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S&T Bancorp STBA Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$103.0MIn line
EPS$0.91Beat by $0.05
Revenue estimate$103.0M
EPS estimate$0.86

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$107.0M
EPS estimate$0.98

Financials

Q3 2025

Income statement

See full
Revenue$103.0M+6.9%
Net income$35.0M+7.3%
EPS (diluted)$0.91+7.1%

Balance sheet

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Cash & equivalents$196.2M-14.0%
Total debt$185.8M-35.7%
Total equity$1.5B+7.2%
Total assets$9.8B+2.4%

Cash flow

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Operating cash flow$40.5M+46.5%
CapEx$604.0K-13.2%
Free cash flow$39.9M+48.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.44B-10.1%
Enterprise value$1.43B-14.0%
P/E10.8×-1.0×
P/S3.7×-0.4×

Profitability

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Net margin34.1%-0.4pp
FCF margin37.8%+0.3pp

Returns & leverage

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Return on equity9.4%-1.1pp
Debt / equity0.1×-0.1×

FAQ

When did S&T Bancorp report Q3 2025 earnings?
S&T Bancorp (STBA) reported Q3 2025 earnings on October 23, 2025 before market open.
What were S&T Bancorp's Q3 2025 revenue and EPS?
S&T Bancorp reported revenue of $103.0M and eps of $0.91 for Q3 2025.
Did S&T Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $103.0M by $29.6K. EPS beat the consensus estimate of $0.86 by $0.05.
How did S&T Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.9% from $96.4M a year earlier and eps grew 7.1% from $0.85.
Where can I find S&T Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000719220-25-000070) and the 10-Q periodic report (0000719220-25-000091) directly on SEC EDGAR. The filing index links above go to sec.gov.