S&T Bancorp, Inc. (STBA) Earnings
S&T Bancorp, Inc. is expected to report next earnings on July 23, 2026 (in NaN days), with a consensus EPS estimate of $0.92. STBA has beaten EPS estimates in 10 of its last 12 reported quarters (average surprise +8.9% over the last four).
| 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% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 23, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Chris mentioned the busy week in Pittsburgh with the NFL draft, customer engagement events, and appreciation for employees. - Discussed strong deposit growth, loan balance decline factors, credit results, managed income, non-interest income, expenses, and share repurchases. - Dave talked about loan growth factors, adjusted loan growth guidance to low single digits for Q2, and credit results. - Mark discussed managed income decline reasons, NIM, non-interest income, expenses, and capital and TTE ratio changes.
Guidance
- Expect relative NIM stability to continue with net interest income growth from return of loan growth. - Adjusted loan growth guidance to low single digits for Q2. - Expect 2026 non-existent expense year-over-year increase to around 3%, implying quarterly run rate of around $58 million. - Target capital ratios to be above median peer level, between median and 75th percentile.
Segment performance
Net income was $35 million, equating to $0.94 per share, up almost 6% from Q4 2025 and 8% from first quarter a year ago. ROA was 1.44%, up seven basis points; ROTCE was 13.22%, up almost 1% from Q4 2025. NIM was 3.92% and efficiency ratio was 55.3%. Customer deposits grew over $300 million, surpassing $8 billion, with DDA levels relative to total deposits at 28% in the quarter. Loan balances declined by $113 million in Q1. Non-performing assets were down $5.7 million to $50 million or 63 basis points. Loan charge-offs were $1.7 million or 9 basis points. Managed income declined by $2.6 million in first quarter. Non-interest income decreased by $0.7 million. Expenses were in line, down about $500,000 compared to fourth quarter. Capital and TTE ratio decreased by 43 basis points due to share purchases.