of Allowance	6,997	7,143	7,214	7,408	7,607	7,585	7,737
Loans and Leases	7,097	7,251	7,320	7,516	7,714	7,689	7,836
Allowance for Loan and Lease Losses	100	108	106	108	106	104	99
Premises and Equipment, Net	50	49	49	50	47	46	45
Goodwill	373	373	373	373	373	373	373
Intangible Assets	5.74	5.04	4.71	4.38	-	3.17	2.81
Other Assets	376	380	413	437	383	337	336
Total Liabilities & Shareholders' Equity	8,936	9,193	9,253	9,466	9,635	9,584	9,718
Total Liabilities	7,783	7,966	8,040	8,243	8,314	8,208	8,300
Non-Interest Bearing Deposits	2,663	-	-	2,276	2,207	2,158	2,164
Interest Bearing Deposits	4,747	-	-	4,947	5,474	5,497	5,728
Short-Term Debt	35	-	-	630	275	225	95
Long-Term Debt	69	-	-	89	88	113	100
Other Long-Term Liabilities	268	7,966	-	301	270	215	212
Total Equity & Noncontrolling Interests	1,153	1,228	1,213	1,224	1,321	1,376	1,418
Total Preferred & Common Equity	1,153	1,228	1,213	1,224	1,321	1,376	1,418
Total Common Equity	1,153	1,228	1,213	1,224	1,321	1,376	1,418
Common Stock	509	511	511	512	513	514	516
Retained Earnings	836	891	914	935	999	1,019	1,059
Treasury Stock	-77	-77	-98	-98	-97	-97	-97
Accumulated Other Comprehensive Income / (Loss)	-115	-97	-114	-126	-94	-61	-61

