S&T Bancorp (STBA) Financial Statements & Analysis

S&T Bancorp (STBA) Income Statement

S&T Bancorp reported revenue of $402.12M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 28.8% from $564.96M a year earlier. Net income was $134.23M, up 2.3% year over year, a net margin of 33.4%. Gross margin was 98.2% and operating margin 41.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $104.13M, up 6.1% from the same quarter a year earlier.

S&T Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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S&T Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	402.12	564.96	535.52	399.01	340.81	380.21	373.04	337.13	316.10
Cost of Revenue	173.82	181.20	146.38	33.33	29.36	172.50	88.57	70.38	48.79
Gross Profit	394.70	383.76	389.14	365.68	324.59	207.71	284.48	266.75	267.31
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	137.79	132.54	122.07	111.68	108.99	101.20	89.38	85.70	93.91
Operating Expenses	226.76	218.94	210.33	196.75	188.93	186.67	167.12	143.57	147.91
Operating Income	167.94	164.82	178.80	168.93	135.67	21.04	117.36	123.18	119.41
Other Income/Expense
Interest Income	515.31	514.82	475.59	340.19	288.76	319.38	318.66	287.60	258.88
Interest Expense	166.39	181.07	128.49	24.97	13.15	41.08	73.69	55.39	34.91
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	167.94	164.82	178.80	168.93	135.67	21.04	117.36	123.18	119.41
Income Tax Expense	33.71	33.55	34.02	33.41	25.33	0.00	19.13	17.85	46.44
Net Income	134.23	131.27	144.78	135.52	110.34	21.04	98.23	105.33	72.97
Net Income - Continuous Operations	134.23	131.27	144.78	135.52	110.34	21.04	98.23	105.33	72.97
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	175.05	175.68	186.32	177.96	147.15	33.11	129.08	130.48	121.90
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	10.45	10.87	7.52	9.03	11.48	12.07	11.72	7.30	2.50
Earnings Per Share
Basic EPS	4.00	3.00	4.00	3.00	3.00	1.00	2.00	3.00	2.00
Diluted EPS	3.00	3.00	4.00	3.00	3.00	1.00	2.00	3.00	2.00
Basic Shares Outstanding	37.40	38.24	38.23	38.99	39.35	39.07	39.56	34.78	34.73
Diluted Shares Outstanding	38.49	38.52	38.66	39.03	39.35	39.07	39.56	34.98	34.85

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About S&T Bancorp Financial Statements

What was S&T Bancorp's revenue in fiscal 2025?

S&T Bancorp reported revenue of $402.12M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 28.8% from $564.96M a year earlier.

Is S&T Bancorp profitable?

Yes. S&T Bancorp earned net income of $134.23M in fiscal 2025, a net margin of 33.4%. In fiscal 2024 it earned $131.26M.

What is S&T Bancorp's operating margin?

S&T Bancorp's operating income was $167.94M on revenue of $402.12M in fiscal 2025, an operating margin of 41.8%, compared with 29.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition