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S&T Bancorp (STBA) Financials

S&T Bancorp logo
$33.98 +0.67 (+2.01%)
Closing price 04:00 PM Eastern
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$33.98 0.00 (0.00%)
As of 04:14 PM Eastern
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Annual Income Statements for S&T Bancorp

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
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

Quarterly Income Statements for S&T Bancorp

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

Annual Cash Flow Statements for S&T Bancorp

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
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

Quarterly Cash Flow Statements for S&T Bancorp

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
Net Change in Cash & Equivalents
-415 280 -10 -55 -47 136 -73 135
Net Cash From Operating Activities
52 35 44 39 58 31 46 55
Net Cash From Continuing Operating Activities
- 241 0.00 - - 172 0.00 173
Net Income / (Loss) Continuing Operations
- 136 0.00 - - 145 0.00 131
Net Cash From Investing Activities
-33 -92 -56 -70 -211 -107 -8.34 -65
Net Cash From Continuing Investing Activities
-33 -92 -56 -70 -211 -107 -8.34 -65
Purchase of Property, Leasehold Improvements and Equipment
-1.32 -0.99 -1.44 -1.25 -2.23 -1.30 -0.64 -0.86
Purchase of Investment Securities
-101 -151 -84 -110 -244 -168 -44 -154
Sale of Property, Leasehold Improvements and Equipment
0.12 -0.09 0.06 0.65 -0.01 0.01 0.11 0.00
Sale and/or Maturity of Investments
68 60 30 40 35 63 37 89
Net Cash From Financing Activities
-228 132 46 15 164 71 -64 27
Net Cash From Continuing Financing Activities
-228 132 46 15 164 71 -64 27
Net Change in Deposits
-202 -191 -67 -12 82 299 79 128
Issuance of Debt
-4.26 335 125 60 100 -215 -130 -50
Repayment of Debt
-7.14 -0.11 -0.11 -0.12 -5.12 -0.12 -0.12 -38
Repurchase of Common Equity
-3.98 0.50 -0.02 -20 -0.04 0.52 -0.04 0.85
Payment of Dividends
-12 -12 -12 -12 -12 -13 -13 -13
Cash Interest Paid
5.12 12 18 23 34 36 41 51
Cash Income Taxes Paid
7.50 11 -0.01 24 4.10 9.16 0.14 9.59

Annual Balance Sheets for S&T Bancorp

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
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

Quarterly Balance Sheets for S&T Bancorp

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

Annual Metrics and Ratios for S&T Bancorp

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
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%

Quarterly Metrics and Ratios for S&T Bancorp

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

Frequently Asked Questions About S&T Bancorp's Financials

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

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

How has S&T Bancorp 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 4/15/2025 by MarketBeat.com Staff
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