Saturday 17 October 2026
Export STBA’s income statement to Excel — free account
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. In the quarter to June 2026, revenue was flat, EPS grew 22.9%, free cash flow was flat and total debt fell 24.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.
48.84
0.31
+0.64%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.87 | 18.93 | 12.57 | 14.24 | 46.00 | 11.26 | 9.81 | 9.04 | 11.21 | 11.24 |
Piotroski F-Score |
4 | 5 | 6 | 6 | 5 | 7 | 7 | 7 | 6 | 7 |
P/S ratio |
4.75 | 4.35 | 3.88 | 3.74 | 2.55 | 3.48 | 3.33 | 2.44 | 2.59 | 2.64 |
P/FCF ratio |
14.38 | 12.49 | 10.61 | 10.46 | 21.03 | 5.83 | 5.60 | 7.86 | 8.58 | 11.66 |
P/Operating CF |
54.96 | 44.60 | 30.72 | 30.58 | 17.79 | 28.55 | 37.60 | 42.32 | 26.76 | 41.57 |
P/B ratio |
1.59 | 1.55 | 1.41 | 1.17 | 0.84 | 1.02 | 1.12 | 1.02 | 1.06 | 1.03 |
Price to Tangible BV |
2.46 | 2.33 | 2.04 | 1.72 | 1.26 | 1.49 | 1.65 | 1.44 | 1.46 | 1.38 |
EV/Sales |
4.47 | 4.27 | 3.77 | 3.52 | 2.18 | 1.09 | 2.97 | 2.17 | 2.33 | 2.53 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.04 | 11.81 | 9.97 | 9.48 | 16.07 | 1.79 | 4.93 | 6.76 | 7.60 | 10.78 |
EV/FCF |
13.53 | 12.27 | 10.29 | 9.84 | 17.95 | 1.82 | 5.01 | 6.99 | 7.73 | 11.17 |
Quick Ratio |
0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.11 | 0.03 | 0.03 | 0.03 | 0.02 |
Current Ratio |
0.95 | 0.97 | 0.98 | 0.99 | 0.97 | 0.97 | 0.96 | 0.98 | 0.99 | 1.00 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.87% | 1.32% | 1.60% | 1.31% | 0.98% | 0.81% | 0.76% | 0.93% | 1.04% | 1.02% |
Debt/Equity |
0.07 | 0.11 | 0.12 | 0.10 | 0.08 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 |
Asset Turnover |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.36 | 1.57 | 1.22 | 1.41 | 2.46 | 1.96 | 1.78 | 1.19 | 1.32 | 1.00 |
Capex/Depreciation |
(0.47) | (0.66) | (0.39) | (0.34) | (0.33) | (0.21) | (0.25) | (0.45) | (0.21) | (0.67) |
| 8.71% | 8.43% | 11.54% | 9.21% | 1.79% | 9.30% | 11.30% | 11.72% | 9.85% | 9.44% | |
| 1.07% | 1.04% | 1.47% | 1.22% | 0.24% | 1.19% | 1.45% | 1.55% | 1.37% | 1.37% | |
ROIC |
7.92% | 8.68% | 8.59% | 7.25% | 1.44% | 23.48% | 10.11% | 9.82% | 8.34% | 7.49% |
Return on Tangible Assets |
(30.12%) | (48.92%) | (136.29%) | (3,454.65%) | (14.11%) | (54.05%) | (54.48%) | (133.14%) | (7,291.78%) | 212.22% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
57.08% | 51.18% | 47.33% | 45.74% | 83.05% | 57.96% | 51.41% | 42.62% | 38.78% | 41.19% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
0.90% | 0.95% | 0.56% | 0.65% | 0.19% | 0.69% | 0.80% | 0.72% | 0.82% | 0.94% |
Graham Net Nets |
(0.30) | (0.25) | (0.21) | (0.21) | (0.47) | (0.37) | (0.48) | (0.37) | (0.27) | (0.18) |
Graham Number |
33.46 | 34.60 | 42.69 | 46.82 | 18.95 | 44.12 | 48.71 | 53.15 | 52.63 | 54.94 |
Earnings Yield |
5.30% | 5.28% | 7.95% | 7.02% | 2.17% | 8.88% | 10.20% | 11.06% | 8.92% | 8.89% |
Free Cash Flow Yield |
6.95% | 8.00% | 9.42% | 9.56% | 4.76% | 17.16% | 17.85% | 12.72% | 11.66% | 8.57% |
Revenue per Share |
8.14 | 9.10 | 9.75 | 10.77 | 9.73 | 9.06 | 10.23 | 13.93 | 14.77 | 14.88 |
Operating CF per Share |
2.79 | 3.29 | 3.68 | 4.00 | 1.32 | 5.50 | 6.17 | 4.47 | 4.53 | 3.50 |
Capex per Share |
(0.10) | (0.12) | (0.12) | (0.15) | (0.14) | (0.09) | (0.09) | (0.14) | (0.08) | (0.12) |
Free Cash Flow per Share |
2.69 | 3.17 | 3.57 | 3.85 | 1.18 | 5.41 | 6.07 | 4.33 | 4.46 | 3.37 |
Cash per Share |
4.02 | 3.37 | 4.47 | 5.71 | 5.88 | 23.62 | 5.39 | 6.08 | 6.40 | 4.28 |
Shareholders Equity per Share |
24.28 | 25.45 | 26.91 | 34.42 | 29.55 | 30.90 | 30.39 | 33.40 | 36.10 | 38.33 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
24.28 | 25.45 | 26.91 | 34.42 | 29.55 | 30.90 | 30.39 | 33.40 | 36.10 | 38.33 |
Free Cash Flow |
93.30 | 109.96 | 123.98 | 133.34 | 46.16 | 211.26 | 236.82 | 166.24 | 170.43 | 128.85 |
Working Capital |
(281.29) | (191.36) | (118.79) | (59.78) | (204.26) | (255.86) | (297.32) | (157.63) | (46.83) | 19.39 |
Capital Expenditures |
(3.50) | (4.27) | (4.04) | (5.08) | (5.39) | (3.60) | (3.70) | (5.51) | (2.94) | (4.77) |
Net Current Asset Value |
(399.17) | (349.53) | (272.95) | (294.64) | (456.74) | (456.92) | (633.25) | (488.94) | (391.39) | (263.88) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
13.88 | 11.51 | 10.68 | 10.84 | 41.51 | 9.07 | 7.85 | 7.31 | 8.87 | 8.95 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.15 | 0.25 | 0.26 | 0.29 | 0.32 | 0.31 | 0.25 | 0.30 | 0.16 |
Cash ROIC |
8.96% | 10.05% | 10.27% | 8.86% | 3.14% | 9.58% | 16.18% | 10.35% | 9.88% | 7.46% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
78,499.60 | 56,752.71 | 37,390.44 | 34,852.02 | 65,938.66 | 221,956.75 | 105,546.66 | 21,366.83 | 15,689.51 | 17,458.40 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
5,074.49 | 5,350.13 | 5,550.91 | 6,355.25 | 7,228.56 | 7,708.53 | 7,608.25 | 7,370.87 | 7,652.44 | 7,870.97 |
Average Assets |
6,630.70 | 7,001.65 | 7,156.24 | 8,008.44 | 8,866.27 | 9,228.21 | 9,299.55 | 9,331.05 | 9,604.75 | 9,764.48 |
Average Common Equity |
817.10 | 862.99 | 909.90 | 1,063.88 | 1,173.35 | 1,180.58 | 1,195.56 | 1,234.05 | 1,331.87 | 1,422.09 |
Columns are period end dates