S&T Bancorp, Inc.
- Open
- 49.85
- Day high
- 50.01
- Day low
- 49.43
- Prev close
- 49.97
- Volume
- 214K
- Mkt cap
- $1.8B
- P/E (TTM)
- 14.0
- EPS (TTM)
- $3.56
- P/B
- 1.3
- P/S
- 3.1
- Yield
- 1.47%
- Per share
- $0.73
S&T Bancorp, Inc. (STBA) is a Financial Services company listed on NASDAQ. The stock is up 27% over the past year.
S&T Bancorp, Inc. (STBA) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
STBA earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.87 | $0.94 | +8.0% | — | — |
| Oct 23, 2025 | $0.86 | $0.91 | +6.1% | $103M | +0.0% |
| Jul 24, 2025 | $0.80 | $0.83 | +3.7% | $100M | -2.1% |
| Apr 24, 2025 | $0.74 | $0.87 | +17.6% | $94M | -2.7% |
| Jan 30, 2025 | $0.78 | $0.86 | +10.3% | $94M | -1.7% |
| Oct 17, 2024 | $0.81 | $0.85 | +4.9% | $96M | -0.5% |
| Jul 18, 2024 | $0.74 | $0.89 | +20.3% | $97M | +0.6% |
| Apr 18, 2024 | $0.78 | $0.81 | +3.8% | $96M | +0.6% |
| Jan 25, 2024 | $0.86 | $0.96 | +11.6% | $103M | +3.4% |
| Oct 19, 2023 | $0.91 | $0.87 | -4.4% | $100M | +0.4% |
| Jul 20, 2023 | $0.89 | $0.89 | +0.0% | $102M | +0.8% |
| Apr 20, 2023 | $0.94 | $1.02 | +8.5% | $102M | -2.4% |
STBA insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 3, 2026 | Lazzari Melanie Aofficer: Executive Vice President | Grant | 1,500 | — |
| Jun 3, 2026 | Yesho LaDawn Dofficer: Executive Vice President | Grant | 1,500 | — |
| Jun 3, 2026 | Nicholson Susan Aofficer: Executive Vice President | Grant | 3,000 | — |
| Jun 3, 2026 | Smydo Rachel Lynnofficer: Executive Vice President | Grant | 1,500 | — |
| May 14, 2026 | GRUBE JEFFREY Ddirector | Option | 1,290 | $44.03 |
| May 14, 2026 | Adkins Lewis W Jrdirector | Option | 1,290 | $44.03 |
| May 14, 2026 | Gurt Peter Gdirector | Grant | 1,136 | — |
| May 14, 2026 | Barsz Peter Richarddirector | Grant | 1,136 | — |
| May 14, 2026 | Cassotis Christina Annedirector | Option | 1,290 | $44.03 |
| May 14, 2026 | HIEB WILLIAM Jdirector | Option | 1,290 | $44.03 |
| May 14, 2026 | Cassotis Christina Annedirector | Grant | 1,136 | — |
| May 14, 2026 | HIEB WILLIAM Jdirector | Grant | 1,136 | — |
| May 14, 2026 | Adkins Lewis W Jrdirector | Grant | 1,136 | — |
| May 14, 2026 | DONNELLY MICHAEL Jdirector | Grant | 1,136 | — |
| May 14, 2026 | Ramachandran Bhaskardirector | Grant | 1,136 | — |
Source: STBA SEC Form 4 filings, latest Jun 3, 2026. For informational purposes only — not investment advice.
See the full STBA insider & 13F page →S&T Bancorp, Inc. company profile
Overview
S&T Bancorp, Inc. (NASDAQ:STBA) is a regional bank holding company founded in 1902 and headquartered in Indiana, Pennsylvania. The company operates through its primary subsidiary, S&T Bank, providing traditional commercial and retail banking services across Western and Eastern Pennsylvania, Northeast and Central Ohio, and Upstate New York. With over 120 years of banking history, S&T has evolved from a small community bank into a regional financial institution with approximately $9.7 billion in total assets as of December 2024. The bank operates 73 banking branches and 5 loan production offices, positioning itself as a relationship-focused community bank serving both individual consumers and commercial clients in its geographic footprint.
Business
S&T Bancorp operates as a traditional regional bank, providing comprehensive banking and financial services through six primary business segments. The company's core business revolves around accepting customer deposits and using those funds to make loans, earning revenue from the interest rate spread between what it pays depositors and what it charges borrowers. The bank's lending portfolio is diversified across several key segments: Commercial Real Estate financing for property investments and development projects, Commercial and Industrial (C&I) loans for business operations and equipment, Business Banking serving small and medium-sized enterprises, Commercial Construction loans for development projects, Consumer Real Estate including residential mortgages and home equity loans, and Other Consumer lending for personal needs. Commercial lending represents the majority of the loan portfolio, while consumer lending provides diversification and stability. Beyond traditional lending and deposit services, S&T offers cash management services to help businesses manage their daily financial operations, brokerage and trust services for investment management, and acts as guardian and custodian for employee benefit plans. The bank also distributes life insurance and disability income insurance products, provides title insurance agency services to commercial customers, and operates a reinsurance business for credit life and health insurance policies. These fee-based services complement the bank's core net interest income and provide additional revenue streams that are less dependent on interest rate fluctuations.