This table displays calculated financial ratios and metrics derived from S&T Bancorp's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	1.92%	22.74%	8.09%	9.04%	0.86%	5.55%	13.29%	0.49%	9.75%	8.82%	-5.69%
EBITDA Growth	12.99%	13.87%	9.14%	20.88%	6.16%	-1.00%	-71.80%	309.09%	20.57%	3.79%	-6.53%
EBIT Growth	16.01%	21.28%	5.70%	23.48%	3.16%	-4.72%	-82.07%	544.84%	24.52%	5.85%	-7.82%
NOPAT Growth	14.58%	15.84%	6.43%	2.21%	44.36%	-6.74%	-78.58%	424.44%	22.82%	6.83%	-9.34%
Net Income Growth	14.58%	15.84%	6.43%	2.21%	44.36%	-6.74%	-78.58%	424.44%	22.82%	6.83%	-9.34%
EPS Growth	14.71%	1.54%	3.54%	1.95%	44.02%	-6.31%	-81.21%	430.19%	23.13%	8.09%	-8.82%
Operating Cash Flow Growth	-9.26%	-22.43%	59.79%	18.01%	12.06%	8.13%	-62.76%	316.77%	11.95%	-28.59%	0.94%
Free Cash Flow Firm Growth	-427.92%	-152.38%	45.89%	170.51%	11.26%	-77.37%	723.58%	16.12%	-198.38%	93.46%	1,659.89%
Invested Capital Growth	22.33%	38.12%	17.49%	-2.85%	-1.73%	4.43%	-14.03%	-12.74%	34.60%	10.05%	-8.76%
Revenue Q/Q Growth	-32.59%	5.61%	1.34%	1.85%	0.16%	3.00%	1.78%	-0.27%	5.67%	-0.37%	0.00%
EBITDA Q/Q Growth	-30.29%	5.51%	0.42%	6.28%	2.45%	-0.86%	101.45%	10.34%	26.12%	4.35%	0.00%
EBIT Q/Q Growth	-32.55%	6.74%	-0.07%	6.59%	0.21%	-3.65%	13.60%	-1.92%	15.78%	-2.31%	0.00%
NOPAT Q/Q Growth	-44.28%	4.56%	0.33%	-10.28%	20.01%	-4.46%	9.97%	-1.52%	15.11%	-2.18%	0.00%
Net Income Q/Q Growth	4.77%	4.56%	0.33%	-10.28%	20.01%	-4.46%	9.97%	-1.52%	15.11%	-2.18%	0.00%
EPS Q/Q Growth	4.84%	0.51%	0.00%	-10.30%	19.92%	-5.37%	0.00%	-1.06%	14.95%	-1.84%	0.00%
Operating Cash Flow Q/Q Growth	1.94%	-25.47%	35.70%	5.93%	10.37%	2.06%	20.94%	-5.06%	-3.15%	-2.51%	16.00%
Free Cash Flow Firm Q/Q Growth	-415.12%	-24.64%	-5.19%	241.44%	-21.10%	-85.91%	-31.11%	367.96%	-227.35%	96.56%	0.00%
Invested Capital Q/Q Growth	3.59%	7.77%	7.14%	-6.22%	-3.20%	8.59%	21.06%	-11.36%	29.14%	-7.99%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	43.12%	40.00%	40.39%	44.78%	47.13%	44.20%	11.00%	44.78%	49.20%	46.92%	46.50%
EBIT Margin	38.80%	38.34%	37.49%	42.46%	43.43%	39.21%	6.20%	39.81%	45.16%	43.93%	42.93%
Profit (Net Income) Margin	29.79%	28.12%	27.68%	25.95%	37.14%	32.82%	6.20%	32.38%	36.23%	35.57%	34.19%
Tax Burden Percent	76.78%	73.33%	73.83%	61.11%	85.51%	83.70%	100.00%	81.33%	80.22%	80.97%	79.64%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	23.22%	26.67%	26.17%	38.89%	14.49%	16.30%	0.00%	18.67%	19.78%	19.03%	20.36%
Return on Invested Capital (ROIC)	6.41%	5.67%	4.78%	4.59%	6.78%	6.24%	1.41%	8.52%	9.58%	8.49%	7.68%
ROIC Less NNEP Spread (ROIC-NNEP)	6.41%	5.67%	4.78%	4.59%	6.78%	6.24%	1.41%	8.52%	9.58%	8.49%	7.68%
Return on Net Nonoperating Assets (RNNOA)	3.41%	3.91%	3.96%	3.87%	4.80%	2.99%	0.39%	0.82%	1.76%	3.24%	2.17%
Return on Equity (ROE)	9.82%	9.58%	8.74%	8.46%	11.58%	9.23%	1.79%	9.35%	11.34%	11.73%	9.86%
Cash Return on Invested Capital (CROIC)	-13.68%	-26.35%	-11.30%	7.48%	8.52%	1.90%	16.50%	22.13%	-19.92%	-1.08%	16.84%
Operating Return on Assets (OROA)	1.59%	1.62%	1.46%	1.71%	1.72%	1.47%	0.24%	1.47%	1.82%	1.92%	1.72%
Return on Assets (ROA)	1.22%	1.19%	1.08%	1.04%	1.47%	1.23%	0.24%	1.20%	1.46%	1.55%	1.37%
Return on Common Equity (ROCE)	9.82%	9.58%	8.74%	8.46%	11.58%	9.23%	1.79%	9.35%	11.34%	11.73%	9.86%
