S&T Bancorp Inc - Understand $stba stock

$STBA Market Cap: $1.646 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$388.0M

TTM

Gross Margin

Net Earnings

$135.2M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$9.584B

Q3 2024

Total Liabilities

$8.208B

Q3 2024

Book Value

$1.376B

Q3 2024

Cash

$228.1M

Q3 2024

P/E

12.17

Nov 29, 2024 EST

Free Cash Flow

$154.8M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$477.9M	$340.8M	$289.3M	$320.5M	$320.5M	$289.8M	$260.6M	$227.8M	$203.5M	$160.5M	$153.8M	$156.3M	$165.1M	$180.4M
YoY Change	40.25%	17.8%	-9.74%	-0.01%	10.58%	11.2%	14.43%	11.9%	26.8%	4.4%	-1.6%	-5.35%	-8.5%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$477.9M	$340.8M	$289.3M	$320.5M	$320.5M	$289.8M	$260.6M	$227.8M	$203.5M	$160.5M	$153.8M	$156.3M	$165.1M	$180.4M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development						$12.20M	$10.40M	$10.40M	$11.70M	$9.800M	$9.500M	$10.30M	$7.400M	$6.800M
YoY Change						17.31%	0.0%	-11.11%	19.39%	3.16%	-7.77%	39.19%	8.82%
% of Gross Profit
Depreciation & Amortization	$6.500M	$6.400M	$6.600M	$6.700M	$5.400M	$5.000M	$5.100M	$5.000M	$4.700M	$3.465M	$3.507M	$3.912M	$4.254M	$4.259M	$7.000M	$5.000M	$3.800M	$3.200M	$3.100M	$2.800M	$2.800M	$2.600M	$2.900M	$2.400M	$2.200M	$2.200M	$2.200M	$2.400M	$2.000M	$2.000M	$1.800M	$1.800M	$1.100M	$1.200M	$1.400M	$1.800M
YoY Change	1.56%	-3.03%	-1.49%	24.07%	8.0%	-1.96%	2.0%	6.38%	35.64%	-1.2%	-10.35%	-8.04%	-0.12%	-39.16%	40.0%	31.58%	18.75%	3.23%	10.71%	0.0%	7.69%	-10.34%	20.83%	9.09%	0.0%	0.0%	-8.33%	20.0%	0.0%	11.11%	0.0%	63.64%	-8.33%	-14.29%	-22.22%
% of Gross Profit
Operating Expenses						$12.20M	$10.40M	$10.40M	$11.70M	$9.800M	$9.500M	$10.30M	$7.400M	$6.800M
YoY Change						17.31%	0.0%	-11.11%	19.39%	3.16%	-7.77%	39.19%	8.82%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$128.5M	$24.97M	$13.15M	$41.08M	$73.69M	$55.39M	$34.91M	$24.52M	$16.00M	$12.48M	$14.56M	$21.02M	$27.73M	$34.57M
YoY Change	414.62%	89.87%	-67.99%	-44.26%	33.05%	58.66%	42.4%	53.25%	28.17%	-14.3%	-30.73%	-24.19%	-19.78%
% of Operating Profit
Other Income/Expense, Net										$11.22M	$10.66M	$12.82M	$12.13M
YoY Change										5.28%	-16.81%	5.66%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$178.8M	$168.9M	$135.7M	$21.04M	$117.4M	$123.2M	$119.4M	$96.70M	$91.48M	$75.43M	$65.02M	$41.46M	$61.89M	$57.91M	$4.100M	$84.70M	$77.80M	$74.80M	$82.50M	$77.40M	$72.60M	$68.00M	$66.30M	$62.50M	$59.40M	$54.20M	$47.10M	$38.30M	$34.00M	$31.20M	$29.00M	$19.20M	$14.60M	$12.30M	$10.60M	$12.50M	$10.90M	$10.40M	$10.80M	$7.200M	$4.000M
YoY Change	5.85%	24.52%	544.84%	-82.07%	-4.72%	3.16%	23.48%	5.7%	21.28%	16.01%	56.81%	-33.0%	6.86%	1312.49%	-95.16%	8.87%	4.01%	-9.33%	6.59%	6.61%	6.76%	2.56%	6.08%	5.22%	9.59%	15.07%	22.98%	12.65%	8.97%	7.59%	51.04%	31.51%	18.7%	16.04%	-15.2%	14.68%	4.81%	-3.7%	50.0%	80.0%