Revenue model
S&T Bancorp generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings. This traditional banking model depends on maintaining a positive interest rate spread, where the bank pays lower rates to depositors than it charges borrowers. The company's net interest margin has ranged between 3.70% to 4.00% in recent periods, indicating the profitability of this core banking function. The bank's customers include individual consumers seeking mortgages, personal loans, and deposit accounts, as well as commercial clients ranging from small businesses to lower middle-market companies requiring operating loans, real estate financing, and cash management services. Fee-based services provide additional revenue through trust and investment management fees, insurance commissions, cash management service charges, and loan origination fees. Several factors influence S&T's profitability margins. Interest rate environment significantly impacts both funding costs and loan yields, with rising rates generally benefiting banks through improved net interest margins, though deposit competition can pressure funding costs. Credit quality directly affects profitability through loan loss provisions, with economic downturns potentially increasing charge-offs and reducing margins. Deposit mix is crucial, as demand deposit accounts (checking accounts) typically cost less than time deposits, with S&T maintaining approximately 29% of deposits in non-interest bearing accounts. Competition from larger regional banks and credit unions can pressure both loan pricing and deposit rates, while regulatory requirements such as the potential Durbin Amendment impact upon crossing $10 billion in assets could reduce interchange fee income by an estimated $6-7 million annually.
Competitive moat
S&T Bancorp's competitive moat is moderate and primarily derived from its established local market presence and relationship-based banking approach. The bank has built strong community ties over its 120+ year history in Western Pennsylvania and surrounding regions, creating customer loyalty and local market knowledge that larger national banks may struggle to replicate. This relationship banking model allows S&T to compete effectively against larger institutions by providing personalized service and local decision-making capabilities. However, the bank's moat faces several challenges. The regional banking industry is highly competitive, with numerous community banks, credit unions, and larger regional players competing for the same customer base. Geographic concentration in the Pennsylvania and Ohio markets creates vulnerability to local economic conditions, while the bank's relatively modest scale limits its ability to invest in technology and compete on pricing with larger institutions. The approaching $10 billion asset threshold will subject S&T to additional regulatory requirements including Durbin Amendment restrictions on interchange fees, potentially reducing profitability. Digital disruption poses an ongoing threat as fintech companies and online banks offer competitive rates and convenient services without the overhead of physical branches. Additionally, S&T's commercial real estate exposure, while well-managed, creates concentration risk in a potentially vulnerable sector. The bank's moat is primarily defensive rather than expansive, relying on maintaining existing relationships and market share rather than creating significant barriers to entry or sustainable competitive advantages that would allow for market expansion or premium pricing power.
Risks & safety
S&T Bancorp demonstrates solid financial stability with manageable risk levels, though some metrics warrant attention. • Liquidity and Solvency: Strong cash position of $245 million, minimal debt-to-equity ratio of 0.18, and positive free cash flow of $170 million annually indicate low solvency risk • Asset Quality: Criticized and classified assets reduced from 6% to 2.75% of total loans during 2024, with allowance for credit losses at 1.36% of total loans providing reasonable coverage • Capital Adequacy: Record capital levels with tangible common equity supporting growth and regulatory requirements • Valuation Metrics: Trading at 11.1x P/E ratio and 1.06x book value, suggesting reasonable valuation relative to earnings and tangible assets • Profitability Consistency: Return on assets of 1.37% and return on tangible common equity of 13.25% demonstrate solid profitability metrics • Regulatory Considerations: Approaching $10 billion asset threshold will trigger additional regulatory costs and Durbin Amendment impact of approximately $6-7 million annually • Geographic Concentration: Heavy exposure to Pennsylvania and Ohio markets creates regional economic sensitivity
Recent development
Over the past few years, S&T Bancorp has pursued several strategic initiatives focused on organic growth and operational efficiency. The bank has significantly expanded its commercial banking capabilities by increasing business and commercial banking teams by 15% during 2024, with particular emphasis on lower middle-market commercial and industrial lending and business banking segments. This expansion has contributed to a doubling of the loan pipeline compared to the previous year and positioned the bank for anticipated mid-single-digit loan growth in 2025. The company has refined its residential mortgage strategy while maintaining focus on portfolio lending rather than mortgage banking for fee income. S&T has also enhanced its treasury management and cash management capabilities, introducing integrated payables products for commercial customers and achieving notable success in growing demand deposit account balances to 29% of total deposits. Credit quality improvement has been a major focus, with criticized and classified assets declining by 31% during 2024 and falling from nearly 6% to 2.75% of total loans. The bank has strategically reduced exposure to certain commercial real estate sectors, including a $20 million reduction in office portfolio exposure while selectively growing multifamily commercial real estate with strict underwriting standards. S&T has also prepared for crossing the $10 billion asset threshold, which will subject the bank to enhanced regulatory requirements including the Durbin Amendment. Management has explored both organic growth strategies and potential merger and acquisition opportunities in contiguous markets including Pennsylvania, Ohio, Maryland, Virginia, and West Virginia, though current focus remains on organic expansion and talent recruitment.
STBA company profile · for informational purposes only — not investment advice.
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