Return on Equity Simple (ROE_SIMPLE)	9.52%	8.47%	8.48%	8.25%	11.26%	8.24%	1.82%	9.15%	11.44%	11.28%	9.51%
Net Operating Profit after Tax (NOPAT)	58	67	71	73	105	98	21	110	136	145	131
NOPAT Margin	29.79%	28.12%	27.68%	25.95%	37.14%	32.82%	6.20%	32.38%	36.23%	35.57%	34.19%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	44.26%	41.40%	41.96%	39.89%	38.82%	41.47%	40.45%	43.04%	40.68%	40.07%	45.98%
Operating Expenses to Revenue	60.31%	57.30%	55.54%	52.60%	51.28%	55.83%	55.04%	55.43%	52.60%	51.68%	57.03%
Earnings before Interest and Taxes (EBIT)	75	91	97	119	123	117	21	136	169	179	165
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	84	95	104	126	134	132	37	153	184	191	179
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.06	1.01	1.24	1.23	1.13	0.95	0.73	0.92	1.03	0.95	1.05
Price to Tangible Book Value (P/TBV)	1.50	1.62	1.91	1.85	1.64	1.40	1.09	1.34	1.51	1.35	1.44
Price to Revenue (P/Rev)	3.32	3.35	4.05	3.88	3.74	3.80	2.49	3.26	3.26	3.00	3.78
Price to Earnings (P/E)	11.13	11.90	14.62	14.93	10.08	11.57	40.07	10.07	9.00	8.43	11.04
Dividend Yield	3.14%	3.18%	2.58%	2.63%	3.27%	3.28%	5.22%	4.00%	3.84%	4.04%	3.51%
Earnings Yield	8.98%	8.40%	6.84%	6.70%	9.92%	8.64%	2.50%	9.93%	11.11%	11.86%	9.05%
Enterprise Value to Invested Capital (EV/IC)	0.93	0.93	1.04	1.06	0.98	0.84	0.61	0.16	0.89	0.83	0.89
Enterprise Value to Revenue (EV/Rev)	4.74	5.36	6.50	5.89	5.32	4.53	2.48	0.55	3.87	3.66	3.79
Enterprise Value to EBITDA (EV/EBITDA)	10.99	13.41	16.09	13.15	11.30	10.24	22.55	1.24	7.88	7.81	8.15
Enterprise Value to EBIT (EV/EBIT)	12.21	13.99	17.33	13.87	12.26	11.55	39.99	1.39	8.58	8.34	8.83
Enterprise Value to NOPAT (EV/NOPAT)	15.90	19.08	23.47	22.69	14.34	13.80	39.99	1.71	10.69	10.30	11.09
Enterprise Value to Operating Cash Flow (EV/OCF)	11.79	21.12	17.31	14.49	11.80	9.79	16.32	0.88	6.03	8.68	8.39
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	13.92	11.41	45.23	3.41	0.66	0.00	0.00	5.06
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.63	0.73	0.92	0.77	0.65	0.35	0.20	0.00	0.37	0.39	0.18
Long-Term Debt to Equity	0.11	0.21	0.07	0.11	0.12	0.10	0.08	0.00	0.06	0.07	0.07
Financial Leverage	0.53	0.69	0.83	0.84	0.71	0.48	0.27	0.10	0.18	0.38	0.28
Leverage Ratio	8.05	8.06	8.12	8.11	7.86	7.53	7.56	7.82	7.78	7.56	7.21
Compound Leverage Factor	8.05	8.06	8.12	8.11	7.86	7.53	7.56	7.82	7.78	7.56	7.21
Debt to Total Capital	38.80%	42.30%	47.81%	43.59%	39.24%	25.89%	16.48%	0.00%	27.05%	28.18%	15.35%
Short-Term Debt to Total Capital	32.25%	30.45%	44.07%	37.66%	31.71%	18.73%	10.14%	0.00%	22.79%	23.22%	9.20%
Long-Term Debt to Total Capital	6.55%	11.85%	3.74%	5.93%	7.53%	7.16%	6.35%	0.00%	4.26%	4.96%	6.15%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	61.20%	57.70%	52.19%	56.41%	60.76%	74.11%	83.52%	100.00%	72.95%	71.82%	84.65%
Debt to EBITDA	4.60	6.09	7.40	5.43	4.52	3.15	6.11	0.00	2.39	2.64	1.40
Net Debt to EBITDA	3.29	5.04	6.06	4.49	3.36	1.65	-0.05	0.00	1.25	1.41	0.03
Long-Term Debt to EBITDA	0.78	1.70	0.58	0.74	0.87	0.87	2.35	0.00	0.38	0.46	0.56
Debt to NOPAT	6.66	8.66	10.80	9.36	5.74	4.24	10.83	0.00	3.24	3.48	1.91
Net Debt to NOPAT	4.77	7.18	8.85	7.76	4.26	2.22	-0.08	0.00	1.69	1.87	0.04
Long-Term Debt to NOPAT	1.12	2.42	0.85	1.27	1.10	1.17	4.17	0.00	0.51	0.61	0.76
