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