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S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company also manages private investment accounts for individuals and institutions. In addition, it engages in non-banking activities; and acts as a reinsurer of credit life, accident, and health insurance policies. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $402M | - | $134M | $129M | 9.2% | 4.7% | 2.3% |
| 2024 | $384M | - | $131M | $170M | 9.5% | -5.7% | -9.3% |
| 2023 | $407M | - | $145M | $166M | 11.3% | 8.8% | 6.8% |
| 2022 | $374M | - | $136M | $237M | 11.4% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 374.04 | 407.03 | 383.89 | 402.12 |
| Operating Revenue | - | 374.04 | 407.03 | 383.89 | 402.12 |
| Selling General And Administration | - | 111.68 | 122.07 | 132.54 | 137.79 |
| Interest Income | - | 340.19 | 475.59 | 514.82 | 515.31 |
| Interest Expense | - | 24.97 | 128.49 | 181.07 | 166.39 |
| Net Interest Income | - | 315.22 | 347.10 | 333.75 | 348.92 |
| Pretax Income | - | 168.93 | 178.80 | 164.82 | 167.94 |
| Tax Provision | - | 33.41 | 34.02 | 33.55 | 33.71 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Net Income From Continuing And Discontinued Operation | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Net Income From Continuing Operation Net Minority Interest | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Net Income | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Net Income Common Stockholders | - | 135.14 | 144.62 | 131.25 | 134.23 |
| Net Income Including Noncontrolling Interests | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Normalized Income | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Diluted NI Availto Com Stockholders | - | 135.14 | 144.62 | 131.25 | 134.23 |
| Basic Average Shares | - | 39 | 38.23 | 38.26 | 37.40 |
| Diluted Average Shares | - | 39.03 | 38.66 | 38.52 | 38.49 |
| Reconciled Depreciation | - | 9.03 | 7.52 | 10.86 | 10.44 |
| Total Unusual Items | 0 | 0 | - | - | - |
| Total Unusual Items Excluding Goodwill | 0 | 0 | - | - | - |
| Special Income Charges | 0 | 0 | - | - | - |
| Restructuring And Mergern Acquisition | 0 | 0 | - | - | - |
| Gain On Sale Of Security | - | 0.20 | 0 | -7.94 | -2.30 |
| General And Administrative Expense | - | 106.08 | 115.58 | 126.19 | 131.88 |
| Other Gand A | 16.68 | - | - | - | - |
| Salaries And Wages | - | 103.22 | 111.46 | 121.99 | 127.65 |
| Insurance And Claims | - | 2.85 | 4.12 | 4.20 | 4.24 |
| Selling And Marketing Expense | - | 5.60 | 6.49 | 6.35 | 5.91 |
| Otherunder Preferred Stock Dividend | 0.49 | 0.38 | 0.16 | 0.01 | - |
| Occupancy And Equipment | - | 26.42 | 27.73 | 28.66 | 29.71 |
| Professional Expense And Contract Services Expense | - | 8.32 | 7.82 | 5.47 | 5.45 |
| Other Non Interest Expense | - | 50.34 | 52.71 | 52.27 | 53.81 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| S&T Bancorp, Inc.this co. | STBA | $1.6B | 12.15↓ discount | 1.11 | 9.2% | - |
| Pathward Financial, Inc. | CASH | $1.7B | 9.01 | 1.94 | 21.6% | - |
| Dime Community Bancshares, Inc. | DCOM | $1.7B | 14.97 | 1.22 | 8.1% | - |
| Republic Bancorp, Inc. | RBCAA | $1.7B | 12.58 | 1.50 | 11.9% | - |
| FirstSun Capital Bancorp | FSUN | $1.6B |
| - |
| - |
| - |
| - |
| 16.83 |
| 1.43 |
| 8.5% |
| - |
| German American Bancorp, Inc. | GABC | $1.6B | 14.58 | 1.41 | 9.7% | - |
| TriCo Bancshares | TCBK | $1.6B | 13.41 | 1.23 | 9.2% | - |
| Hope Bancorp, Inc. | HOPE | $1.6B | 26.13 | 0.70 | 2.7% | - |
| Bank First Corporation | BFC | $1.6B | 21.96 | 2.44 | 11.1% | - |
| Peer Median | - | 14.77 | 1.42 | 9.4% | - | |