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S&T Bancorp Inc

S&T Bancorp Inc

STBA · NASDAQ · Financial Services / Banks - Regional

51.16USD+0.35 (+0.69%)

Price History

Full chart

Market Stats

Previous Close50.81
Open50.89
Day Range50.01 – 51.20
52-Week Range33.26 – 53.11
Volume161.00K
Market Cap1.76B
P/E (TTM)13.25
Forward P/E13.83
EPS3.76
Dividend Yield2.97%
Beta0.83
50-Day Avg50.63
200-Day Avg45.31

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Christopher J. McComish
  • Employees1.21K
  • Headquarters800 Philadelphia Street, Indiana, PA, United States, 15701, USA
  • Websitehttps://www.stbancorp.com

Leadership

  • Mr. Christopher J. McComishCEO & Chairman · b. 1965
  • Mr. David G. AntolikPresident & Director · b. 1967
  • Mr. Mark KochvarSenior EVP, CFO & Investor Relation Officer · b. 1961
  • Mr. Stephen A. DrahnakExecutive VP & Chief Commercial Banking Officer · b. 1971
  • Ms. LaDawn D. YeshoExecutive VP & Chief Risk Officer · b. 1975
  • Mr. Michael GoldenExecutive VP & COO
  • Ms. Melanie A. LazzariExecutive VP & Chief Accounting Officer · b. 1980
  • Ms. Rachel L. SmydoExecutive VP, General Counsel & Corporate Secretary · b. 1978
  • Deidre A. WilsonSenior VP & Chief Compliance Officer
  • Krista MartiniVice President of Marketing

