S&T Bank/$STBA
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Capital at risk
About S&T Bank
S&T Bancorp Inc is a financial holding company providing a full range of financial services to individuals and businesses in Pennsylvania and Ohio, including retail and commercial banking products, cash management, and trust and brokerage services. Through its subsidiary, it offers consumer, commercial, and small business banking services, including time and demand deposits, commercial and consumer loans, brokerage and trust services, and manages private investment accounts for individuals and institutions. The company earns revenue mainly from interest on loans and securities and fees for financial services, with net interest income as the principal source of revenue, and incurs expenses for deposits, funding sources, provision for credit losses, and operating costs.
- Ticker
- $STBA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,209
- Headquarters
- Indiana, United States
- Website
- www.stbancorp.com
S&T Bank Metrics
BasicAdvanced
$1.8B
13.26
$3.76
0.84
$1.46
2.97%
Price and volume
Market cap
$1.8B
Beta
0.84
52-week high
$53.50
52-week low
$34.38
Average daily volume
263K
Dividend rate
$1.46
Financial strength
Dividend payout ratio (TTM)
37.96%
Profitability
Net profit margin (TTM)
34.75%
Operating margin (TTM)
44.49%
Effective tax rate (TTM)
19.98%
Revenue per employee (TTM)
$330,000
Management effectiveness
Return on assets (TTM)
1.42%
Return on equity (TTM)
9.87%
Valuation
Price to earnings (TTM)
13.262
Price to revenue (TTM)
4.578
Price to book
1.25
Price to tangible book (TTM)
1.71
Price to free cash flow (TTM)
12.948
Free cash flow yield (TTM)
7.72%
Free cash flow per share (TTM)
3.848
Dividend yield (TTM)
2.93%
Forward dividend yield
2.97%
Growth
Revenue change (TTM)
4.17%
Earnings per share change (TTM)
10.49%
3-year revenue growth (CAGR)
1.20%
3-year earnings per share growth (CAGR)
-1.16%
10-year earnings per share growth (CAGR)
6.57%
3-year dividend per share growth (CAGR)
-17.24%
10-year dividend per share growth (CAGR)
-0.54%
What the Analysts think about S&T Bank
Analyst ratings (Buy, Hold, Sell) for S&T Bank stock.
Analyst projections of the future price of S&T Bank stock.
Bulls say / Bears say
Second-quarter net income rose 22.9% year on year to $36.6 million, while net interest margin widened to 3.99%. Higher loan yields and a better funding mix lifted net interest income, showing improving earnings momentum. (S&T Bancorp)
Loans grew by $99 million in the second quarter, led by a $79 million rise in commercial and industrial lending and a $71 million increase in commercial construction. Management’s mid-single-digit growth outlook is supported by solid C&I and construction pipelines and a larger commercial banking team. (S&T Bancorp, StockAnalysis)
Credit performance improved, with non-performing assets falling to 0.50% of loans plus other real estate owned and quarterly net charge-offs at just 0.05% of average loans. The allowance covered 232% of non-accrual loans, giving the bank a substantial reported buffer against losses. (S&T Bancorp)
Total deposits fell by $99 million in the second quarter as brokered deposits declined, while borrowings rose by $125 million. Management also warned that the benefit from maturing certificates of deposit will fade after the third quarter and that aggressive pricing by competitors could lift funding costs again. (S&T Bancorp, Longbridge)
Permanent commercial real estate balances fell by $46 million as borrowers refinanced with non-bank lenders. That structural pay-off headwind could make the targeted loan growth harder to sustain, even if construction and C&I lending remain stronger. (The Motley Fool, StockAnalysis)
S&T expects to approach or exceed the $10 billion asset threshold in the second half of 2026. Management estimates this would add a little over $6 million to annual costs once fully phased in, creating a specific headwind to future profitability and returns. (StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.
S&T Bank Financial Performance
Revenues and expenses
S&T Bank Earnings Performance
Company profitability
Upcoming events
No upcoming events
S&T Bank News
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Funds containing S&T Bank
AllUSDGBPEUR
Fund name | Fund size | $STBA weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.10% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.10% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.06% |
L&G Global Quality Dividends£LDGG | £279M | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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