S&T Bancorp (STBA) Cash Flow: Operating & Free Cash Flow

S&T Bancorp (STBA) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), S&T Bancorp generated $133.62M of operating cash flow and spent $4.77M on capital expenditures. That left free cash flow of $128.85M, down 24.4% from $170.37M a year earlier, or 32.0% of revenue. It returned $90.83M to shareholders through $52.89M in dividends and $37.95M in share buybacks.

S&T Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for S&T Bancorp, Inc. (STBA) - 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
Operating Activities
Net Income	134.23	131.27	144.78	135.52	110.34	21.04	98.23	105.33	72.97
Depreciation & Amortization	7.11	10.87	7.52	9.03	11.48	12.07	11.72	7.30	2.50
Deferred Income Tax	0.18	-0.30	0.60	-2.93	2.38	-4.40	-0.38	3.51	13.83
Stock Based Compensation	5.34	4.62	3.87	3.19	2.43	0.72	2.44	1.89	3.01
Change in Working Capital	-21.92	15.60	-3.45	83.04	49.74	-100.24	10.22	12.12	9.31
Change in Accounts Receivable	-0.23	2.70	-7.09	-10.03	3.56	-2.56	-3.77	-1.64	-2.71
Change in Accounts Payable	-5.29	5.00	17.76	2.90	-2.09	-3.18	-2.22	2.35	1.35
Change in Other Working Capital	-16.41	7.90	-14.12	-0.38	25.64	-94.51	16.21	11.40	10.68
Other Operating Activities	2.34	11.32	18.42	-0.38	25.64	122.37	16.19	-2.14	12.62
Net Cash from Operating Activities	133.62	173.37	171.75	240.53	214.85	51.55	138.42	128.02	114.24
Investing Activities
Capital Expenditures	-4.77	-2.99	-6.22	-3.86	-3.61	-5.42	-5.15	-4.17	-4.69
Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	63.76	4.54	4.40
Purchases of Investments	-148.45	-325.03	-111.97	-401.15	-313.62	-178.39	-129.97	-92.60	-156.84
Sales/Maturities of Investments	180.43	296.01	147.71	191.32	146.82	206.96	152.35	89.83	146.76
Other Investing Activities	-4.28	-86.27	-473.74	12.65	1.61	-182.35	-291.54	-199.57	-202.04
Net Cash from Investing Activities	-314.80	-118.29	-444.22	-398.68	13.24	-159.20	-210.56	-201.96	-212.42
Financing Activities
Debt Repayment	-0.08	-253.38	64.54	-7.69	-11.00	-233.51	-225.94	-46.99	-87.41
Common Stock Repurchased	-37.95	-0.87	-20.61	-8.45	-0.63	-13.15	-19.14	-12.91	-0.69
Dividends Paid	-52.89	-50.97	-49.71	-46.95	-44.33	-43.95	-37.36	-34.54	-28.57
Other Financing Activities	175.71	261.36	301.85	-776.48	576.09	430.10	396.90	206.72	192.52
Net Cash from Financing Activities	99.80	-43.87	296.07	-554.05	464.46	139.49	114.47	112.28	75.85
Summary
Net Change in Cash	-81.38	11.21	23.60	-712.21	692.55	31.84	42.33	38.34	-22.33
Cash at Beginning of Period	244.82	233.61	210.01	922.22	229.67	197.82	155.49	117.15	139.49
Cash at End of Period	163.44	244.82	233.61	210.01	922.22	229.67	197.82	155.49	117.15
Free Cash Flow	128.85	170.37	165.53	236.66	211.24	46.14	133.27	123.85	109.54
Supplemental Disclosures
Interest Paid	-	176.07	111.30	22.07	15.24	-	-	-	-
Income Taxes Paid	-	29.73	36.89	31.18	24.21	-	-	-	-

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 Cash Flow

What is S&T Bancorp's free cash flow?

S&T Bancorp generated free cash flow of $128.85M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $133.62M minus $4.77M of capital expenditures. That was down 24.4% from $170.37M a year earlier. Free cash flow equaled 32.0% of revenue.

How much does S&T Bancorp spend on capital expenditures?

S&T Bancorp spent $4.77M on capital expenditures in fiscal 2025, compared with $2.99M a year earlier. That equals 3.6% of operating cash flow.

Does S&T Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 S&T Bancorp returned $52.89M in dividends and $37.95M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition