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.
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% |