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what it is
S&T Bancorp takes your deposits, makes loans, and sells trust and investment services across Pennsylvania, Ohio, and New York.
how it gets paid
Last year S & T Bancorp made $516M in revenue. net interest income was the main engine at $401M, or 78% of sales.
why it's growing
Revenue grew 0.1% last year. Quarterly earnings stayed in a tight band, with 2024 EPS running from $0.81 to $0.89 each quarter.
what just happened
The key takeaway was stability: last quarter EPS came in at $0.91, while full-year EPS landed at $3.41.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
40/100 earnings predictability — expect surprises
11.7x trailing p/e — the market's not buying it — or you found a deal
3.6% dividend yield — cash in your pocket every quarter
$3.41 fy2024 eps est
xvary composite: 59/100 — below average
What they do
S&T Bancorp takes your deposits, makes loans, and sells trust and investment services across Pennsylvania, Ohio, and New York.
This bank wins the old-fashioned way. You leave your checking account, business loan, and trust account in one place because moving all three is a headache. That stickiness shows up in a $9.8 billion asset base and 1,206 employees serving customers across three states.
How they make money
$516M
annual revenue · their business grew +0.1% last year
net interest income
$401M
+0.1%
deposit service charges
$45M
0.0%
trust and wealth management
$30M
0.0%
brokerage and investment advisory
$20M
0.0%
other banking fees
$20M
0.0%
The products that matter
business lending and treasury services
Commercial banking
drives the $394.7M net interest engine
Net interest income was $394.7M last year, or 76.5% of total revenue. That makes commercial lending the engine, and management's mid-single-digit loan growth target for 2026 matters.
core earnings driver
consumer deposits and household lending
Retail banking
funding base for a $9.8B asset bank
The balance sheet sits at $9.8B in total assets. Retail deposits matter because cheap funding is how a regional bank protects margin when rates start moving around.
funding matters
trust, investment, and fee services
Wealth management
part of the $121.3M fee bucket
Non-interest income was $121.3M, or 23.5% of revenue. This bucket won't carry the bank, but it gives you income that isn't entirely tied to loan spreads.
rate buffer
Key numbers
$3.41
fy2024 eps est
$6M
fy2024 rev est
11.7x
trailing p/e
3.6%
dividend yield
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 70 / 100
- long-term debt $100M (6% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for STBA right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The key takeaway was stability: last quarter EPS came in at $0.91, while full-year EPS landed at $3.41.
Quarterly earnings stayed in a tight band, with 2024 EPS running from $0.81 to $0.89 each quarter. That is less exciting than 2023, when quarterly EPS reached as high as $1.02, but it is still steady for a regional bank.
$516M
annual revenue
$0.91
last quarter eps
$3.41
full-year eps
the number that mattered
The number that matters is $3.41 in full-year EPS, because the stock at $40.48 is being valued mostly on whether that earnings base holds.
source: company earnings report, 2026
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What could go wrong
the #1 risk is net interest margin compression from rate cuts and deposit competition.
high
net interest margin compression
$394.7M of revenue comes from net interest income. If deposit costs stay high while loan yields soften, the core earnings engine takes the hit.
This directly pressures the 76.5% of revenue tied to spread income.
med
commercial credit deterioration
Commercial banking is the core earnings driver. If credit quality weakens, provision expense can erase a lot of the benefit from a 34.01% profit margin.
A few bad credit pockets can matter more at a $1B market cap than they do at a money-center bank.
med
fee income is too small to save the story
Non-interest income is $121.3M, or 23.5% of revenue. That's useful diversification, but not enough to fully offset a bad rate backdrop.
If spreads tighten, the fee bucket helps. It does not replace the main engine.
low
digital deposit competition
Online banks don't need as much branch overhead and can be aggressive on rates. That threatens the local funding advantage regional banks rely on.
Pressure here shows up through higher deposit costs before it shows up anywhere else.
With $394.7M of its $516.0M revenue tied to net interest income, STBA is still mostly a bet on spread economics holding up.
source: institutional data · regulatory filings · risk analysis
Pay attention to
capital
$100M buyback execution
The authorization is real. Now you want to see how fast management actually retires shares from here.
growth
mid-single-digit loan growth
Management pointed to this for 2026. If the loan book stays sluggish, the rerating case gets thinner.
mix
the 76.5% revenue concentration
Net interest income still dominates at $394.7M. You want that number stable or growing, not carrying the whole page alone.
income
dividend coverage
The quarterly dividend is $0.36 and the yield is 3.66%. It looks good until earnings quality starts slipping.
Analyst rankings
earnings predictability
40 / 100
in human-speak, analysts don't see this as a smooth earnings story. expect more variance here than you would from the highest-quality banks.
source: institutional data
Institutional activity
institutional ownership data for STBA is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$40
current price
n/a
target midpoint · n/a from current
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