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S&T BANCORP INC

STBA

$50.85 ▼ -0.80 (-1.55%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

S&T BANCORP INC shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.9B

Dividend Yield 2.71%

Revenue Growth 4.7% ↗

Op. Margin 41.8% ↘

ROIC None

FCF / Share None

Trailing P/E 14.5x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.11

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$402.12M

↑ +4.7% —

Net Income Profit after all expenses

$134.23M

↑ +2.3% —

Operating Margin Operating profit as % of sales

41.8%

↓ -2.7% 94th

Long-Term Debt Long-term obligations

$34.10M

↑ +7.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns →

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.38 Latest / share

+3.8% YoY

+6.6% 12-yr CAGR

$0.68

FY 2014

$0.73

FY 2015

$0.77

FY 2016

$0.82

FY 2017

$0.99

FY 2018

$1.09

FY 2019

$1.12

FY 2020

$1.13

FY 2021

$1.20

FY 2022

$1.29

FY 2023

$1.33

FY 2024

$1.38

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	4.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	-5.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-195%)	8.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	9.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	13.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+121%)	5.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-86%)	9.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+51%)	8.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	22.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	3.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-47%)	-6.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	4.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	—	—
EPS Growth YoY (%)	2.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-8.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	23.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	420.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-81.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	44.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	14.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	44.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	1814.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	2.3% Caution ↓ Caution Declining Year-over-year change in net income	-9.3% Weak ↓ Weak Declining Year-over-year change in net income	6.8% Fair ↓ Fair Declining Year-over-year change in net income	22.8% Good ↓ Good Declining Year-over-year change in net income	424.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-78.6% Weak ↓ Weak Declining Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	44.4% Excellent ↑ Excellent Improving Year-over-year change in net income	2.2% Caution ↓ Caution Declining Year-over-year change in net income	6.4% Fair ↓ Fair Declining Year-over-year change in net income	15.8% Good ↑ Good Improving Year-over-year change in net income	14.6% Fair ↑ Fair Improving Year-over-year change in net income	47.8% Excellent ↓ Excellent Declining Year-over-year change in net income	-27.6% Weak ↓ Weak Declining Year-over-year change in net income	8.7% Fair Fair Year-over-year change in net income	446.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.4% Weak Weak Compound annual revenue growth over 3 years	0.5% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.3% Fair Fair Compound annual revenue growth over 5 years	1.0% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	91.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-2.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-36.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	18.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	8.3% Fair Fair Compound annual EPS growth over 3 years	156.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	41.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	42.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	33.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	34.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	35.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	36.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	32.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	6.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	32.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	37.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	25.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	27.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	28.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	18.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	26.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	22.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	4.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	7.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.52x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.67x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.84x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.53x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.30x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.20x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$10.53	$10.04	$10.59	$9.59	$8.73	$8.68	$8.64	$8.16	$8.10	$7.44	$7.06	$6.55	$6.43	$6.46	$6.49	—	—	—
Basic EPS, GAAP (USD)	$3.51	$3.43	$3.76	$3.47	$2.81	$0.54	$2.84	$3.03	$2.10	$2.06	$1.98	$1.95	$1.70	$1.18	$1.41	$1.34	$0.07	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.38	$1.33	$1.29	$1.20	$1.13	$1.12	$1.09	$0.99	$0.82	$0.77	$0.73	$0.68	$0.61	$0.60	$0.60	$0.60	$0.61	—
Book Value per Share (USD)	$39.14	$36.08	$33.57	$30.38	$30.66	$29.38	$30.13	$26.98	$25.28	$24.12	$22.76	$20.42	$19.21	$0.02	$0.02	$20.70	—	—
Tangible Book Value per Share (USD)	$29.09	$26.24	$23.70	$20.66	$20.99	$19.66	$20.46	$18.62	$16.83	$15.62	$14.19	$14.43	$13.17	$0.01	$0.01	$14.52	—	—
Basic Weighted Avg Shares (shares)	38.20M	38.24M	38.43M	38.99M	39.05M	39.07M	34.63M	34.78M	34.73M	34.68M	33.81M	29.68M	29.65M	28.98M	27.97M	—	—	—
Dividend Payout Ratio (%)	39.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	207.4% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	50.8% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	871.4% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$34.10M	$31.87M	$29.36M	—	—
Total Equity (USD)	$1.46B	$1.38B	$1.28B	$1.18B	$1.21B	$1.15B	$1.19B	$935.76M	$884.03M	$841.96M	$792.24M	$608.39M	$571.31M	$537.42M	$490.53M	$578.66M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$402.12M	$383.89M	$407.03M	$374.04M	$340.81M	$339.11M	$299.35M	$283.62M	$281.19M	$257.89M	$238.58M	$194.38M	$190.72M	$187.14M	$181.40M	$193.06M	$184.56M	—
Depreciation Expense (USD)	$5.90M	$6.70M	$6.50M	$6.40M	$6.60M	$6.70M	$5.40M	$5.00M	$5.10M	$5.00M	$4.74M	$3.46M	$3.51M	$3.91M	$4.25M	—	—	—
Net Income, GAAP (USD)	$134.23M	$131.26M	$144.78M	$135.52M	$110.34M	$21.04M	$98.23M	$105.33M	$72.97M	$71.39M	$67.08M	$57.91M	$50.54M	$34.20M	$47.26M	$43.48M	$7.95M	—
Operating Cash Flow (USD)	$133.62M	$173.37M	$171.75M	$240.53M	$214.85M	$53.45M	$138.42M	$128.02M	$114.24M	$96.80M	$60.58M	$78.10M	$86.08M	$83.89M	$73.90M	$88.98M	$54.57M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.5%	3.7%	3.5%	2.9%	3.1%	2.8%	3.2%	3.2%	2.9%	3.0%	3.0%	3.1%	3.0%	3.3%	3.5%	—	—
Efficiency Ratio (%) (%)	56.4%	57.0%	51.7%	52.6%	55.4%	55.0%	55.8%	51.3%	52.6%	55.5%	57.3%	60.3%	61.6%	65.7%	57.3%	54.7%	58.6%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

S&T BANCORP INC

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