Financials

Income Statement

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue81.70M86.60M95.50M93.60M99.60M136.10M144.50M157.50M175.90M176.80M198.34M197.93M183.84M187.66M182.84M209.51M245.09M256.21M253.57M233.67M227.63M209.14M208.16M202.19M206.86M254.58M282.41M316.10M337.13M373.04M380.21M353.96M399.01M535.52M564.96M568.51M
Growth (%)-+6.00%+10.28%-1.99%+6.41%+36.65%+6.17%+9.00%+11.68%+0.51%+12.18%-0.20%-7.12%+2.08%-2.57%+14.59%+16.98%+4.54%-1.03%-7.85%-2.58%-8.12%-0.47%-2.87%+2.31%+23.07%+10.93%+11.93%+6.65%+10.65%+1.92%-6.90%+12.73%+34.21%+5.50%+0.63%
Cost of Revenue48.70M48.10M48.90M40.60M42.90M61.90M63.80M67.30M79.80M73.90M90.14M81.71M64.10M54.37M45.29M64.51M100.96M104.98M85.05M121.46M64.08M43.34M43.84M22.87M14.20M26.39M42.48M48.79M70.38M88.57M172.50M29.36M33.33M146.38M181.20M173.82M
Gross Profit33.00M38.50M46.60M53.00M56.70M74.20M80.70M90.20M96.10M102.90M108.20M116.22M119.74M133.30M137.55M144.99M144.13M151.23M168.52M112.21M163.54M165.79M164.32M179.32M192.66M228.20M239.93M267.31M266.75M284.48M207.71M324.59M365.68M389.14M383.76M394.70M
Gross Margin40.39%44.46%48.80%56.62%56.93%54.52%55.85%57.27%54.63%58.20%54.55%58.72%65.13%71.03%75.23%69.21%58.81%59.03%66.46%48.02%71.85%79.28%78.94%88.69%93.14%89.64%84.96%84.56%79.12%76.26%54.63%91.70%91.65%72.67%67.93%69.43%
Operating Expense20.70M23.90M27.40M30.90M31.60M40.20M42.50M43.20M41.90M43.50M45.66M46.97M51.77M60.66M60.19M62.46M69.28M73.46M83.80M108.13M105.63M103.91M122.86M114.30M117.24M136.72M143.23M147.91M143.57M167.12M186.67M188.93M196.75M210.33M218.94M226.76M
Operating Income12.30M14.60M19.20M22.10M25.10M34.00M38.20M47.00M54.20M59.40M62.54M69.25M67.97M72.64M77.36M82.53M74.85M77.77M84.72M4.08M57.91M61.89M41.46M65.02M75.42M91.48M96.70M119.41M123.18M117.36M21.04M135.67M168.93M178.80M164.82M167.94M
Operating Margin15.06%16.86%20.10%23.61%25.20%24.98%26.44%29.84%30.81%33.60%31.53%34.99%36.97%38.71%42.31%39.39%30.54%30.35%33.41%1.75%25.44%29.59%19.92%32.16%36.46%35.93%34.24%37.77%36.54%31.46%5.53%38.33%42.34%33.39%29.17%29.54%
EBITDA13.50M15.70M22.70M25.20M28.40M36.80M41.20M49.80M57.00M62.20M65.22M72.42M72.54M78.61M82.39M86.73M79.06M82.36M89.74M11.13M64.50M68.21M48.46M70.35M80.13M91.83M100.33M121.90M130.48M129.08M33.10M147.15M177.96M186.32M175.68M175.05M
EBITDA Margin16.52%18.13%23.77%26.92%28.51%27.04%28.51%31.62%32.40%35.18%32.89%36.59%39.46%41.89%45.06%41.40%32.26%32.14%35.39%4.76%28.34%32.61%23.28%34.79%38.74%36.07%35.52%38.56%38.70%34.60%8.71%41.57%44.60%34.79%31.10%30.79%
Net Income10.40M11.20M14.30M16.30M18.40M24.80M28.20M33.40M38.00M41.40M44.97M51.07M48.60M51.78M54.36M58.24M53.34M56.14M60.20M7.95M43.48M47.26M34.20M50.54M57.91M67.08M71.39M72.97M105.33M98.23M21.04M110.34M135.52M144.78M131.26M134.23M
Net Income Margin12.73%12.93%14.97%17.41%18.47%18.22%19.52%21.21%21.60%23.42%22.67%25.80%26.44%27.59%29.73%27.80%21.76%21.91%23.74%3.40%19.10%22.60%16.43%25.00%27.99%26.35%25.28%23.08%31.24%26.33%5.53%31.17%33.96%27.04%23.23%23.61%
R&D---------------------00000000-------
R&D as % of Total Revenue---------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense44.20M43.80M43.10M37.00M39.40M57.70M58.60M62.30M69.20M69.90M86.14M76.71M56.30M47.07M40.89M59.51M91.58M99.17M72.17M49.10M34.57M27.73M21.02M14.56M12.48M16.00M24.52M34.91M55.39M73.69M41.08M13.15M24.97M128.49M181.07M166.39M
Interest Expense % of Total Revenue54.10%50.58%45.13%39.53%39.56%42.40%40.55%39.56%39.34%39.54%43.43%38.76%30.62%25.08%22.36%28.41%37.37%38.71%28.46%21.01%15.19%13.26%10.10%7.20%6.03%6.28%8.68%11.04%16.43%19.75%10.80%3.72%6.26%23.99%32.05%29.27%

