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Inferra AI / Company / STBA

S&T Bancorp Inc.

STBA · Financials

Last earnings Oct 22, 2026

Key results

Net incomequarter

$35.0 million

net income of $35.0 million, or $0.91 per diluted share, for the third quarter of 2025 compared to

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

net income of $31.9 million, or $0.83 per diluted share, for the second quarter of 2025 and

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

net income of $32.6 million, or $0.85 per diluted share, for the third quarter of 2024.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Revenuequarter

1.89%

Pre-provision net revenue to average assets (PPNR) (non-GAAP) increased 16 basis points to 1.89% compared to 1.73% for the second quarter of 2025.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Dividendquarter

$385,377

(8) Net Interest Margin (FTE) (non-GAAP) Interest income and dividend income $385,377 $387,993 Less interest expense (126,241) (136,445) Net interest income per consolidated statements of net income 259,136 251,548 Plus taxable equivalent adjustment 1,810 2,045 Net interest income (FTE) (non-GAAP) $260,946 $253,593 Net interest income (FTE) (annualized) $348,884 $338,741 Average interest-earning assets $9,004,647 $8,827,118 Net interest margin - (FTE) (non-GAAP) 3.87 % 3.84 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP).

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

RETURN METRICS EARNINGS net incomequarter

$35.0 million

2 3 Third Quarter Overview RETURN METRICS EARNINGS Net Income $35.0 million EPS $0.91 ROA 1.42% ROE 9.48% ROTE* 12.81% PPNR* 1.89% HIGHLIGHTS Strong earnings and return metrics PPNR* increases 16 basis points to 1.89% Net interest income growth of $2.6 million, or 3.00% NIM (FTE)* expansion of 5 basis points to 3.93% Asset quality metrics remain at acceptable levels and well-managed ACL 1.23% NCO 0.12% ASSET QUALITY NPA 0.62% NIM (FTE)* 3.93% Efficiency Ratio (FTE)* 54.41% BALANCE SHEET Loan growth $46.6 million 2.33% (annualized) Deposit growth $1.0 million 0.05% (annualized) OTHER Dollars in millions *Non-GAAP financial measure.

SEC original ↗S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

EPSquarter

$0.91

2 3 Third Quarter Overview RETURN METRICS EARNINGS Net Income $35.0 million EPS $0.91 ROA 1.42% ROE 9.48% ROTE* 12.81% PPNR* 1.89% HIGHLIGHTS Strong earnings and return metrics PPNR* increases 16 basis points to 1.89% Net interest income growth of $2.6 million, or 3.00% NIM (FTE)* expansion of 5 basis points to 3.93% Asset quality metrics remain at acceptable levels and well-managed ACL 1.23% NCO 0.12% ASSET QUALITY NPA 0.62% NIM (FTE)* 3.93% Efficiency Ratio (FTE)* 54.41% BALANCE SHEET Loan growth $46.6 million 2.33% (annualized) Deposit growth $1.0 million 0.05% (annualized) OTHER Dollars in millions *Non-GAAP financial measure.

SEC original ↗S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Pre-provision Net revenuequarter

1.89 %

Pre-provision Net Revenue (PPNR)/Average Assets (non-GAAP) Income before taxes $43,836 Plus: Provision for credit losses 2,792 Total $46,628 Total (annualized) (non-GAAP) $184,992 Average assets $9,800,079 PPNR/Average Assets (non-GAAP) 1.89 % Pre-provision net revenue to average assets is income before taxes adjusted to exclude provision for credit losses.

SEC original ↗S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

AI analysis

Q3 2025 · reported Oct 23, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Diluted EPS · Q3 2025
$0.91
EX-99 · Oct 23, 2025
Net income · Q3 2025
$35.0M
EX-99 · Oct 23, 2025
Dividend · Q3 2025
$385,377
EX-99 · Oct 23, 2025
RETURN METRICS EARNINGS net income · Q3 2025
$35.0M
EX-99 · Oct 23, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$35.0 million——
Revenue1.89%1.73%—
Dividend$385,377——
RETURN METRICS EARNINGS net income$35.0 million——
EPS$0.91——
Pre-provision Net revenue1.89 %——