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-124	-312	-169	119	132	30	247	287	-282	-18	288
Operating Cash Flow to CapEx	1,567.39%	1,298.41%	2,763.49%	2,674.06%	3,171.09%	2,723.79%	955.91%	5,973.09%	6,497.16%	3,117.61%	5,904.87%
Free Cash Flow to Firm to Interest Expense	-9.90	-19.49	-6.88	3.41	2.39	0.41	6.01	21.79	-11.29	-0.14	1.59
Operating Cash Flow to Interest Expense	6.26	3.79	3.95	3.27	2.31	1.88	1.26	16.34	9.63	1.34	0.96
Operating Cash Flow Less CapEx to Interest Expense	5.86	3.50	3.81	3.15	2.24	1.81	1.12	16.07	9.49	1.29	0.94
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	5.20	5.47	5.48	6.41	6.72	6.07	6.03	6.30	7.34	8.28	8.16
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	994	1,373	1,613	1,567	1,540	1,608	1,383	1,206	1,624	1,787	1,631
Invested Capital Turnover	0.22	0.20	0.17	0.18	0.18	0.19	0.23	0.26	0.26	0.24	0.22
Increase / (Decrease) in Invested Capital	181	379	240	-46	-27	68	-226	-176	417	163	-156
Enterprise Value (EV)	921	1,280	1,675	1,656	1,510	1,355	841	189	1,449	1,491	1,455
Market Capitalization	645	798	1,044	1,090	1,061	1,137	843	1,111	1,220	1,221	1,450
Book Value per Share	$20.42	$22.76	$24.12	$25.27	$26.73	$34.81	$29.37	$30.66	$30.37	$33.57	$36.08
Tangible Book Value per Share	$14.43	$14.19	$15.62	$16.83	$18.45	$23.64	$19.65	$20.99	$20.66	$23.69	$26.24
Total Capital	994	1,373	1,613	1,567	1,540	1,608	1,383	1,206	1,624	1,787	1,631
Total Debt	386	581	771	683	604	416	228	0.00	439	504	250
Total Long-Term Debt	65	163	60	93	116	115	88	0.00	69	89	100
Net Debt	276	481	632	566	449	219	-1.74	-922	229	270	5.49
Capital Expenditures (CapEx)	4.98	4.67	3.50	4.27	4.04	5.08	5.39	3.60	3.70	5.51	2.94
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	386	581	771	683	604	416	228	0.00	439	504	250
Total Depreciation and Amortization (D&A)	8.38	3.96	7.46	6.50	10	15	16	17	15	12	14
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.00	$3.03	$2.84	$0.54	$2.81	$3.47	$3.76	$3.43
Adjusted Weighted Average Basic Shares Outstanding	29.80M	34.81M	34.91M	34.97M	34.62M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Adjusted Diluted Earnings per Share	$1.95	$1.98	$2.05	$2.09	$3.01	$2.82	$0.53	$2.81	$3.46	$3.74	$3.41
Adjusted Weighted Average Diluted Shares Outstanding	29.80M	34.81M	34.91M	34.97M	34.62M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	29.80M	34.81M	34.91M	34.97M	34.62M	39.46M	39.29M	36.70M	39.00M	38.23M	38.26M
Normalized Net Operating Profit after Tax (NOPAT)	58	69	71	73	105	108	16	110	136	145	131
Normalized NOPAT Margin	30.06%	29.09%	27.68%	25.95%	37.14%	35.99%	4.83%	32.38%	36.23%	35.57%	34.19%
Pre Tax Income Margin	38.80%	38.34%	37.49%	42.46%	43.43%	39.21%	6.20%	39.81%	45.16%	43.93%	42.93%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.04	5.72	3.94	3.42	2.22	1.59	0.51	10.32	6.77	1.39	0.91
NOPAT to Interest Expense	4.64	4.19	2.91	2.09	1.90	1.33	0.51	8.39	5.43	1.13	0.73
EBIT Less CapEx to Interest Expense	5.64	5.43	3.80	3.30	2.15	1.52	0.38	10.04	6.62	1.35	0.89
NOPAT Less CapEx to Interest Expense	4.24	3.90	2.77	1.97	1.83	1.26	0.38	8.12	5.28	1.08	0.71
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	34.89%	36.50%	37.52%	39.15%	32.79%	38.03%	208.88%	40.17%	34.65%	34.33%	38.83%
Augmented Payout Ratio	35.17%	36.77%	37.68%	39.15%	52.31%	57.51%	271.40%	40.17%	40.28%	48.01%	38.83%

