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Earnings transcript
Read the complete earnings call transcript.
STBA
S&T Bancorp, Inc.
$42.51
0.23
(0.54%)
| Exchange: | NASDAQ |
| Market Cap: | 1.558B |
| Shares Outstanding: | 22.506M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Christopher J. McComish | |||||
| Full Time Employees: | 1206 | |||||
| Address: |
| |||||
| Website: | https://www.stbancorp.com |
S&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.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 535,521 | 564,955 | 568,513 |
| Gross Profit | 389,138 | 383,756 | 394,697 |
| EBITDA | 186,324 | 175,683 | 175,047 |
| Operating Income | 178,804 | 164,818 | 167,940 |
| Net Income | 144,781 | 131,265 | 134,230 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 9,551,526 | 9,657,972 | 9,870,980 |
| Total Liabilities | 8,268,081 | 8,277,678 | 8,407,102.999 |
| Total Stockholders Equity | 1,283,445 | 1,380,294 | 1,463,877 |
| Total Debt | 503,635 | 250,314 | 265,293 |
| Cash and Cash Equivalents | 233,612 | 244,820 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 171,749 | 173,367 | 133,616 |
| Capital Expenditure | -6,219 | -2,994 | 0 |
| Free Cash Flow | 165,530 | 170,373 | 133,616 |
| Net Income | 144,781 | 131,265 | 134,230 |
| Net Change in Cash | 23,603 | 11,208 | -81,384 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 444,312.021 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 445,415.278 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 444,863.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 162,486.656 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 162,890.121 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 162,688.388 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 144,887.413 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 148,364.736 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 146,626.075 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 117,932.909 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 118,225.745 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 118,079.327 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 3.800 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 3.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 3.760 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: S&T Bancorp reported strong financial results in the third quarter of 2025, as highlighted in the earnings call transcript. Key metrics such as revenue, net income, and earnings per share (EPS) reflect solid growth, positioning the company favorably within the banking sector.
- Healthy Balance Sheet Metrics: Analysis of balance sheet data indicates strong liquidity with significant cash and cash equivalents, alongside a manageable debt-to-equity ratio (TTM). This financial stability supports operational resilience and potential for future investments.
- Positive Free Cash Flow: Cash flow statements reveal consistent free cash flow generation (TTM), bolstered by net cash provided by operating activities. This provides flexibility for dividend payments, debt reduction, or reinvestment into growth initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates STBA intrinsic value between $54.36 – $65.01 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about STBA valuation
Is S&T Bancorp, Inc. (STBA) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for S&T Bancorp, Inc. (STBA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is STBA a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether STBA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is STBA’s P/E ratio?
You can see STBA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for STBA?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is STBA a good long-term investment?
Whether STBA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
STBA
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.54
Trading Metrics:
| Open: | 41.72 | Previous Close: | 42.28 | |
| Day Low: | 41.61 | Day High: | 42.52 | |
| Year Low: | 30.84 | Year High: | 44.91 | |
| Price Avg 50: | 42.22 | Price Avg 200: | 39.48 | |
| Volume: | 140793 | Average Volume: | 259293 |
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Login — it's freeSTBA full analysis
Welcome to MARKETSNAP’s SWOT analysis for S&T Bancorp, also known by its ticker STBA. If you’re not familiar with this name, let me give you a quick rundown. S&T Bancorp is a regional financial institution based in the U.S., operating primarily in the banking sector with a focus on commercial and retail banking services. They’re part of the broader financial services industry, serving communities through a network of branches and digital platforms. With a solid market cap and a team…