Income Tax	$34.02M	$33.41M	$25.33M	-$1.000K	$19.13M	$17.85M	$46.44M	$25.31M	$24.40M	$17.52M	$14.48M	$7.261M	$14.62M	$14.43M	-$3.900M	$24.50M	$21.60M	$21.50M	$24.30M	$23.00M	$20.90M	$19.40M	$19.00M	$17.60M	$18.00M	$16.20M	$13.60M	$10.00M	$9.200M	$8.300M	$7.600M	$4.900M	$3.400M	$1.900M	$1.100M	$2.200M	$1.800M	$1.700M	$1.900M	$1.000M	$100.0K
% Of Pretax Income	19.03%	19.78%	18.67%	0.0%	16.3%	14.49%	38.89%	26.17%	26.67%	23.22%	22.27%	17.51%	23.63%	24.92%	-95.12%	28.93%	27.76%	28.74%	29.45%	29.72%	28.79%	28.53%	28.66%	28.16%	30.3%	29.89%	28.87%	26.11%	27.06%	26.6%	26.21%	25.52%	23.29%	15.45%	10.38%	17.6%	16.51%	16.35%	17.59%	13.89%	2.5%
Net Earnings	$144.8M	$135.5M	$110.3M	$21.04M	$98.23M	$105.3M	$72.97M	$71.39M	$67.08M	$57.91M	$50.54M	$34.20M	$47.26M	$43.48M	$8.000M	$60.20M	$56.10M	$53.30M	$58.20M	$54.40M	$51.80M	$48.60M	$47.30M	$45.00M	$41.40M	$38.00M	$33.40M	$28.20M	$24.80M	$23.00M	$21.40M	$14.30M	$11.20M	$10.40M	$9.500M	$10.30M	$9.100M	$8.700M	$8.900M	$6.200M	$3.900M
YoY Change	6.83%	22.82%	424.44%	-78.58%	-6.74%	44.36%	2.21%	6.43%	15.84%	14.58%	47.77%	-27.64%	8.7%	443.5%	-86.71%	7.31%	5.25%	-8.42%	6.99%	5.02%	6.58%	2.75%	5.11%	8.7%	8.95%	13.77%	18.44%	13.71%	7.83%	7.48%	49.65%	27.68%	7.69%	9.47%	-7.77%	13.19%	4.6%	-2.25%	43.55%	58.97%
Net Earnings / Revenue	30.3%	39.77%	38.15%	6.57%	30.65%	36.34%	28.0%	31.34%	32.96%	36.08%	32.87%	21.89%	28.63%	24.1%
Basic Earnings Per Share	$3.76	$3.47	$2.81	$0.54	$2.84	$3.03	$2.10	$2.06	$1.98	$1.95	$1.70	$1.18	$1.41	$1.34
Diluted Earnings Per Share	$3.74	$3.46	$2.81	$0.53	$2.82	$3.01	$2.09	$2.05	$1.98	$1.95	$1.70	$1.18	$1.41	$1.34	$288.8K	$2.280M	$2.253M	$2.058M	$2.180M	$2.030M	$1.940M	$1.813M	$1.745M	$1.661M	$1.511M	$1.352M	$1.168M	$993.0K	$867.1K	$795.8K	$745.6K	$638.4K	$500.0K	$460.2K	$420.4K	$442.1K	$387.2K	$370.2K	$378.7K	$263.8K	$220.3K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$91.11M	$92.37M	$96.70M	$101.9M	$104.6M	$41.70M	$42.70M	$45.00M	$49.10M	$38.20M	$36.60M	$38.70M	$37.80M	$40.00M	$41.00M	$45.30M	$37.60M	$35.70M	$29.10M	$25.50M	$23.00M	$23.20M	$21.40M	$20.40M	$20.70M	$20.90M	$20.60M	$20.00M	$14.80M	$14.70M	$14.50M	$12.30M	$11.10M	$9.800M	$9.700M	$9.100M	$9.100M	$8.700M	$6.800M	$5.700M	$5.100M
YoY Change	-1.37%	-4.47%	-5.1%	-2.58%	150.84%	-2.34%	-5.11%	-8.35%	28.53%	4.37%	-5.43%	2.38%	-5.5%	-2.44%	-9.49%	20.48%	5.32%	22.68%	14.12%	10.87%	-0.86%	8.41%	4.9%	-1.45%	-0.96%	1.46%	3.0%	35.14%	0.68%	1.38%	17.89%	10.81%	13.27%	1.03%	6.59%	0.0%	4.6%	27.94%	19.3%	11.76%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$45.27M	$51.61M	$20.20M	$18.20M	$13.20M	$17.20M	$20.60M	$32.80M	$34.70M	$28.70M	$29.80M
YoY Change	-12.28%	155.49%	10.99%	37.88%	-23.26%	-16.5%	-37.2%	-5.48%	20.91%	-3.69%
Total Long-Term Assets
YoY Change