This table displays calculated financial ratios and metrics derived from S&T Bancorp's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	6/30/2024	9/30/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	16.56%	23.72%	22.93%	16.50%	1.02%	-1.46%	-4.98%	-3.23%	-2.65%
EBITDA Growth	36.84%	84.58%	36.89%	16.45%	-11.11%	-8.41%	-13.15%	0.42%	6.49%
EBIT Growth	36.84%	84.58%	36.89%	16.45%	-11.11%	-8.41%	-13.15%	0.42%	6.49%
NOPAT Growth	34.97%	79.17%	36.56%	19.44%	-10.15%	-8.00%	-13.64%	-2.62%	6.92%
Net Income Growth	34.97%	79.17%	36.56%	19.44%	-10.15%	-8.00%	-13.64%	-2.62%	6.92%
EPS Growth	35.71%	77.59%	37.84%	20.27%	-8.42%	-6.80%	-12.75%	-2.30%	7.41%
Operating Cash Flow Growth	18.85%	-18.15%	-48.89%	-41.84%	11.34%	-12.51%	4.80%	0.00%	-38.13%
Free Cash Flow Firm Growth	173.61%	-289.84%	598.12%	664.88%	-562.38%	66.54%	-394.27%	140.02%	124.64%
Invested Capital Growth	-7.61%	34.60%	-7.80%	-6.27%	54.46%	10.05%	37.23%	-11.74%	-4.25%
Revenue Q/Q Growth	12.22%	6.23%	-2.60%	0.33%	-2.69%	3.62%	-6.07%	0.00%	0.00%
EBITDA Q/Q Growth	28.27%	8.23%	-1.77%	-14.60%	-2.10%	11.52%	-6.86%	0.00%	0.00%
EBIT Q/Q Growth	28.27%	8.23%	-1.77%	-14.60%	-2.10%	11.52%	-6.86%	0.00%	0.00%
NOPAT Q/Q Growth	29.08%	8.11%	-1.17%	-13.40%	-2.90%	10.69%	-7.22%	0.00%	0.00%
Net Income Q/Q Growth	29.08%	8.11%	-1.17%	-13.40%	-2.90%	10.69%	-7.22%	0.00%	0.00%
EPS Q/Q Growth	28.38%	8.42%	-0.97%	-12.75%	-2.25%	10.34%	-7.29%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	-22.14%	-32.05%	25.41%	-12.34%	49.06%	-46.61%	16.88%	0.00%	-47.63%
Free Cash Flow Firm Q/Q Growth	831.71%	-367.72%	138.09%	-19.49%	-663.23%	80.63%	-235.00%	0.00%	0.00%
Invested Capital Q/Q Growth	-2.83%	29.14%	-24.39%	-1.22%	60.14%	-7.99%	-5.72%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	47.11%	47.99%	48.40%	41.20%	41.45%	44.61%	44.24%	43.01%	44.48%
EBIT Margin	47.11%	47.99%	48.40%	41.20%	41.45%	44.61%	44.24%	43.01%	44.48%
Profit (Net Income) Margin	37.79%	38.46%	39.03%	33.69%	33.61%	35.91%	35.47%	33.82%	35.63%
Tax Burden Percent	80.23%	80.14%	80.63%	81.77%	81.10%	80.50%	80.18%	78.64%	80.10%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.77%	19.86%	19.37%	18.23%	18.90%	19.51%	19.82%	21.36%	19.90%
Return on Invested Capital (ROIC)	10.22%	10.17%	11.99%	10.95%	8.58%	8.57%	9.79%	0.00%	8.24%
ROIC Less NNEP Spread (ROIC-NNEP)	10.22%	10.17%	11.99%	10.95%	8.58%	8.57%	9.79%	0.00%	8.24%
Return on Net Nonoperating Assets (RNNOA)	1.14%	1.87%	0.73%	0.53%	2.97%	3.27%	1.40%	0.00%	1.68%
Return on Equity (ROE)	11.36%	12.03%	12.72%	11.48%	11.56%	11.84%	11.19%	0.00%	9.92%
Cash Return on Invested Capital (CROIC)	16.91%	-19.92%	19.54%	18.59%	-33.55%	-1.08%	-21.82%	0.00%	12.43%
Operating Return on Assets (OROA)	1.82%	1.93%	2.04%	1.83%	1.84%	1.95%	1.89%	0.00%	1.75%
Return on Assets (ROA)	1.46%	1.55%	1.65%	1.50%	1.49%	1.57%	1.51%	0.00%	1.40%