Balance Sheet

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets822.70M1.06B1.11B1.19B1.29B1.40B1.79B1.92B2.07B2.19B2.31B2.36B2.82B2.90B2.99B3.19B3.34B3.42B4.44B4.17B4.11B4.12B4.53B4.53B4.96B6.32B6.94B7.06B7.25B8.76B8.97B9.49B9.11B9.55B9.66B9.87B
Total Liabilities731.40M961.80M997.90M1.07B1.15B1.23B1.56B1.66B1.81B1.95B2.03B2.06B2.52B2.57B2.64B2.84B3.00B3.08B3.99B3.62B3.54B3.63B3.99B3.96B4.36B5.53B6.10B6.18B6.32B7.57B7.81B8.28B7.93B8.27B8.28B8.41B
Total Equity91.30M98.40M108.90M121.10M141.60M166.90M226.10M260.10M259.60M239.70M277.10M293.33M306.11M332.72M349.13M352.42M339.05M337.56M448.69M553.32M578.66M490.53M537.42M571.31M608.39M792.24M841.96M884.03M935.76M1.19B1.15B1.21B1.18B1.28B1.38B1.46B
Cash46.20M55.10M34.80M36.10M42.60M40.00M40.80M36.10M48.80M38.80M43.66M52.78M50.26M52.36M47.33M56.19M59.98M74.88M69.78M69.15M108.20M270.53M337.71M108.36M109.58M99.40M139.49M117.15M155.49M197.82M229.67M922.22M210.01M233.61M244.82M163.44M
Total Debt38.00M41.60M86.20M165.70M233.30M219.70M251.70M323.60M378.90M480.10M458.68M403.51M531.04M548.95M409.71M371.61M384.96M406.28M692.84M272.75M160.64M227.86M262.30M241.28M385.67M580.75M771.16M683.08M604.32M416.35M227.93M161.31M439.19M503.63M250.31M310.95M
Net Debt-8.20M-13.50M51.40M129.60M190.70M179.70M210.90M287.50M330.10M441.30M415.02M350.73M480.79M496.59M362.38M315.42M324.98M331.40M623.06M203.55M52.44M-42.66M-75.41M132.92M276.09M481.35M631.68M565.93M448.83M218.53M-1.74M-760.90M229.19M270.02M5.49M147.51M

Cash Flow

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow14.00M15.10M21.00M16.20M26.00M27.90M36.10M35.20M38.30M20.40M44.22M42.32M50.30M50.83M62.24M51.98M51.24M63.84M76.00M54.57M88.98M73.90M83.89M86.08M78.10M60.58M96.81M114.24M128.02M138.42M53.45M216.11M240.43M171.75M173.37M133.62M
Investing Cash Flow-14.40M-35.70M-47.50M-88.10M-86.70M-79.30M-111.70M-112.90M-99.80M-149.30M-84.97M-34.37M-170.65M-75.91M-108.32M-203.03M-144.96M-69.07M-215.80M208.94M67.65M131.74M-8.32M-309.68M-437.05M-405.74M-616.65M-212.41M-201.96M-210.56M-161.10M11.98M-398.59M-444.22M-118.29M-314.80M
Financing Cash Flow1.90M12.70M31.00M74.30M66.60M51.40M69.60M73.00M74.30M118.80M45.74M1.17M117.82M27.18M41.05M159.91M97.51M20.12M134.69M-264.14M-117.64M-43.31M-8.38M-5.75M360.17M334.97M559.94M75.84M112.28M114.47M139.49M464.46M-554.05M296.07M-43.87M99.80M
Capital Expenditure1.20M2.40M2.60M3.70M1.80M1.90M3.00M2.00M1.90M1.90M2.10M3.41M4.33M2.28M4.94M6.50M9.50M5.39M3.94M1.58M3.47M2.53M2.18M2.83M5.08M5.13M3.56M4.69M4.17M5.15M5.42M3.61M3.86M6.22M2.99M4.77M
Free Cash Flow12.80M12.70M18.40M12.50M24.20M26.00M33.10M33.20M36.40M18.50M42.12M38.91M45.97M48.55M57.30M45.49M41.74M58.45M72.07M52.99M85.52M71.37M81.71M83.24M73.02M55.45M93.24M109.54M123.84M133.27M48.03M212.50M236.57M165.53M170.37M128.85M
Dividends Paid3.40M3.90M4.20M5.30M6.40M8.80M10.70M14.20M17.50M20.10M22.13M24.20M25.95M26.73M28.10M29.34M30.05M29.79M32.30M29.94M22.12M21.90M17.36M18.14M20.20M24.49M26.78M28.57M34.54M37.36M43.95M44.33M46.95M49.71M50.97M52.89M
FCF to OCF91.43%84.11%87.62%77.16%93.08%93.19%91.69%94.32%95.04%90.69%95.24%91.94%91.40%95.51%92.06%87.51%81.46%91.55%94.82%97.11%96.10%96.58%97.40%96.71%93.50%91.53%96.31%95.89%96.74%96.28%89.87%98.33%98.39%96.38%98.27%96.43%
Dividend Paid to FCF26.56%30.71%22.83%42.40%26.45%33.85%32.33%42.77%48.08%108.65%52.55%62.21%56.44%55.05%49.04%64.50%71.99%50.97%44.82%56.50%25.86%30.69%21.24%21.79%27.67%44.16%28.73%26.08%27.89%28.03%91.49%20.86%19.85%30.03%29.92%41.05%

