S&T Bancorp
Runs a regional banking network built around deposits, lending, treasury, and wealth services.
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Profile
Collects local deposits and lends mainly through commercial real estate, business, residential mortgage, and home-equity products. The franchise is concentrated in Pennsylvania and Ohio, with fee income from cards, deposit services, treasury management, and wealth management.
At the center is S&T Bank, a full-service Pennsylvania-chartered bank with roots in 1902. The branch network spans Pennsylvania and Ohio, serving households, small businesses, commercial borrowers, and municipalities with deposits, loans, treasury management, cards, digital banking, and wealth services.
Revenue is driven mainly by interest earned on commercial real estate, business, residential mortgage, and home-equity loans after funding costs. Fee income comes from debit and credit cards, deposit services, treasury tools, and wealth management.
The structure depends on local deposit relationships, disciplined credit quality, property-market conditions, and bank regulation. Management reports the franchise as one Community Banking segment rather than separate product divisions.
Company facts
Categories
Key statistics
Year to date +26.9% · Average volume (30d) 257.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Neutral | $51 | $53 | |
| Jul 27, 2026 | Hovde Group | Reiterate | Market Perform | $54 | ||
| Jun 26, 2026 | Piper Sandler | Reiterate | Neutral | $40 | $51 | |
| Jan 26, 2026 | Janney Montgomery Scott | Upgrade | Neutral | Buy | ||
| Oct 27, 2025 | Piper Sandler | Reiterate | Neutral | $40 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.92 | $1.02 | +11.0% | $104.4M | $105.2M | +0.8% | +1.59% |
| Apr 23, 2026Q1 FY26 | $0.87 | $0.94 | +8.4% | $103.6M | $102.1M | −1.5% | −0.73% |
| Jan 22, 2026Q4 FY25 | $0.89 | $0.89 | 0.0% | $103.5M | $105.3M | +1.8% | −4.84% |
| Oct 23, 2025Q3 FY25 | $0.86 | $0.91 | +6.1% | $103.0M | $103.0M | 0.0% | +0.36% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $135.3M | $142.4M | $145.4M | $145.4M | $140.0M | $128.1M | |
| Gross profit | $96.8M | $98.1M | $100.2M | $99.6M | $100.8M | $90.4M | |
| Operating income | $41.7M | $40.0M | $43.8M | $42.4M | $44.0M | $30.6M | |
| Net income | $33.4M | $31.9M | $35.0M | $34.0M | $35.1M | $36.6M | |
| Diluted EPS | $0.87 | $0.83 | $0.91 | $0.89 | $0.94 | $1.00 | |
| Gross margin | 71.6% | 68.9% | 68.9% | 68.5% | 72.0% | 70.6% | |
| Operating margin | 30.8% | 28.1% | 30.2% | 29.2% | 31.5% | 23.9% |
Fiscal years (4-quarter sums)FY21 $353.9M · FY22 $399.0M · FY23 $535.5M · FY24 $565.0M · FY25 $568.5M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $217.8M · Total debt $275.3M · Total assets $9.94B · Shareholders' equity $1.40B
Dividends
Raised for 16 straight years — most recently to $0.37 from $0.36 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 18, 2026 | Aug 18 | Aug 27 | $0.37 | |
| May 14, 2026 | May 14 | May 28 | $0.37 | raised from $0.36 |
| Feb 12, 2026 | Feb 12 | Feb 26 | $0.36 | |
| Nov 13, 2025 | Nov 13 | Nov 28 | $0.36 | raised from $0.34 |
| Aug 14, 2025 | Aug 14 | Aug 28 | $0.34 | |
| May 15, 2025 | May 15 | May 29 | $0.34 | |
| Feb 13, 2025 | Feb 13 | Feb 27 | $0.34 | |
| Nov 7, 2024 | Nov 7 | Nov 21 | $0.34 | raised from $0.33 |
Ownership
Shares outstanding 35.26M · Float 34.78M · 98.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 5.16M | 14.62% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 2.40M | 6.79% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 2.33M | 6.59% | 13F | Aug 11, 2026 |
| State Street Corporation | 1.87M | 5.20% | 13G | Aug 7, 2026 |
| Vanguard Capital Management LLC | 1.62M | 4.59% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 12, 2026 | William J. Hieb | director | −11,979 | $51.34 |
| Aug 11, 2026 | William J. Hieb | director | −5,310 | $51.24 |
| Oct 28, 2025 | Jeffrey D. Grube | director | +2,500 | $36.55 |
Peers
- First Commonwealth Financial
Closest PA/OH community-bank overlap in deposits, loans, and branches
- F.N.B.
Larger PA-based regional bank with overlapping commercial and consumer markets
- Northwest Bancshares
PA/OH community-bank peer across deposits, mortgages, and small business
- WesBanco
Multi-state community bank overlapping in Ohio and western Pennsylvania
- Fulton Financial
Mid-Atlantic regional bank competing for PA deposits and business banking
- PNC Financial Services Group
Large Pittsburgh-based bank competing on scale, treasury, and digital reach
- Huntington Bancshares
Ohio-centered superregional competing for deposits, loans, and digital banking
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| First Commonwealth Financial | $20.85 | +0.05% | $2.12B | 12.8 | 11.2 | 3.4 | +6.5% |
| F.N.B. | $18.41 | −0.05% | $6.55B | 11.0 | 10.3 | 2.4 | +5.6% |
| Northwest Bancshares | $15.34 | 0.00% | $2.25B | 14.9 | 10.9 | 2.7 | +21.2% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Median | 12.6 | 10.9 | 2.6 | +13.5% |