Total Assets	$9.552B	$9.111B	$9.489B	$8.968B	$8.765B	$7.252B	$7.060B	$6.943B	$6.318B	$4.965B	$4.533B	$4.527B	$4.120B	$4.114B	$4.171B	$4.438B	$3.408B	$3.339B	$3.195B	$2.989B	$2.900B	$2.824B	$2.358B	$2.310B	$2.194B	$2.070B	$1.920B	$1.787B	$1.401B	$1.305B	$1.194B	$1.107B	$1.060B	$822.7M	$811.4M	$753.3M	$702.7M	$680.4M	$498.5M	$383.1M	$361.8M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt			$84.50M	$65.20M	$19.90M	$18.40M	$50.20M	$50.80M	$62.10M	$30.60M	$33.80M	$62.60M	$30.40M	$40.70M	$44.90M	$113.4M	$100.3M	$133.0M	$137.8M	$98.40M	$182.0M	$319.4M	$152.3M	$80.70M	$116.0M	$138.8M	$179.6M	$115.2M	$123.5M	$189.9M	$150.7M	$86.20M	$41.60M	$38.00M	$16.90M	$7.800M	$9.000M	$7.900M	$3.100M	$2.200M	$1.000M
YoY Change			29.6%	227.64%	8.15%	-63.35%	-1.18%	-18.2%	102.94%	-9.47%	-46.01%	105.92%	-25.31%	-9.35%	-60.41%	13.06%	-24.59%	-3.48%	40.04%	-45.93%	-43.02%	109.72%	88.72%	-30.43%	-16.43%	-22.72%	55.9%	-6.72%	-34.97%	26.01%	74.83%	107.21%	9.47%	124.85%	116.67%	-13.33%	13.92%	154.84%	40.91%	120.0%
Long-Term Debt Due	$38.38M	$464.0K	$7.700M	$1.300M	$27.10M	$37.50M
YoY Change	8171.77%	-93.97%	492.31%	-95.2%	-27.73%
Total Short-Term Liabilities	$38.38M	$464.0K	$7.700M	$1.300M	$27.10M	$37.50M	$50.20M	$50.80M	$62.10M	$30.60M	$33.80M	$62.60M	$30.40M	$40.70M	$44.90M	$113.4M	$100.3M	$133.0M	$137.8M	$98.40M	$182.0M	$319.4M	$152.3M	$80.70M	$116.0M	$138.8M	$179.6M	$115.2M	$123.5M	$189.9M	$150.7M	$86.20M	$41.60M	$38.00M	$16.90M	$7.800M	$9.000M	$7.900M	$3.100M	$2.200M	$1.000M
YoY Change	8171.77%	-93.97%	492.31%	-95.2%	-27.73%	-25.3%	-1.18%	-18.2%	102.94%	-9.47%	-46.01%	105.92%	-25.31%	-9.35%	-60.41%	13.06%	-24.59%	-3.48%	40.04%	-45.93%	-43.02%	109.72%	88.72%	-30.43%	-16.43%	-22.72%	55.9%	-6.72%	-34.97%	26.01%	74.83%	107.21%	9.47%	124.85%	116.67%	-13.33%	13.92%	154.84%	40.91%	120.0%
Long-Term Debt	$50.25M	$68.73M	$69.10M	$86.50M	$88.10M	$78.40M	$92.90M	$60.30M	$162.7M	$65.10M	$67.40M	$124.7M	$122.5M	$120.0M	$176.5M	$271.0M	$226.0M	$196.9M	$83.80M	$86.30M	$116.9M	$211.7M	$251.2M	$378.0M	$364.1M	$240.1M	$144.2M	$136.6M	$96.60M	$43.40M	$15.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-26.88%	-0.54%	-20.12%	-1.82%	12.37%	-15.61%	54.06%	-62.94%	149.92%	-3.41%	-45.95%	1.8%	2.08%	-32.01%	-34.87%	19.91%	14.78%	134.96%	-2.9%	-26.18%	-44.78%	-15.72%	-33.54%	3.82%	51.65%	66.5%	5.56%	41.41%	122.58%	189.33%
Other Long-Term Liabilities	$242.7M	$266.7M	$124.2M	$164.7M	$119.7M	$38.20M	$65.30M	$57.60M	$68.80M	$61.80M	$48.30M	$88.60M	$65.70M	$57.50M	$39.90M	$68.40M	$42.00M	$49.20M	$52.10M	$53.90M	$56.30M	$60.60M	$49.70M	$49.20M	$39.20M	$51.00M	$51.70M	$38.70M	$34.10M	$26.70M	$9.000M	$12.00M	$10.40M	$8.400M	$9.200M	$7.400M	$6.400M	$6.100M	$4.700M	$4.100M	$3.900M
YoY Change	-9.02%	114.77%	-24.59%	37.59%	213.35%	-41.5%	13.37%	-16.28%	11.33%	27.95%	-45.49%	34.86%	14.26%	44.11%	-41.67%	62.86%	-14.63%	-5.57%	-3.34%	-4.26%	-7.1%	21.93%	1.02%	25.51%	-23.14%	-1.35%	33.59%	13.49%	27.72%	196.67%	-25.0%	15.38%	23.81%	-8.7%	24.32%	15.63%	4.92%	29.79%	14.63%	5.13%