Return on Common Equity (ROCE)	11.36%	12.03%	12.72%	11.48%	11.56%	11.84%	11.19%	0.00%	9.92%
Return on Equity Simple (ROE_SIMPLE)	10.21%	0.00%	11.91%	12.51%	12.10%	0.00%	10.55%	0.00%	9.41%
Net Operating Profit after Tax (NOPAT)	37	40	40	34	33	37	34	33	33
NOPAT Margin	37.79%	38.46%	39.03%	33.69%	33.61%	35.91%	35.47%	33.82%	35.63%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	39.26%	38.48%	39.62%	37.07%	40.71%	42.88%	44.42%	46.60%	47.13%
Operating Expenses to Revenue	50.36%	48.97%	50.69%	48.51%	53.03%	54.48%	55.32%	57.46%	58.76%
Earnings before Interest and Taxes (EBIT)	46	50	49	42	41	46	43	41	42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	46	50	49	42	41	46	43	41	42
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.92	1.03	0.94	0.83	0.81	0.95	0.96	1.17	1.00
Price to Tangible Book Value (P/TBV)	1.37	1.51	1.35	1.21	1.18	1.35	1.34	1.61	1.36
Price to Revenue (P/Rev)	2.99	3.26	2.93	2.47	2.43	3.00	3.15	0.00	3.72
Price to Earnings (P/E)	8.99	9.00	7.87	6.63	6.71	8.43	9.09	0.00	10.62
Dividend Yield	4.36%	3.84%	4.17%	4.84%	4.89%	4.04%	3.96%	3.15%	3.62%
Earnings Yield	11.12%	11.11%	12.70%	15.08%	14.89%	11.86%	11.01%	0.00%	9.41%
Enterprise Value to Invested Capital (EV/IC)	0.82	0.89	0.74	0.64	0.76	0.83	0.82	1.00	0.87
Enterprise Value to Revenue (EV/Rev)	2.90	3.87	2.31	1.91	3.61	3.66	3.44	0.00	3.67
Enterprise Value to EBITDA (EV/EBITDA)	7.05	7.88	4.98	4.14	8.05	7.81	8.03	0.00	8.37
Enterprise Value to EBIT (EV/EBIT)	7.05	8.58	4.98	4.14	8.05	8.34	8.03	0.00	8.37
Enterprise Value to NOPAT (EV/NOPAT)	8.73	10.69	6.20	5.13	9.96	10.30	9.93	0.00	10.50
Enterprise Value to Operating Cash Flow (EV/OCF)	4.14	6.03	4.57	4.57	8.37	8.68	7.96	11.48	9.00
Enterprise Value to Free Cash Flow (EV/FCFF)	4.64	0.00	3.63	3.34	0.00	0.00	0.00	0.00	6.84
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.09	0.37	0.00	0.00	0.59	0.39	0.28	0.25	0.14
Long-Term Debt to Equity	0.06	0.06	0.00	0.00	0.07	0.07	0.07	0.08	0.07
Financial Leverage	0.11	0.18	0.06	0.05	0.35	0.38	0.14	0.41	0.20
Leverage Ratio	7.80	7.78	7.72	7.68	7.74	7.56	7.39	7.33	7.06
Compound Leverage Factor	7.80	7.78	7.72	7.68	7.74	7.56	7.39	7.33	7.06
Debt to Total Capital	8.29%	27.05%	0.00%	0.00%	37.01%	28.18%	21.57%	19.74%	12.11%
Short-Term Debt to Total Capital	2.78%	22.79%	0.00%	0.00%	32.44%	23.22%	16.32%	13.13%	5.89%
Long-Term Debt to Total Capital	5.51%	4.26%	0.00%	0.00%	4.57%	4.96%	5.25%	6.62%	6.22%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	91.71%	72.95%	100.00%	100.00%	62.99%	71.82%	78.43%	80.26%	87.89%
Debt to EBITDA	0.71	2.39	0.00	0.00	3.93	2.64	2.11	0.00	1.17
Net Debt to EBITDA	-0.21	1.25	0.00	0.00	2.62	1.41	0.68	0.00	-0.10
Long-Term Debt to EBITDA	0.47	0.38	0.00	0.00	0.48	0.46	0.51	0.00	0.60
Debt to NOPAT	0.89	3.24	0.00	0.00	4.86	3.48	2.61	0.00	1.46
Net Debt to NOPAT	-0.26	1.69	0.00	0.00	3.25	1.87	0.84	0.00	-0.12
Long-Term Debt to NOPAT	0.59	0.51	0.00	0.00	0.60	0.61	0.63	0.00	0.75