EX-99 · Oct 23, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“Forward-looking statements are typically identified by words or phrases such as will likely result, expect, anticipate, estimate, forecast, project, intend, believe, assume, strategy, trend, plan, outlook, outcome, continue, remain, potential, opportunity, comfortable, current, position, maintain, sustain, seek, achieve and variations of such words and similar expressions, or future or conditional verbs such as will, would, should, could or may.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Net income3.87 %
Dividend21 percent

(8) Net Interest Margin (FTE) (non-GAAP) Interest income and dividend income $385,377 $387,993 Less interest expense (126,241) (136,445) Net interest income per consolidated statements of net income 259,136 251,548 Plus taxable equivalent adjustment 1,810 2,045 Net interest income (FTE) (non-GAAP) $260,946 $253,593 Net interest income (FTE) (annualized) $348,884 $338,741 Average interest-earning assets $9,004,647 $8,827,118 Net interest margin - (FTE) (non-GAAP) 3.87 % 3.84 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP).

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Announces Third Quarter 2025 Results

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

(8) Net Interest Margin (FTE) (non-GAAP) Interest income and dividend income $385,377 $387,993 Less interest expense (126,241) (136,445) Net interest income per consolidated statements of net income 259,136 251,548 Plus taxable equivalent adjustment 1,810 2,045 Net interest income (FTE) (non-GAAP) $260,946 $253,593 Net interest income (FTE) (annualized) $348,884 $338,741 Average interest-earning assets $9,004,647 $8,827,118 Net interest margin - (FTE) (non-GAAP) 3.87 % 3.84 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP).

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

The FTE basis (non-GAAP) adjusts for the tax benefit of income on certain tax-exempt loans and securities and the dividend-received deduction for equity securities using the federal statutory tax rate of 21 percent for each period.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

(10) Net Interest Margin (FTE) (non-GAAP) Interest income and dividend income $131,623 $128,906 $131,474 Less interest expense (42,382) (42,334) (46,997) Net interest income per consolidated statements of net income 89,241 86,572 84,477 Plus taxable equivalent adjustment 602 590 671 Net interest income (FTE) (non-GAAP) $89,843 $87,162 $85,148 Net interest income (FTE) (annualized) $356,442 $349,606 $338,741 Average interest-earning assets $9,100,239 $9,012,011 $8,875,757 Net interest margin (FTE) (non-GAAP) 3.93 % 3.88 % 3.82 % The interest income on interest-earning assets, net interest income and net interest margin are presented on an FTE basis (non-GAAP).

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Strategy & priorities

Net interest income growth of $2.6 million, or 3.00%, and net interest margin on a fully taxable equivalent basis (NIM) (FTE) (non-GAAP) expansion of 5 basis points to 3.93% compared to 3.88% in the second quarter of 2025.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Our results reflect improving revenue gains supported by net interest margin expansion.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Forward-looking statements are typically identified by words or phrases such as will likely result, expect, anticipate, estimate, forecast, project, intend, believe, assume, strategy, trend, plan, outlook, outcome, continue, remain, potential, opportunity, comfortable, current, position, maintain, sustain, seek, achieve and variations of such words and similar expressions, or future or conditional verbs such as will, would, should, could or may.

SEC original ↗S&T Bancorp Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

2 3 Third Quarter Overview RETURN METRICS EARNINGS Net Income $35.0 million EPS $0.91 ROA 1.42% ROE 9.48% ROTE* 12.81% PPNR* 1.89% HIGHLIGHTS Strong earnings and return metrics PPNR* increases 16 basis points to 1.89% Net interest income growth of $2.6 million, or 3.00% NIM (FTE)* expansion of 5 basis points to 3.93% Asset quality metrics remain at acceptable levels and well-managed ACL 1.23% NCO 0.12% ASSET QUALITY NPA 0.62% NIM (FTE)* 3.93% Efficiency Ratio (FTE)* 54.41% BALANCE SHEET Loan growth $46.6 million 2.33% (annualized) Deposit growth $1.0 million 0.05% (annualized) OTHER Dollars in millions *Non-GAAP financial measure.

SEC original ↗S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Documents

Earnings deck slides

0 decks with slide view

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

S&T Bancorp Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

31 documents

Earnings releases

7 documents

Presentations

9 documents

Transcripts

0 documents

No transcripts for S&T Bancorp Inc. are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.