At a glance
S&T Bancorp Inc is worth $1.78B, about 15 times its fiscal 2025 earnings. Revenue grew 4.7% to $402.1M in fiscal 2025, with 33.4% kept as profit; over 5 years it has grown 3.5% a year. It pays a 2.89% dividend yield, raised every year for at least 9 years, and returned $308.6M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned +40.9% over the past year with dividends reinvested and +14.8% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 35.4% in the 2020 crash (S&P 500: 33.7%) and 18.7% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 31 months and 3 months after the lows.
The business in plain English
S&T Bancorp is the holding company for S&T Bank, a Pennsylvania-chartered bank headquartered in Indiana, Pennsylvania. The bank runs 72 branches in Pennsylvania and Ohio and serves consumers, small businesses and commercial clients. As of December 31, 2025, the company had about $9.9 billion in assets, $8.1 billion in loans, $8.0 billion in deposits and $1.5 billion in shareholders' equity.
Most of S&T's money comes from net interest income. This is the gap between the interest it earns on loans and investments and the interest it pays on deposits and borrowings. In fiscal 2025, net interest income brought in $350.1 million of the company's $402.1 million in revenue. A significant share of its loans goes to businesses, including commercial real estate. Most of its lending is in its home market.
The remaining $52.0 million was noninterest income, which is money earned from services rather than from interest. Fee-earning services include brokerage, trust work such as serving as executor or trustee under wills, and managing private investment accounts. Wealth management assets under administration were $2.1 billion at December 31, 2025. That money belongs to clients and is not counted as S&T's own assets. The annual report does not give a clear revenue split by business line or region.
Price history
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STBA +40.9% over the year to Oct 28, 2026, total return with dividends reinvested.
Latest results
- In Q2 FY2026 (ended Jun 30, 2026), revenue was $105.2M, up 5.2% from a year earlier, and net income was $36.6M (+14.9%).
- For fiscal 2025, revenue was $402.1M (+4.7% year over year; +3.5% a year from FY2020 to FY2025) with a 33.4% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +3.5% watch |
|---|---|
| Return on equity | 9.2% watch |
| Net income / revenue | 33.4% good |
| Deposits | $8.09B |
| Loans | $7.97B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $339.1M | $21.0M | — |
| FY2021 | $340.8M | $110.3M | — |
| FY2022 | $374.0M | $135.5M | — |
| FY2023 | $407.0M | $144.8M | — |
| FY2024 | $383.9M | $131.3M | — |
| FY2025 | $402.1M | $134.2M | — |
Valuation snapshot
| Market value | $1.78B |
|---|---|
| P/E ratio | 14.5 |
| Dividend yield | 2.89% |
Rank among 1514 US companies
Market value at each year end
S&T Bancorp’s market value went from $1.36B at the end of 2016 to $1.78B on Oct 28, 2026, up 31%; since the end of 2025 it is up 18%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $1.78B | +18.4% |
| 2025 | $1.50B | +2.9% |
| 2024 | $1.46B | +14.4% |
| 2023 | $1.28B | -4.2% |
| 2022 | $1.33B | +7.5% |
| 2021 | $1.24B | +27.0% |
| 2020 | $976.5M | -29.2% |
| 2019 | $1.38B | +4.2% |
| 2018 | $1.32B | -4.9% |
| 2017 | $1.39B | +2.2% |
| 2016 | $1.36B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| STBA price data to Oct 28, 2026 | +31.4% | +40.9% | +30.2% | +14.8% | +8.8% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | +31.4% |
| 2025 | +6.7% |
| 2024 | +18.7% |
| 2023 | +2.1% |
| 2022 | +12.6% |
| 2021 | +31.7% |
| 2020 | -35.4% |
| 2019 | +9.5% |
| 2018 | -2.7% |
| 2017 | +4.2% |
| 2016 | +30.4% |
| 2015 | +6.0% |
| 2014 | +21.1% |
| 2013 | +44.1% |
| 2012 | -4.5% |
| 2011 | -10.8% |
| 2010 | +36.8% |
| 2009 | -49.7% |
| 2008 | +33.4% |
| 2007 | -17.2% |
| 2006 | -2.6% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Lost 42.6% over that stretch · deepest drop along the way 53.3%, back to its old high 76.5 months after the low |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 35% over that stretch · deepest drop along the way 35.4%, back to its old high 30.9 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 2.8% over that stretch · deepest drop along the way 18.7%, back to its old high 3.2 months after the low |
Insider activity
Form 4 filings from 2025-10-29 to 2026-10-29 (25 read): 0 open-market purchases and 27 sales ($887K).
| Date | Insider | Type | Value |
|---|---|---|---|
| Aug 11, 2026 | William J Hieb Director | sell | $98K |
| Aug 11, 2026 | William J Hieb Director | sell | $94K |
| Aug 11, 2026 | William J Hieb Director | sell | $81K |
| Aug 12, 2026 | William J Hieb Director | sell | $71K |
| Aug 12, 2026 | William J Hieb Director | sell | $67K |
Who owns it
Large shareholders (13G filings)
| Vanguard Portfolio Management | 6.72% | Mar 31, 2026 |
| Vanguard Capital Management | 5.31% | Mar 31, 2026 |
| STATE STREET CORPORATION | 5.2% | Jun 30, 2026 |
ETFs with the most weight in STBA
| GRPZ Invesco S&P SmallCap 600 GARP ETF | 1.32% |
| OASC OneAscent Small Cap Core ETF | 0.86% |
| SVAL iShares US Small Cap Value Factor ETF | 0.55% |
| PSCF Invesco S&P SmallCap Financials ETF | 0.42% |
| BSVO EA Bridgeway Omni Small-Cap Value ETF | 0.4% |
| FYT First Trust Small Cap Value AlphaDEX Fund | 0.39% |
| ROSC Hartford Multifactor Small Cap ETF | 0.35% |
| KRE SPDR S&P Regional Banking ETF | 0.23% |
What could go wrong
- Loans concentrated in one regional economy. S&T lends mainly within its Pennsylvania and Ohio market area. A regional slump from recession, inflation or job losses could hurt loan repayment, collateral values and demand for its services all at once.
