Saturday 17 October 2026 Export STBA’s income statement to Excel — free account

S&T Bancorp, Inc.

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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Market cap: $1.7B
P/E: 12.9×
Fwd P/E: 12.2×
Dividend yield: 2.99%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.89

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 2.71%

Capital & Financial Ratios $m

Market Cap 1,710.00

Revenue 573.72

Net Income 134.23

Free Cash Flow 143.09

Net Debt (142.54)

Current Ratio 0.99

Debt/Equity 0.05

P/E ratio 12.89

Fwd P/E 12.20

P/S ratio 3.04

P/B ratio 1.24

Past 5Y EPS Growth 45.78%

This Y EPS Growth 13.14%

Next Y EPS Growth 1.37%

Next Y revenue growth (25.67%)

Next 5Y EPS Growth 5.57%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 57.43%

10-year low 10-year high

P/S against its own 10 years 39.88%

10-year low 10-year high

P/B against its own 10 years 67.27%

10-year low 10-year high

Dividends

Payout Ratio 0.39

Annual Dividend Rate 1.46

Annual Dividend Yield 2.99%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.47	0.36 0.37 0.37
2025	1.38	0.34 0.34 0.34 0.36
2024	1.33	0.33 0.33 0.33 0.34
2023	1.29	0.32 0.32 0.32 0.33
2022	1.20	0.29 0.30 0.30 0.31
2021	1.13	0.28 0.28 0.28 0.29
2020	1.12	0.28 0.28 0.28 0.28
2019	1.09	0.27 0.27 0.27 0.28
2018	1.24	0.22 0.25 0.25 0.25 0.27
2017	0.82	0.20 0.20 0.20 0.22
2016	0.77	0.19 0.19 0.19 0.20

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	234	245	163	218
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	7,779	7,886	8,143	8,188

	2023	2024	2025	Q'26
Payables	7,522	7,783	7,959	8,086
ST’ Debt	—	—	—	—
Other	—	—	—	—
	7,937	7,933	8,124	8,286

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	140	143	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.94	1.02	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	23.06	31.72	35.60	33.30	16.98	24.20	26.51	24.51	28.83	30.84	Analyst estimates 2026–2028 Powerpack
	High	39.65	43.17	47.77	42.02	41.54	35.80	38.39	38.43	45.79	42.95
People
People	Employees	1,080	1,080	1,040	1,201	1,174	1,160	1,182	1,244	1,206	1,209
	Revenue/emp, $m	0.26	0.29	0.33	0.31	0.32	0.31	0.34	0.43	0.47	0.47
Income, $m
Income, $m	Revenue	282	316	339	373	380	354	399	536	565	569
	Gross margin, %	91.32	88.96	83.66	80.25	89.20	96.28	93.74	76.01	67.95	70.73
	EBT	97	119	123	117	21	136	169	179	165	168
	EBT margin, %	34.24	37.77	36.34	31.46	5.53	38.33	42.34	33.39	29.17	29.54
	Net income	71	73	105	98	21	110	136	145	131	134
	Depreciation	7	7	10	15	16	17	15	12	14	7
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
	Earnings	2.05	2.09	3.01	2.82	0.53	2.81	3.46	3.74	3.41	3.49
	Cash flow	2.79	3.29	3.68	4.00	1.32	5.50	6.17	4.47	4.53	3.50
	Capex	(0.10)	(0.12)	(0.12)	(0.15)	(0.14)	(0.09)	(0.09)	(0.14)	(0.08)	(0.12)
	Free cash flow	2.69	3.17	3.57	3.85	1.18	5.41	6.07	4.33	4.46	3.37
	Book value	24.28	25.45	26.91	34.42	29.55	30.90	30.39	33.40	36.10	38.33
	Shares, m	35	35	35	35	39	39	39	38	38	38
Valuation, ×
Valuation, ×	P/E	18.87	18.93	12.57	14.24	46.00	11.26	9.81	9.04	11.21	11.24
	P/S	4.75	4.35	3.88	3.74	2.55	3.48	3.33	2.44	2.59	2.64
	P/B	1.59	1.55	1.41	1.17	0.84	1.02	1.12	1.02	1.06	1.03
	EV/Sales	4.47	4.27	3.77	3.52	2.18	1.09	2.97	2.17	2.33	2.53
	EV/FCF	13.53	12.27	10.29	9.84	17.95	1.82	5.01	6.99	7.73	11.17
Cash, $m
Cash, $m	Operating cash flow	97	114	128	138	52	215	241	172	173	134
	Capex	(4)	(4)	(4)	(5)	(5)	(4)	(4)	(6)	(3)	(5)
	Free cash flow	93	110	124	133	46	211	237	166	170	129
Balance, $m
Balance, $m	Working capital	(281)	(191)	(119)	(60)	(204)	(256)	(297)	(158)	(47)	19
	Total debt	60	93	116	115	88	77	69	89	100	100
	Net debt	(79)	(24)	(40)	(83)	(142)	(845)	(141)	(145)	(145)	(63)
	Shareholders’ equity	842	884	936	1,192	1,155	1,206	1,185	1,283	1,380	1,464
Returns, %
Returns, %	ROA	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
	ROE	8.71	8.43	11.54	9.21	1.79	9.30	11.30	11.72	9.85	9.44