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	141	-377	144	116	-651	-126	-423	261	105
Operating Cash Flow to CapEx	4,324.31%	3,279.65%	3,202.24%	6,465.50%	2,580.37%	2,400.86%	8,701.31%	0.00%	1,662.34%
Free Cash Flow to Firm to Interest Expense	23.33	-26.65	6.50	3.96	-18.31	-3.03	-9.36	5.55	2.53
Operating Cash Flow to Interest Expense	8.60	2.49	2.00	1.33	1.63	0.74	1.03	0.00	0.69
Operating Cash Flow Less CapEx to Interest Expense	8.40	2.42	1.94	1.31	1.56	0.71	1.01	0.00	0.65
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.00	0.04
Fixed Asset Turnover	6.90	7.34	7.80	8.17	8.23	8.28	8.37	0.00	8.26
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	1,257	1,624	1,228	1,213	1,942	1,787	1,685	1,714	1,613
Invested Capital Turnover	0.27	0.26	0.31	0.33	0.26	0.24	0.28	0.00	0.23
Increase / (Decrease) in Invested Capital	-104	417	-104	-81	685	163	457	-228	-72
Enterprise Value (EV)	1,028	1,449	907	779	1,474	1,491	1,383	1,716	1,401
Market Capitalization	1,059	1,220	1,151	1,006	994	1,221	1,266	1,606	1,418
Book Value per Share	$29.46	$30.37	$31.48	$31.13	$31.99	$33.57	$34.56	$35.96	$37.06
Tangible Book Value per Share	$19.77	$20.66	$21.78	$21.42	$22.12	$23.69	$24.79	$26.12	$27.23
Total Capital	1,257	1,624	1,228	1,213	1,942	1,787	1,685	1,714	1,613
Total Debt	104	439	0.00	0.00	719	504	363	338	195
Total Long-Term Debt	69	69	0.00	0.00	89	89	88	113	100
Net Debt	-31	229	-244	-228	480	270	117	110	-17
Capital Expenditures (CapEx)	1.20	1.08	1.38	0.60	2.24	1.29	0.53	0.00	1.73
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	104	439	0.00	0.00	719	504	363	338	195
Total Depreciation and Amortization (D&A)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.95	$1.04	$1.02	$0.89	$0.88	$0.97	$0.90	$0.85	$0.87
Adjusted Weighted Average Basic Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Adjusted Diluted Earnings per Share	$0.95	$1.03	$1.02	$0.89	$0.87	$0.96	$0.89	$0.85	$0.87
Adjusted Weighted Average Diluted Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	39.00M	39.00M	38.97M	38.24M	38.23M	38.23M	38.26M	38.26M	38.33M
Normalized Net Operating Profit after Tax (NOPAT)	37	40	40	34	33	37	34	33	33
Normalized NOPAT Margin	37.79%	38.46%	39.03%	33.69%	33.61%	35.91%	35.47%	33.82%	35.63%
Pre Tax Income Margin	47.11%	47.99%	48.40%	41.20%	41.45%	44.61%	44.24%	43.01%	44.48%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	7.69	3.55	2.23	1.44	1.16	1.11	0.95	0.88	1.00
NOPAT to Interest Expense	6.17	2.85	1.80	1.18	0.94	0.89	0.76	0.69	0.80
EBIT Less CapEx to Interest Expense	7.49	3.48	2.17	1.42	1.10	1.08	0.94	0.00	0.96
NOPAT Less CapEx to Interest Expense	5.97	2.77	1.74	1.16	0.88	0.86	0.75	0.00	0.76
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	39.28%	34.65%	32.81%	32.01%	33.23%	34.33%	35.84%	0.00%	38.50%
Augmented Payout Ratio	45.93%	40.28%	38.01%	47.67%	46.63%	48.01%	50.07%	0.00%	38.51%