- Heavy exposure to commercial loans. A significant share of loans goes to businesses and commercial real estate. Repayment depends on borrowers' cash flow. If property or business values fall, the collateral may not cover what is owed, forcing larger write-offs.
- Crossing $10 billion in assets adds regulation. S&T had about $9.9 billion in assets as of June 30, 2026. Crossing $10 billion would bring different and additional rules. The company warns that growth may bring tougher regulatory expectations and higher compliance costs.
- Depends on keeping its core deposits. Stable deposits are S&T's main source of funding. If a crisis drove deposits away, it would depend on access to backup funding such as the Federal Home Loan Bank of Pittsburgh and the Federal Reserve.
- Interest rate shifts can squeeze lending profits. Net interest income supplied $350.1 million of fiscal 2025's $402.1 million revenue. Federal Reserve rate moves that S&T fails to anticipate could shrink the gap between what loans earn and what deposits cost.
- Credit loss reserves rely on judgment. S&T sets aside an allowance for credit losses (ACL) based on economic forecasts and management judgment. If losses run higher than expected, bigger charges against earnings could significantly reduce profits.
Recent events
- Other company announcement
- Quarterly results released; Investor presentation or announcement
- Other company announcement
- Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement; Other company announcement
- Bylaws or fiscal year changed
- Shareholder vote results; Other company announcement
- Investor presentation or announcement
- Other company announcement
- Quarterly results released; Investor presentation or announcement
For income and retirement investors
S&T has raised its dividend for at least 9 straight years, possibly longer. Dividends per share rose from $1.12 in fiscal 2020 to $1.38 in fiscal 2025, about 4.3% a year. The dividend still rose in fiscal 2020, when diluted earnings fell to $0.53 per share, less than half the dividend. The fiscal 2025 dividend used 39.4% of earnings, and the yield was 2.89% as of October 28, 2026. From fiscal 2021 through 2025, S&T paid $244.8 million in dividends and spent $63.7 million on buybacks. The share count fell 10.4% between October 2021 and August 2026.
Downturns have hit the shares hard. They fell 53.3% in the 2008 financial crisis and took about 76 months to recover. They fell 35.4% in the 2020 COVID crash and took about 31 months to recover. The 18.7% drop in the 2022 bear market was erased in about 3 months. Single stocks carry more risk than diversified funds.
Questions investors ask
How does S&T Bancorp make money?
Mostly by lending. In fiscal 2025, which ended December 31, 2025, S&T earned $350.1 million in net interest income. That is the gap between the interest it collects on loans and investments and the interest it pays on deposits and borrowings. It made up most of the company's $402.1 million in total revenue. The other $52.0 million was noninterest income, meaning money from sources other than interest. S&T Bank has 72 branches in Pennsylvania and Ohio. The company also offers brokerage, trust and wealth management services.
Does S&T Bancorp raise its dividend every year?
Yes, so far. SEC filings covering fiscal 2016 through 2025 show at least 9 annual increases in a row, and the real streak may be longer. Regular dividends rose from $1.12 per share in fiscal 2020 to $1.38 in fiscal 2025, about 4.3% a year. The company paid out 39.4% of its fiscal 2025 earnings as dividends. The yield (yearly dividends divided by share price) was 2.89% as of October 28, 2026. Raises aren't guaranteed. The annual report warns that the company's ability to pay dividends may be limited.
What is S&T Bancorp's P/E ratio?
It was 14.5 as of October 28, 2026, based on fiscal 2025 earnings of $3.49 per share. The company's total market value was about $1.78 billion on that date. The price-to-earnings (P/E) ratio divides the share price by a year's earnings per share, so a lower number means paying less for each dollar of profit. Earnings per share barely changed from $3.46 in fiscal 2022. Return on equity was 9.2% for fiscal 2025. That measure is yearly profit divided by the shareholders' stake in the bank.
How did S&T Bancorp stock do in past market crashes?
It fell sharply and sometimes took years to recover. In the 2008 financial crisis, the stock dropped 53.3% from its September 18, 2008 peak to its March 6, 2009 low. It did not get back to that peak until July 21, 2015. In the 2020 COVID crash it fell 35.4% and recovered by October 21, 2022. In the 2022 bear market it lost 18.7% and recovered by October 20, 2022. Its worst decline over 21.3 years of price history was 71.7%.
What are the biggest risks of owning S&T Bancorp stock?
Its annual report highlights lending, geography and interest rates. Its loans are concentrated in its own market area of Pennsylvania and Ohio, so a regional downturn could hurt borrowers and collateral values at the same time. The report also flags a large share of commercial loans, which carry a higher risk of loss. It warns that rate changes could cut net interest income, its main source of revenue. S&T had about $9.9 billion in assets at December 31, 2025, just under the $10 billion mark that brings additional regulation.