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S&T Bancorp STBA Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$105.3MBeat by $1.8M
EPS$0.89In line
Revenue estimate$103.5M
EPS estimate$0.89

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$105.3M+11.6%
Net income$34.0M+2.7%
EPS (diluted)$0.89+3.5%

Balance sheet

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Cash & equivalents$163.4M-33.2%
Total debt$261.5M+5.2%
Total equity$1.5B+6.1%
Total assets$9.9B+2.2%

Cash flow

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Operating cash flow$36.2M-33.8%
CapEx$1.2M+45.5%
Free cash flow$34.9M-35.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.5B+2.9%
Enterprise value$1.6B+9.3%
P/E11.2×+0.1×
P/S3.7×-0.1×

Profitability

See full
Net margin33.4%-0.8pp
FCF margin32%-12.4pp

Returns & leverage

See full
Return on equity9.4%-0.4pp
Debt / equity0.2×0.0×

FAQ

When did S&T Bancorp report Q4 2025 earnings?
S&T Bancorp (STBA) reported Q4 2025 earnings on January 22, 2026 before market open.
What were S&T Bancorp's Q4 2025 revenue and EPS?
S&T Bancorp reported revenue of $105.3M and eps of $0.89 for Q4 2025.
Did S&T Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $103.5M by $1.8M. EPS beat the consensus estimate of $0.89 by $0.00.
How did S&T Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 11.6% from $94.3M a year earlier and eps grew 3.5% from $0.86.
Where can I find S&T Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000719220-26-000004) and the 10-K periodic report (0000719220-26-000030) directly on SEC EDGAR. The filing index links above go to sec.gov.