S&T Bancorp (STBA) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), S&T Bancorp had a P/E ratio of 11.21 (up from 11.14), return on equity of 9.4% (down from 9.9%), debt-to-equity of 0.24 (up from 0.23) and return on assets of 1.4% (up from 1.4%). Its dividend yield was 3.64% with a payout ratio of 39.4%.

S&T Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.21	11.14	8.84	9.87	11.29	46.56
Forward P/E	11.28	12.76	10.42	9.86	12.98	11.96
P/S Ratio	3.81	3.81	3.30	3.66	3.82	4.70
P/B Ratio	1.03	1.06	1.00	1.13	1.03	0.85
Price/Tangible Book	1.38	1.46	1.41	1.65	1.50	1.26
Price/FCF	11.67	8.58	7.69	5.63	5.87	21.16
Price/OCF	11.26	8.44	7.44	5.54	5.77	18.94
PEG Ratio	1.24	1.24	1.24	1.24	1.24	2.65
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.44%	9.86%	11.73%	11.34%	9.35%	1.79%
Return on Assets (ROA)	1.38%	1.37%	1.55%	1.46%	1.20%	0.24%
Leverage & Solvency Ratios
Debt/Equity	0.24	0.23	0.45	0.46	0.16	0.27
Debt/FCF	2.69	1.88	3.50	2.30	0.92	6.66
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	8.93%	8.98%	11.33%	10.17%	8.90%	2.16%
FCF Yield	8.57%	11.66%	13.01%	17.75%	17.03%	4.73%
Dividend Yield	3.64%	3.72%	4.29%	4.14%	4.32%	5.45%
Payout Ratio	39.40%	38.83%	34.33%	34.65%	40.17%	208.88%
Buyback Yield	0.08%	0.34%	0.96%	0.06%	0.05%	-12.67%
Total Return	3.73%	4.06%	5.25%	4.19%	4.37%	-7.22%

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 Ratios

What is S&T Bancorp's P/E ratio?

S&T Bancorp's P/E ratio was 11.21 for fiscal 2025 (period ended Dec 31, 2025). It was 11.14 a year earlier.

What is S&T Bancorp's return on equity?

S&T Bancorp's return on equity (ROE) was 9.4% for fiscal 2025 (period ended Dec 31, 2025). It was 9.9% a year earlier.

What is S&T Bancorp's debt-to-equity ratio?

S&T Bancorp's debt-to-equity ratio was 0.24 for fiscal 2025 (period ended Dec 31, 2025). It was 0.23 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition