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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 |
| Pretax Income | - | 168.93 | 178.80 | 164.82 | 167.94 |
| Tax Provision | - | 33.41 | 34.02 | 33.55 | 33.71 |
| Net Income | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Net Income Common Stockholders | - | 135.14 | 144.62 | 131.25 | 134.23 |
| Interest Expense | - | 24.97 | 128.49 | 181.07 | 166.39 |
| Interest Income | - | 340.19 | 475.59 | 514.82 | 515.31 |
| Selling General And Administration | - | 111.68 | 122.07 | 132.54 | 137.79 |
| Normalized Income | - | 135.52 | 144.78 | 131.26 | 134.23 |
| Market Cap | 1,567.14 | 1,567.14 | 1,567.14 | 1,567.14 | 1,567.14 |
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 | - | 11.68↓ discount | 1.07 | 9.2% | - |
| Silvercrest Asset Management Group Inc. | SAMG | $107M | 23.59 | 2.04 | 5.8% | 9.86 |
| Sound Financial Bancorp, Inc. | SFBC | $98M | 14.04 | 0.96 | 6.5% | - |
| Kestrel Group Ltd | KG | $89M | 1.12 | 0.58 | 36.4% | - |
| Vroom, Inc. | VRM | $80M | - |
| - |
| - |
| - |
| - |
| 0.69 |
| -45.5% |
| 57.65 |
| Siebert Financial Corp. | SIEB | $72M | 13.46 | 0.79 | 5.7% | - |
| eHealth, Inc. | EHTH | $62M | - | 0.10 | 6.8% | 7.11 |
| MarketWise, Inc. | MKTW | $47M | 7.64 | -3.69 | -2.6% | -3.48 |
| GoHealth, Inc. | GOCO | $31M | - | 0.45 | 4834.1% | -7.69 |
| Peer Median | - | 13.46 | 0.63 | 6.1% | 7.11 | |