Earnings

Report DateOct 17, 1995Jan 16, 1996Apr 16, 1996Jul 16, 1996Oct 22, 1996Jan 20, 1997Apr 22, 1997Jul 22, 1997Oct 21, 1997Jan 20, 1998Apr 21, 1998Jul 21, 1998Oct 20, 1998Jan 19, 1999Apr 20, 1999Jul 20, 1999Oct 19, 1999Jan 18, 2000Apr 17, 2000Jul 18, 2000Oct 17, 2000Jan 16, 2001Apr 16, 2001Jul 17, 2001Sep 30, 2001Dec 31, 2001Apr 15, 2002Jul 16, 2002Oct 22, 2002Jan 21, 2003Apr 21, 2003Jul 21, 2003Oct 21, 2003Jan 16, 2004Apr 19, 2004Jul 19, 2004Oct 19, 2004Jan 21, 2005Apr 18, 2005Jul 18, 2005Oct 18, 2005Jan 16, 2006Apr 17, 2006Jul 18, 2006Oct 17, 2006Jan 22, 2007Apr 16, 2007Jul 17, 2007Oct 16, 2007Jan 21, 2008Apr 21, 2008Jul 21, 2008Oct 21, 2008Jan 30, 2009Apr 20, 2009Jul 20, 2009Oct 19, 2009Jan 25, 2010Apr 19, 2010Jul 19, 2010Oct 25, 2010Jan 31, 2011Apr 26, 2011Jul 25, 2011Oct 24, 2011Jan 23, 2012Apr 23, 2012Jul 23, 2012Oct 23, 2012Jan 29, 2013Apr 23, 2013Jul 23, 2013Oct 29, 2013Jan 28, 2014Apr 29, 2014Jul 29, 2014Oct 28, 2014Jan 27, 2015Apr 21, 2015Jul 21, 2015Oct 20, 2015Jan 26, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 26, 2017Apr 20, 2017Jul 20, 2017Oct 19, 2017Jan 25, 2018Apr 19, 2018Jul 19, 2018Oct 18, 2018Jan 31, 2019Apr 18, 2019Jul 18, 2019Oct 24, 2019Jan 30, 2020Apr 30, 2020Jul 30, 2020Oct 22, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 27, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 19, 2023Jan 25, 2024Apr 18, 2024Jul 18, 2024Oct 17, 2024Jan 30, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate0.230.240.240.260.270.270.280.280.300.310.310.330.340.350.360.380.380.400.380.400.410.420.420.44--0.420.440.470.480.490.470.480.490.490.500.530.520.510.530.550.560.560.550.550.570.530.540.560.570.560.590.610.550.490.160.150.240.270.320.320.350.350.290.330.360.400.370.320.320.350.360.410.420.390.440.470.480.470.500.560.540.520.490.500.540.530.570.600.620.690.610.760.780.740.750.770.770.510.300.430.510.640.680.610.630.580.660.830.940.940.890.910.860.780.740.810.770.750.810.860.880.870.920.99
EPS Actual0.230.240.250.260.270.270.280.300.310.310.330.340.340.350.370.370.380.390.400.410.420.430.430.440.440.440.430.440.460.480.470.480.500.490.480.510.500.540.510.580.540.550.540.430.570.520.520.560.550.540.600.540.570.57-0.11-0.370.280.280.350.280.390.410.170.480.440.330.230.310.450.320.350.470.410.400.470.490.490.510.460.540.540.500.460.490.590.510.510.580.650.650.700.610.800.770.660.780.800.850.39-0.850.430.620.810.720.700.570.740.740.951.031.020.890.870.960.810.890.850.860.870.830.910.890.941.02-
Surprise0.00%0.00%4.17%0.00%0.00%0.00%0.00%7.14%3.33%0.00%6.45%3.03%0.00%0.00%2.78%-2.63%0.00%-2.50%5.26%2.50%2.44%2.38%2.38%0.00%--2.38%0.00%-2.13%0.00%-4.08%2.13%4.17%0.00%-2.04%2.00%-5.66%3.85%0.00%9.43%-1.82%-1.79%-3.57%-21.82%3.64%-8.77%-1.89%3.70%-1.79%-5.26%7.14%-8.47%-6.56%3.64%-122.45%-331.25%86.67%16.67%29.63%-12.50%21.88%17.14%-51.43%65.52%33.33%-8.33%-42.50%-16.22%40.63%0.00%0.00%30.56%0.00%-4.76%20.51%11.36%4.26%6.25%-2.13%8.00%-3.57%-7.41%-11.54%0.00%18.00%-5.56%-3.77%1.75%8.33%4.84%1.45%0.00%5.26%-1.28%-10.81%4.00%3.90%10.39%-23.53%-383.33%0.00%21.57%26.56%5.88%14.75%-9.52%27.59%12.12%14.46%9.57%8.51%0.00%-4.40%11.63%3.85%20.27%4.94%11.69%16.00%2.47%5.81%1.14%8.05%10.87%-
Timing-----Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.76B
Enterprise Value1.82B
Trailing P/E13.25
Forward P/E13.83
PEG Ratio1.23
Price / Sales4.34
Price / Book0.99
EPS3.76
Book Value39.81
Revenue (TTM)404.69M
Gross Profit (TTM)404.69M
Profit Margin34.75%
Operating Margin44.69%
Return on Equity9.87%
Return on Assets1.42%
Shares Outstanding35.27M
Shares Float34.80M
Beta0.83
Dividend Yield2.97%
Dividend Rate1.48
Payout Ratio38.83%

