S&T Bancorp (NASDAQ:STBA) Releases Earnings Results, Meets Expectations

S&T Bancorp (NASDAQ:STBA) issued its quarterly earnings results on Thursday. The financial services provider reported $0.89 earnings per share for the quarter, hitting analysts’ consensus estimates of $0.89, Zacks reports. The business had revenue of $105.29 million for the quarter, compared to analyst estimates of $103.46 million. S&T Bancorp had a return on equity of 9.32% and a net margin of 23.72%.

Here are the key takeaways from S&T Bancorp’s conference call:

• Full-year 2025 delivered strong results with ~<$strong>$135 million net income (~$3.49 per share), a 3.9% NIM, >4% loan growth and tightly managed expenses and capital.
• Q4 produced $34 million in net income ($0.89/sh), a 3.99% NIM (up 6 bps), quarterly loan growth of ~4.5% and deposit growth of ~2.9%, supporting margin and funding.
• Board approved a $100 million share repurchase program and management repurchased ~948k shares for $36.2 million in Q4, citing ample excess capital while remaining open to M&A.
• Asset-quality was mixed — ACL fell to 1.15% after specific reserve releases, but the quarter included $11 million of charge-offs tied to resolved problem credits and NPLs rose modestly to 0.69%.
• 2026 outlook calls for mid-single-digit loan growth (C&I/CRE focus), a mid–high 3.9% stable NIM, roughly 3% expense growth and a target mid‑50s efficiency ratio.

S&T Bancorp Price Performance

NASDAQ:STBA opened at $43.17 on Friday. The firm’s fifty day moving average is $40.27 and its two-hundred day moving average is $38.72. The firm has a market cap of $1.65 billion, a price-to-earnings ratio of 12.44 and a beta of 0.92. The company has a debt-to-equity ratio of 0.07, a quick ratio of 1.00 and a current ratio of 1.00. S&T Bancorp has a one year low of $30.84 and a one year high of $43.90.

S&T Bancorp Increases Dividend

The firm also recently announced a quarterly dividend, which was paid on Friday, November 28th. Investors of record on Thursday, November 13th were given a dividend of $0.36 per share. This is a boost from S&T Bancorp’s previous quarterly dividend of $0.34. This represents a $1.44 dividend on an annualized basis and a yield of 3.3%. The ex-dividend date was Thursday, November 13th. S&T Bancorp’s payout ratio is presently 41.50%.

Insider Buying and Selling at S&T Bancorp

In related news, Director Jeffrey D. Grube acquired 2,500 shares of the firm’s stock in a transaction dated Tuesday, October 28th. The stock was acquired at an average price of $36.55 per share, with a total value of $91,375.00. Following the acquisition, the director directly owned 44,985 shares in the company, valued at $1,644,201.75. This represents a 5.88% increase in their position. The transaction was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. Insiders own 1.23% of the company’s stock.

Institutional Inflows and Outflows

A number of large investors have recently bought and sold shares of the stock. Mariner LLC increased its holdings in shares of S&T Bancorp by 4.8% during the 3rd quarter. Mariner LLC now owns 17,922 shares of the financial services provider’s stock valued at $674,000 after purchasing an additional 825 shares in the last quarter. Amundi grew its position in S&T Bancorp by 13.3% during the third quarter. Amundi now owns 7,139 shares of the financial services provider’s stock valued at $269,000 after buying an additional 839 shares during the period. EverSource Wealth Advisors LLC increased its holdings in S&T Bancorp by 5,223.5% in the second quarter. EverSource Wealth Advisors LLC now owns 905 shares of the financial services provider’s stock valued at $34,000 after buying an additional 888 shares in the last quarter. Swiss National Bank raised its position in shares of S&T Bancorp by 1.4% in the third quarter. Swiss National Bank now owns 74,300 shares of the financial services provider’s stock worth $2,793,000 after acquiring an additional 1,000 shares during the period. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. boosted its stake in shares of S&T Bancorp by 5.0% during the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 22,756 shares of the financial services provider’s stock worth $843,000 after acquiring an additional 1,086 shares in the last quarter. 65.22% of the stock is owned by institutional investors and hedge funds.

Analysts Set New Price Targets

Several analysts have weighed in on the stock. Piper Sandler dropped their target price on shares of S&T Bancorp from $42.00 to $40.00 and set a “neutral” rating on the stock in a research report on Monday, October 27th. Keefe, Bruyette & Woods boosted their price objective on shares of S&T Bancorp from $41.00 to $42.00 and gave the company a “market perform” rating in a report on Friday, October 24th. Finally, Weiss Ratings reaffirmed a “buy (b-)” rating on shares of S&T Bancorp in a research report on Monday, December 29th. One research analyst has rated the stock with a Buy rating and three have assigned a Hold rating to the company’s stock. Based on data from MarketBeat.com, the company currently has an average rating of “Hold” and an average price target of $41.00.

More S&T Bancorp News

Here are the key news stories impacting S&T Bancorp this week:

• Positive Sentiment: Board approves $100 million buyback (up to ~6.2% of shares) — large repurchase signals management believes shares are undervalued and directly supports EPS/share over time. S&T Bancorp Announces $100 Million Share Repurchase Program
• Positive Sentiment: Q4 results: net income $34.0M, revenue $105.29M (slightly above consensus $103.46M) and EPS $0.89 — the revenue beat plus solid margins supports the view of stable earnings power. S&T Bancorp Q4 & Full‑Year 2025 Results
• Positive Sentiment: Earnings call emphasized profitability and a “credit cleanup” — management narrative that credit issues are being resolved can relieve investor concern about loan losses going forward. Earnings Call Highlights: Profit, Credit Cleanup
• Neutral Sentiment: EPS of $0.89 met consensus (no upside surprise); year‑over‑year EPS rose modestly from $0.86 — meets expectations but offers limited catalyst beyond the buyback. STBA Meets Q4 Estimates
• Neutral Sentiment: Key metrics: ROE ~9.3% and net margin ~23.7% — respectable profitability but not aggressive growth; analysts expect ~3.05 EPS for the year. Earnings Call Transcript

S&T Bancorp declared that its board has initiated a share repurchase plan on Thursday, January 22nd that allows the company to buyback $100.00 million in shares. This buyback authorization allows the financial services provider to repurchase up to 6.2% of its stock through open market purchases. Stock buyback plans are typically a sign that the company’s board of directors believes its stock is undervalued.

About S&T Bancorp

S&T Bancorp, Inc is a bank holding company headquartered in Indiana, Pennsylvania, serving as the parent of S&T Bank. Established as a banking organization in 1902 with the holding company formation following in the early 1980s, S&T Bancorp has built its reputation on delivering community-oriented financial services. The company operates under the NASDAQ ticker STBA, maintaining a focus on personalized banking solutions and local decision-making.

The company’s main business activities encompass a full suite of retail and commercial banking products.