10-K · February 27, 2026
S&T Bancorp's 2025 10-K shows a midsized regional bank with $9.9 billion in assets, $8.1 billion in loans and $8.0 billion in deposits as of December 31, 2025, and continued focus on people-forward retail and commercial…
Earnings analysis · 10-Q
STBA earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
S&T Bancorp reported Q1 2026 results with revenues of $102.078 million, falling short of the estimate by about $1.435 million, while diluted EPS surpassed expectations at $0.94. Gross and operating margins show slight…
Read full summary
S&T Bancorp reported Q1 2026 results with revenues of $102.078 million, falling short of the estimate by about $1.435 million, while diluted EPS surpassed expectations at $0.94. Gross and operating margins show slight improvements but overall performance reflects a cautious but stable outlook in a mixed economic environment.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
From revenue to operating profit
Where each $100 of revenue went in this report.
Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.94
What stood out
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EPS Outperformance
Diluted EPS of $0.94 exceeded estimates of $0.87, reflecting a surprise of 8.05%.
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Stable Margins
Gross margin improved to 69.4% from 69.3% in Q1 2025, while operating margin increased to 30.7% from 30.8%.
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High Liquidity Position
Maintained $1.0 billion in highly liquid assets, representing 10.5% of total assets.
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Increased Shareholder Returns
The quarterly dividend was increased to $0.37, marking a 2.78% rise from the previous quarter.
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Impressive FCF Growth
Free cash flow was $27 million, consistent with historical performance despite slight revenue decline.
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Active Share Buybacks
1,146,100 shares repurchased under the $100 million buyback program at an average price of $43.30.
What to watch
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Credit Loss Allowance
There are ongoing concerns regarding the adequacy of credit loss allowances amid economic uncertainty.
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Nonperforming Assets Risk
Continued vigilance required on nonperforming assets which may impact overall asset quality.
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Interest Rate Risk Exposure
Sensitivity to interest rate changes remains a concern, specifically with rising rate environments impacting margins.
Management's outlook
Management did not provide numeric forward guidance for future quarters.
Earlier filings 4
10-Q · May 2, 2024
S&T reported Q1 results with total revenue of $96,307,000 (net interest income $83,477,000 + noninterest income $12,830,000), down from $101,981,000 a year earlier, and diluted EPS of $0.81 versus $1.02 in Q1 2023.…
10-K · February 27, 2024
S&T Bancorp's 2023 Form 10-K presents a regional community bank with $9.6 billion in assets, $7.7 billion in loans and $7.5 billion in deposits as of December 31, 2023, positioning the company below the $10 billion…
10-Q · November 3, 2023
S&T Bancorp reported quarter ended September 30, 2023 with revenue (net interest income plus noninterest income) of $99,569,000 and diluted EPS of $0.87. Net interest income rose to $87,387,000 (from $83,798,000),…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.