Total Long-Term Liabilities	$292.9M	$335.5M	$193.3M	$251.2M	$207.8M	$116.6M	$158.2M	$117.9M	$231.5M	$126.9M	$115.7M	$213.3M	$188.2M	$177.5M	$216.4M	$339.4M	$268.0M	$246.1M	$135.9M	$140.2M	$173.2M	$272.3M	$300.9M	$427.2M	$403.3M	$291.1M	$195.9M	$175.3M	$130.7M	$70.10M	$24.00M	$12.00M	$10.40M	$8.400M	$9.200M	$7.400M	$6.400M	$6.100M	$4.700M	$4.100M	$3.900M
YoY Change	-12.68%	73.55%	-23.05%	20.89%	78.22%	-26.3%	34.18%	-49.07%	82.43%	9.68%	-45.76%	13.34%	6.03%	-17.98%	-36.24%	26.64%	8.9%	81.09%	-3.07%	-19.05%	-36.39%	-9.5%	-29.56%	5.93%	38.54%	48.6%	11.75%	34.12%	86.45%	192.08%	100.0%	15.38%	23.81%	-8.7%	24.32%	15.63%	4.92%	29.79%	14.63%	5.13%
Total Liabilities	$8.268B	$7.926B	$8.282B	$7.813B	$7.573B	$6.317B	$6.176B	$6.101B	$5.526B	$4.356B	$3.962B	$3.989B	$3.630B	$3.536B	$3.617B	$3.990B	$3.070B	$3.000B	$2.843B	$2.640B	$2.568B	$2.518B	$2.065B	$2.033B	$1.954B	$1.810B	$1.660B	$1.561B	$1.234B	$1.163B	$1.073B	$997.8M	$961.8M	$731.4M	$726.9M	$675.9M	$625.6M	$610.1M	$445.2M	$344.1M	$326.9M
YoY Change	4.32%	-4.3%	6.0%	3.18%	19.89%	2.27%	1.23%	10.41%	26.85%	9.95%	-0.69%	9.91%	2.65%	-2.25%	-9.34%	29.95%	2.35%	5.52%	7.68%	2.82%	1.98%	21.96%	1.54%	4.03%	7.98%	9.02%	6.36%	26.51%	6.07%	8.42%	7.53%	3.74%	31.5%	0.62%	7.55%	8.04%	2.54%	37.04%	29.38%	5.26%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	38.43M shares	38.99M shares	39.05M shares	39.07M shares	34.63M shares	34.78M shares	34.73M shares	34.68M shares	33.81M shares	29.68M shares	29.65M shares	28.98M shares	27.97M shares	27.79M shares
Diluted Shares Outstanding		39.03M shares	39.05M shares	39.07M shares	34.68M shares	34.98M shares	34.95M shares	34.77M shares	33.85M shares	29.71M shares	29.68M shares	29.01M shares	27.99M shares	27.81M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.6456 Billion

About S&T BANCORP INC

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. The company is headquartered in Indiana, Pennsylvania and currently employs 1,244 full-time employees. The Company’s segments include Commercial Real Estate (CRE), Commercial and Industrial (C&I), Commercial Construction, Business Banking, Consumer Real Estate and Other Consumer. The CRE segment includes loans secured by commercial purpose real estate, including both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and healthcare. The C&I segment includes loans made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory, or equipment financing. The Commercial Construction segment includes loans made to finance the construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment includes commercial loans made to small businesses. Consumer Real Estate segment includes loans secured by first and second liens.

Industry: State Commercial Banks Peers: 1ST SOURCE CORP Bancorp, Inc. Dime Community Bancshares, Inc. /NY/ FIRST BUSEY CORP /NV/ FIRST COMMONWEALTH FINANCIAL CORP /PA/ GERMAN AMERICAN BANCORP, INC. National Bank Holdings Corp OCEANFIRST FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC. SOUTHSIDE BANCSHARES INC