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S&T Bancorp, Inc.

STBA Financial Banks Regional

S&T Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $568.5 million, up 0.63% from fiscal 2024.

Revenue
+0.71%
EPS
+19.8%
Free cash flow
−0.50%
Total debt
−49.9%

Quarter to September 2026, against a year earlier

50.98 1.18 −2.26%
Market cap
$1.8B
P/E
12.8×
Fwd P/E
12.3×
Dividend yield
2.86%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.89
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 2.71%

Capital & Financial Ratios $m

Size
Market Cap 1,790.00
Revenue ttm 574.75
Net income ttm 134.23
Free cash flow ttm 143.09
Net debt Q (141.95)
Valuation
P/E 12.84
Forward P/E 12.30
Price / sales 3.17
Forward P/S Powerpack
Price / FCF 12.73
Price / book 1.30
Financial health
Current ratio Q 0.99
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +0.71% (above 0%: growing)
Operating income growth Q +11.19% (above 0%: growing)
EPS, this year +17.64% (at or above 15%: strong)
EPS, next year A +1.84%
Revenue, next year A −25.28% (below 0%: weak)
EPS, past 5 yrs +45.78% (at or above 15%: strong)
EPS, next 5 yrs A +6.61%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.84%
10-year low 10-year high
P/S against its own 10 years 45.14%
10-year low 10-year high
P/B against its own 10 years 72.02%
10-year low 10-year high

Dividends raised 7 years running

Yield
2.86%
Annual rate
1.46
Payout ratio
37.1%
Growth, 2018–26
+2.24%/yr
  1. 1.24 ’18
  2. 1.09 ’19 −12
  3. 1.12 ’20 +3
  4. 1.13 ’21 +1
  5. 1.20 ’22 +6
  6. 1.29 ’23 +8
  7. 1.33 ’24 +3
  8. 1.38 ’25 +4
  9. 1.48 ’26 +7
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 234 245 163 192
Receivables — — — —
Inventory — — — —
Other — — — —
7,779 7,886 8,143 8,154
2023 2024 2025 Q'26
Payables 7,522 7,783 7,959 8,064
ST’ Debt — — — —
Other — — — —
7,937 7,933 8,124 8,229

Compound Annual Growth %

10y 5y 3y
Sales 8.37% 8.38% 12.53%
Cash Flow 8.23% 20.98% (17.79%)
Earnings 7.23% 44.96% (0.22%)
Book Value 6.33% 4.86% 7.31%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.99 Actual 1.09

