S&T Bancorp

STBA · Nasdaq · Financials · Financials, fiscal 2016 to 2025

STBA · Last close · November 6, 2026

$50.78

S&T Bancorp's revenue rose 4.8% to $402 million in fiscal 2025. Net income was $134 million, up 2.3%. Its return on equity was 9.4%, down from 9.9% a year earlier. Its efficiency ratio was 56.4%, down from 57.0% a year earlier. It paid out $89 million in dividends and buybacks.

S&T BANCORP, INC. Latest fiscal year ended December 31, 2025 10-K filed February 27, 2026 · 0000719220-26-000030 Updated November 6, 2026

Revenue

$402M

4.8%

Net income

$134M

2.3%

Return on equity

9.4%

0.4 pts

Return on tangible equity

12.8%

0.9 pts

Efficiency ratio

56.4%

0.6 pts

Market cap

$1.8B

Nov 6 close

P/E

12.9x

On $3.94 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 6.1% a year and net income 7.3% a year, as new shares raised the share count by 11% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	6,901	7,083	7,545	7,642	7,979
Deposits	7,996	7,220	7,522	7,783	7,959
Loans to deposits	86.3%	98.1%	100.3%	98.2%	100.2%
Provision for credit losses	16	5	19	2	6
Provision to average loans	0.2%	0.1%	0.3%	0.0%	0.1%
Total assets	9,488	9,111	9,552	9,658	9,871
Shareholders' equity	1,206	1,185	1,283	1,380	1,464

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project S&T Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open S&T Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, no insider bought S&T Bancorp shares on the open market, and 1 insider sold $887,084.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Aug 12, 2026	William J HiebDirector	Sold	11,979	$51.34	$614,977	Form 4
Aug 11, 2026	William J HiebDirector	Sold	5,310	$51.24	$272,107	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put S&T Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
S&T Bancorp	FY25	4.8%	33.4%	9.4%	12.8%	56.4%
Nicolet Bankshares	FY25	11.9%	38.4%	12.4%	17.8%	51.2%	Compare
Triumph Bancorp	FY25	5.6%	5.8%	2.8%	4.1%	91.8%	Compare
Tompkins Financial	FY25	49.2%	36.1%	19.5%	21.7%	47.1%	Compare
Dime Community Bancshares	FY25	44.2%	24.4%	7.7%	8.7%	55.9%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	258	281	284	299	339	341	374	407	384	402
Revenue growth	8.1%	9.0%	0.9%	5.5%	13.3%	0.5%	9.8%	8.8%	−5.7%	4.8%
Net interest income	203	226	234	247	279	276	316	349	335	350
Noninterest income	55	56	49	53	60	65	58	58	49	52
Noninterest expense	143	148	145	167	187	189	197	210	219	227
Provision for credit losses	—	—	—	15	131	16	5	19	2	6
Net income	71	73	105	98	21	110	136	145	131	134
Diluted EPS (US$)	2.05	2.09	3.01	2.82	0.53	2.81	3.46	3.74	3.41	3.49
Diluted shares (millions)	35	35	35	35	39	39	39	39	38	38
Payouts
Dividends paid	27	29	34	37	44	44	47	50	51	53
Share buybacks	0	0	12	18	13	0	8	20	0	36
Balance sheet at fiscal year end
Loans, net	5,559	5,705	5,886	7,075	7,108	6,901	7,083	7,545	7,642	7,979
Deposits	5,272	5,428	5,674	7,037	7,420	7,996	7,220	7,522	7,783	7,959
Total assets	6,943	7,060	7,252	8,765	8,968	9,488	9,111	9,552	9,658	9,871
Shareholders' equity	842	884	936	1,192	1,155	1,206	1,185	1,283	1,380	1,464
Ratios
Return on equity	8.7%	8.5%	11.6%	9.2%	1.8%	9.3%	11.3%	11.7%	9.9%	9.4%
Return on tangible common equity	13.7%	12.8%	17.0%	13.5%	2.6%	13.7%	16.6%	16.9%	13.8%	12.8%
Return on assets	1.1%	1.0%	1.5%	1.2%	0.2%	1.2%	1.5%	1.6%	1.4%	1.4%
Efficiency ratio	55.5%	52.6%	51.3%	55.8%	55.0%	55.4%	52.6%	51.7%	57.0%	56.4%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: S&T Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with S&T Bancorp.