Analyst Ratings

Hold
Based on 5 analystsTarget 53.33
  • Hold
    5

Ownership Breakdown

Institutions
75.55%
Insiders
1.58%
Retail / Other
22.87%

Top Institutional Holders

  • BlackRock Inc
    5.37M15.21%
  • Vanguard Portfolio Management, LLC
    2.44M6.91%
  • Dimensional Fund Advisors, Inc.
    2.33M6.59%
  • State Street Corp
    1.78M5.03%
  • Vanguard Capital Management, LLC
    1.67M4.72%
  • Charles Schwab Investment Management Inc
    1.34M3.79%
  • Geode Capital Management, LLC
    959.56K2.72%
  • American Century Companies Inc
    667.55K1.89%
  • Bank of America Corp
    631.87K1.79%
  • Two Sigma Investments LLC
    501.20K1.42%
  • Northern Trust Corp
    458.71K1.30%
  • The Goldman Sachs Group Inc
    408.55K1.16%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    2.19M6.21%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.15M3.25%
  • Schwab US Dividend Equity ETF™
    978.68K2.78%
  • iShares Russell 2000 ETF
    889.78K2.52%
  • Vanguard Small Cap Index
    827.21K2.35%
  • Vanguard MStar Small Cap Value Index
    525.71K1.49%
  • Avantis US Small Cap Value ETF
    509.24K1.44%
  • DFA US Small Cap Value I
    502.35K1.42%

Dividends

20264×
0.38Nov 12, 20260.37Aug 18, 20260.37May 14, 20260.36Feb 12, 2026
20254×
0.36Nov 13, 20250.34Aug 14, 20250.34May 15, 20250.34Feb 13, 2025
20244×
0.34Nov 7, 20240.33Aug 8, 20240.33May 8, 20240.33Feb 7, 2024
20234×
0.33Nov 8, 20230.32Aug 9, 20230.32May 10, 20230.32Feb 9, 2023
20224×
0.31Nov 2, 20220.30Aug 3, 20220.30May 4, 20220.29Feb 9, 2022
20214×
0.29Nov 3, 20210.28Aug 4, 20210.28May 5, 20210.28Feb 10, 2021

Stock Splits

  • Nov 2, 19982:1
  • Sep 16, 19942:1
  • Jun 15, 19922:1