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.89 0.89 Met by 0.00
Q1 FY26 0.87 0.94 Beat by 0.07
Q2 FY26 0.92 1.02 Beat by 0.10
Q3 FY26 0.99 1.09 Beat by 0.10
Q4 FY26 1.06 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.94 1.02 1.09 — —
’25 0.87 0.83 0.91 0.89 3.49
’24 0.81 0.89 0.85 0.86 3.41
’23 1.02 0.89 0.87 0.96 3.74
’22 0.75 0.74 0.95 1.03 3.46
’21 0.81 0.72 0.70 0.57 2.81
’20 0.34 (0.85) 0.43 0.62 0.53
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 140 143 146 — —
’25 135 142 145 145 569
’24 141 142 143 139 565
’23 124 132 135 145 536
’22 85 90 105 119 399
’21 92 87 88 87 354
’20 100 96 93 91 380
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 43 28 — — —
’25 29 28 40 36 134
’24 46 45 28 55 173
’23 44 39 58 31 172
’22 87 67 52 35 241
’21 90 38 44 43 215
’20 (60) 28 29 55 52
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 42 27 — — —
’25 27 27 40 35 129
’24 46 44 27 54 170
’23 43 38 56 30 166
’22 86 66 51 34 237
’21 89 37 43 42 211
’20 (61) 27 27 54 46
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 282 316 339 373 380 354 399 536 565 569 575 +8.1% 425 440 451 (7.4%)
Gross margin, % 91.32 88.96 83.66 80.25 89.20 96.28 93.74 76.01 67.95 70.73 73.14 (20.6) pt
EBT 97 119 123 117 21 136 169 179 165 168 181 +6.3%
EBT margin, % 34.24 37.77 36.34 31.46 5.53 38.33 42.34 33.39 29.17 29.54 31.43 (4.7) pt
Net income 71 73 105 98 21 110 136 145 131 134 134 +7.3%
Per share, $
Per share, $ Revenue 8.14 9.10 9.75 10.77 9.73 9.06 10.23 13.93 14.77 14.88 0.00 +6.9%
Earnings 2.05 2.09 3.01 2.82 0.53 2.81 3.46 3.74 3.41 3.49 3.97 +6.1%
Cash flow 2.79 3.29 3.68 4.00 1.32 5.50 6.17 4.47 4.53 3.50 4.11 +2.5%
Capex (0.10) (0.12) (0.12) (0.15) (0.14) (0.09) (0.09) (0.14) (0.08) (0.12) (0.10) +2.4%
Free cash flow 2.69 3.17 3.57 3.85 1.18 5.41 6.07 4.33 4.46 3.37 4.01 +2.5%
Book value 24.28 25.45 26.91 34.42 29.55 30.90 30.39 33.40 36.10 38.33 0.00 +5.2%
Shares, m 35 35 35 35 39 39 39 38 38 38 37 +1.1%
Valuation, ×
Valuation, × P/E 18.87 18.93 12.57 14.24 46.00 11.26 9.81 9.04 11.21 11.24 12.84 16.3
P/S 4.75 4.35 3.88 3.74 2.55 3.48 3.33 2.44 2.59 2.64 3.17 3.4
P/B 1.59 1.55 1.41 1.17 0.84 1.02 1.12 1.02 1.06 1.03 1.30 1.2
EV/Sales 4.47 4.27 3.77 3.52 2.18 1.09 2.97 2.17 2.33 2.53 — 2.9
EV/FCF 13.53 12.27 10.29 9.84 17.95 1.82 5.01 6.99 7.73 11.17 — 9.7
Cash, $m
Cash, $m Operating cash flow 97 114 128 138 52 215 241 172 173 134 147 +3.6%
Capex (4) (4) (4) (5) (5) (4) (4) (6) (3) (5) (4) +3.5%
Free cash flow 93 110 124 133 46 211 237 166 170 129 143 +3.7%
Balance, $m
Balance, $m Working capital (281) (191) (119) (60) (204) (256) (297) (158) (47) 19 (75) n/m
Net debt (79) (24) (40) (83) (142) (845) (141) (145) (145) (63) (142) (2.5%)
Shareholders’ equity 842 884 936 1,192 1,155 1,206 1,185 1,283 1,380 1,464 1,407 +6.3%
Returns, %
Returns, % ROA 1.07 1.04 1.47 1.22 0.24 1.19 1.45 1.55 1.37 1.37 1.46 +0.3 pt
ROIC 7.92 8.68 8.59 7.25 1.44 23.48 10.11 9.82 8.34 7.49 8.92 (0.4) pt
ROE 8.71 8.43 11.54 9.21 1.79 9.30 11.30 11.72 9.85 9.44 0.00 +0.7 pt
People
People Employees 1,080 1,080 1,040 1,201 1,174 1,160 1,182 1,244 1,206 1,209 — +1.3%
Revenue/emp, $m 0.26 0.29 0.33 0.31 0.32 0.31 0.34 0.43 0.47 0.47 — +6.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

S&T Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BLX Bladex Inc. $2.3B 8.1× 7.6× +12.12% (above 0%: growing) +13.49% (above 0%: growing) −117.11% (below 0%: shrinking) 42.29% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00% Compare
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
FSUN FirstSun Capital Bancorp $1.8B 19.8× 19.8× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
STBA S&T Bancorp, Inc. $1.8B 12.8× 12.3× +0.71% (above 0%: growing) +19.78% (above 0%: growing) −0.50% (below 0%: shrinking) 73.62% 0.00%
OBK Origin Bancorp, Inc. $1.7B 16.8× 12.3× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
Median of peers $1.9B 13.6× 12.4× +8.16% +30.09% +42.17% 69.87% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 March 2026

Ownership

Directors and executive officers, together 1.28%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

S&T Bancorp, Inc. (STBA) Latest News

30 Oct

Impact 3 · · The Motley Fool

23 Oct

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24 Jul

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23 Jul

Impact 4 ·
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stockrow.com/STBA · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com