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
STBA S&T Bancorp, Inc.	$1.7B	12.9×	12.2×	+0.36% (above 0%: growing)	+22.89% (above 0%: growing)	−0.50% (below 0%: shrinking)	73.64%	0.00%
DCOM Dime Community Bancshares, Inc.	$1.7B	14.0×	11.2×	+4.11% (above 0%: growing)	+17.19% (above 0%: growing)	+159.40% (above 0%: growing)	67.80%	0.00%	Compare
HOPE Hope Bancorp, Inc.	$1.7B	13.4×	11.8×	+17.99% (above 0%: growing)	n/m	+727.66% (above 0%: growing)	57.96%	0.00%	Compare
HAPN Happen Inc.	$1.7B	8.5×	9.8×	+6.49% (above 0%: growing)	+51.52% (above 0%: growing)	+25.25% (above 0%: growing)	74.51%	0.00%	Compare
BY Byline Bancorp, Inc.	$1.7B	11.2×	10.4×	+1.37% (above 0%: growing)	+36.36% (above 0%: growing)	−32.50% (below 0%: shrinking)	73.03%	0.00%	Compare
FSUN FirstSun Capital Bancorp	$1.7B	19.0×	15.3×	+88.18% (above 0%: growing)	n/m	+8,383.96% (above 0%: growing)	67.96%	0.00%	Compare
NBHC National Bank Holdings Corporation	$1.7B	15.9×	13.3×	+22.58% (above 0%: growing)	−34.83% (below 0%: shrinking)	+394.28% (above 0%: growing)	71.00%	0.00%	Compare
TCBK TriCo Bancshares	$1.7B	12.4×	12.0×	+4.33% (above 0%: growing)	+27.38% (above 0%: growing)	−17.30% (below 0%: shrinking)	80.35%	0.00%	Compare
BFC Bank First National Corporation	$1.6B	19.2×	15.0×	+44.08% (above 0%: growing)	+29.24% (above 0%: growing)	+152.03% (above 0%: growing)	75.87%	0.00%	Compare
Median of peers	$1.7B	13.7×	11.9×	+12.24%	+28.31%	+155.72%	72.02%	0.00%

All 323 Banks Regional stocks →

S&T Bancorp, Inc. (STBA) key facts

Strength: S&T Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $568.5 million, up 0.63% from fiscal 2024.
S&T Bancorp, Inc. (STBA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, STBA traded at $48.84, a market capitalization of $1.7 billion.
S&T Bancorp, Inc. pays an annual dividend of $1.46 per share, a yield of 2.99%, with a payout ratio of 38.8%.
Return on equity was 9.44% and debt-to-equity 0.05.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.