Key Financial Trends

S&T Bancorp (NASDAQ: STBA) has demonstrated consistent financial performance with some notable trends observed over the recent quarters and years based on its income statements, cash flow statements, and balance sheets.

Net income has generally been strong, with S&T Bancorp reporting $33.4 million in Q1 2025, consistent with prior quarters like $34.4 million in Q1 2024 and stable earnings per share around $0.87 to $0.90 in recent quarters.
Net interest income remains a solid contributor to revenue, with Q1 2025 net interest income of about $83.3 million, showing the company’s ability to generate income from its core lending activities despite some fluctuations in interest expenses.
Total assets have grown steadily, with $9.72 billion reported at the end of Q1 2025 compared to about $9.19 billion in Q1 2024 and $8.94 billion in Q3 2022, indicating growth in the company’s asset base, including loans and investments.
Deposits have increased, with total deposits reaching nearly $7.9 billion at Q1 2025, up from previous quarters, supporting stable funding for lending operations and investment activities.
The company has maintained a reasonable dividend payout, with dividends per share rising slightly to $0.34 in Q1 2025 from $0.33 in the prior year, indicating shareholder returns remain a priority.
Allowance for loan and lease losses remains elevated but stable around $99 million, which suggests cautious credit risk management amid a potentially changing economic environment.
The company’s goodwill and intangible assets remain steady at about $373 million and $2.8 million, respectively, indicating no recent impairment but ongoing intangible asset valuation that should be monitored.
Cash flow from operating activities varies significantly quarter-to-quarter, with, for example, zero net cash from continuing operations in Q1 2025 contrasting with strong cash flow in preceding quarters. This fluctuation warrants attention on operational cash cycles and working capital management.
Total non-interest expense increased to about $55.1 million in Q1 2025 from $53.6 million in Q1 2024 and $51.3 million in Q4 2022, potentially squeezing net income margins if not offset by revenue growth.
Net realized and unrealized capital losses were noted in recent quarters, such as a loss of $2.3 million in Q1 2025, which could impact non-interest income and overall profitability if the trend continues.

Overall, S&T Bancorp shows steady core banking performance with growing assets and deposits and consistent profitability. However, investors should monitor rising expenses and occasional capital losses that could pressure earnings, as well as fluctuations in operating cash flows that may affect liquidity positions.

08/02/25 04:03 AMAI Generated. May Contain Errors.

Frequently Asked Questions About S&T Bancorp's Financials

When does S&T Bancorp's fiscal year end?

According to the most recent income statement we have on file, S&T Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has S&T Bancorp's net income changed over the last 10 years?

S&T Bancorp's net income appears to be on an upward trend, with a most recent value of $131.27 million in 2024, rising from $57.91 million in 2014. The previous period was $144.78 million in 2023. View S&T Bancorp's forecast to see where analysts expect S&T Bancorp to go next.

How has S&T Bancorp's revenue changed over the last 10 years?

Over the last 10 years, S&T Bancorp's total revenue changed from $194.38 million in 2014 to $383.89 million in 2024, a change of 97.5%.

How much debt does S&T Bancorp have?

S&T Bancorp's total liabilities were at $8.28 billion at the end of 2024, a 0.1% increase from 2023, and a 90.0% increase since 2014.

How much cash does S&T Bancorp have?

In the past 10 years, S&T Bancorp's cash and equivalents has ranged from $99.40 million in 2015 to $922.22 million in 2021, and is currently $244.82 million as of their latest financial filing in 2024.

How has S&T Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, S&T Bancorp's book value per share changed from 20.42 in 2014 to 36.08 in 2024, a change of 76.7%.

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This page (NASDAQ:STBA) was last updated on 8/2/2025 by MarketBeat.com Staff

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S&T Bancorp (STBA) Financials

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