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STBAS&T Bancorp, Inc.
$49.92$1.8B
Overview & Verdict
Overview
Valuation & Forecasts
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Price & Analyst Data
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STBA logoS&T Bancorp, Inc.(STBA)Earnings, Financials & Key Ratios

STBA•NASDAQ•Banking & Credit
$49.92
14.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutS&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.Show more
  • Net Interest Income$350M+4.9%
  • Total Revenue$569M+0.6%
  • Net Income$134M+2.3%
  • Return on Equity9.44%-4.2%
  • Net Interest Margin3.55%+2.6%
  • Efficiency Ratio39.89%+2.9%
  • ROA1.37%+0.6%
  • Equity / Assets14.83%+3.8%
  • Book Value per Share38.03+6.1%

STBA Price & Volume

S&T Bancorp, Inc. (STBA) stock price & volume — 10-year historical chart

Loading chart...

Capital Resilience Offsets Stagnant Revenue Growth Trends

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Fortress
Cash Flow:Stable
Primary Risk:Commercial Real Estate Concentration

Key Thesis Takeaways

  • S&T Bancorp maintains a fortress balance sheet with an equity-to-assets ratio of 0.14, providing a necessary buffer against inherent credit risks within its concentrated commercial real estate portfolio.
  • While the bank has successfully navigated funding pressures to achieve 6.5% year-over-year net interest income growth as of 2026Q1, top-line expansion remains constrained by a stagnant asset base.
  • Investors should monitor the bank's ability to balance aggressive capital returns, evidenced by a $49.7 million share repurchase in 2026Q1, against the potential for increased credit provisioning as the economic cycle matures.

Verdict Logic

while the bank's PEG ratio of 0.31 suggests potential undervaluation, the stagnant asset growth and sensitivity to commercial real estate credit costs warrant a cautious approach.

STBA Growth Metrics

S&T Bancorp, Inc. (STBA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.37%
5 Years8.38%
3 Years12.53%
TTM-

Profit CAGR

10 Years7.18%
5 Years44.86%
3 Years-0.32%
TTM1.85%

EPS CAGR

10 Years6.1%
5 Years45.78%
3 Years0.29%
TTM2.88%

Return on Capital

10 Years8.94%
5 Years9.08%
3 Years8.07%
Last Year2.94%

STBA Recent Earnings

S&T Bancorp, Inc. (STBA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.94+8.4%
$0.87
Rev
$102M-1.5%
$104M
Q2 2026
Apr 16, 2026
Metric
Actual
Est
EPS
$0.94+8.9%
$0.86
Rev
$102M-1.5%
$104M
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.86-3.4%
$0.89
Rev
$105M+1.8%
$103M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.89+0.0%
$0.89
Rev
$105M+1.8%
$103M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.94vs $0.87+8.4%
$102Mvs $104M-1.5%
Q2 2026Apr 16, 2026
$0.94vs $0.86+8.9%
$102Mvs $104M-1.5%
Q1 2026Jan 29, 2026
$0.86vs $0.89-3.4%
$105Mvs $103M+1.8%
Q1 2026Jan 22, 2026
$0.89vs $0.89+0.0%
$105Mvs $103M+1.8%
Based on last 12 quarters of dataView full earnings history →

Latest STBA News

Recent stock market news and headlines for S&T Bancorp, Inc. (STBA)

PRNewsWire·Jul 1, 2026
S&T Bancorp, Inc. to Host Second Quarter Earnings Conference Call and Webcast

INDIANA, Pa., July 1, 2026 /PRNewswire/ -- S&T Bancorp, Inc. (S&T) (NASDAQ: STBA), the holding company for S&T Bank, announced today that a conference call detailing the company's second quarter earnings will be held live via webcast at 1:00 pm ET, Thursday, July 23, 2026.

Zacks Investment Research·Jun 19, 2026
S&T Bancorp (STBA) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does S&T Bancorp (STBA) have what it takes?

PRNewsWire·Jun 18, 2026
S&T BANK RAISES RECORD $120,000 FOR CHILDHOOD CANCER RESEARCH

INDIANA, Pa., June 18, 2026 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp Inc. (NASDAQ, STBA), today announced a record-breaking $120,000 donation to Alex's Lemonade Stand Foundation (ALSF) in 2026, exceeding its $85,000 goal.

PRNewsWire·Jun 17, 2026
S&T BANK NAMED A FORBES AMERICA'S BEST-IN-STATE BANK FOR 2026

INDIANA, Pa., June 17, 2026 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp, Inc. (NASDAQ:  STBA ), has been named to the Forbes America's Best-In-State Banks 2026 list, recognizing the financial institutions most valued by customers within their respective states.

Peers Comparison

Key metrics vs top competitors for S&T Bancorp, Inc. (STBA)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
STBA logoSTBAS&T Bancorp, Inc.Current
$49.92$1.8B14.300.63%23.61%9.44%2.75%
FULT logoFULTFulton Financial Corporation
$24.23$4.63B11.655.03%20.93%11.45%—
WSFS logoWSFSWSFS Financial Corporation
$76.24$3.97B14.98-3.05%22.64%11.38%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
CNOB logoCNOBConnectOne Bancorp, Inc.
$32.20$1.62B21.7613.44%13.35%6.32%—
TRMK logoTRMKTrustmark Corporation
$46.23$2.71B12.4934.75%19%10.75%—

Compare STBA vs Peers

S&T Bancorp, Inc. (STBA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FULT

Most directly comparable listed peer for STBA.

Scale Benchmark

vs HBAN

Larger-name benchmark to compare STBA against a more recognizable public peer.

Peer Set

Compare Top 5

vs FULT, WSFS, NBTB, CNOB

STBA SEC Filings & Documents

S&T Bancorp, Inc. (STBA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 15, 2026·SEC

Material company update

May 15, 2026·SEC

Material company update

May 4, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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STBA Frequently Asked Questions

S&T Bancorp, Inc. (STBA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is S&T Bancorp, Inc. growing?

S&T Bancorp, Inc. (STBA) grew revenue by 0.6% over the past year. Growth has been modest.

Is STBA profitable?

Yes, S&T Bancorp, Inc. (STBA) is profitable, generating $135.9M in net income for fiscal year 2025 (23.6% net margin).

Dividend & Returns
Does STBA pay dividends?

Yes, S&T Bancorp, Inc. (STBA) pays a dividend with a yield of 2.75%. This makes it attractive for income-focused investors.

What is STBA's return on equity?

S&T Bancorp, Inc. (STBA) has a return on equity (ROE) of 9.4%. This is below average, suggesting room for improvement.

Industry Metrics
What is S&T Bancorp, Inc.'s net interest margin?

S&T Bancorp, Inc. (STBA) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

What is S&T Bancorp, Inc.'s efficiency ratio?

S&T Bancorp, Inc. (STBA) has an efficiency ratio of 39.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in STBA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →