S&T Bank Reports Q4 NII of $105.9M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy STBA?
Reports Q4 NII $105.9M, consensus $103.52M. Reports Q4 net interest margin on a fully taxable equivalent basis expansion of 6 basis points to 3.99% compared to 3.93% in Q3. Tangible book value per share was $29.11 from $28.69 at previous quarter end. "I'm extremely proud of the strong performance we delivered in the fourth quarter and across 2025. These results reflect disciplined execution of our strategy, continued momentum on our key business drivers and strong core profitability," said CEO Chris McComish. "As we move into 2026, we remain focused on our people-forward approach and purpose-driven culture to enable sustainable growth, deliver value to our shareholders and serve our customers and communities with the integrity and commitment that defines S&T."
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Analyst Views on STBA
Wall Street analysts forecast STBA stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for STBA is 41.00 USD with a low forecast of 40.00 USD and a high forecast of 42.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
0 Buy
3 Hold
0 Sell
Hold
Current: 44.120
Low
40.00
Averages
41.00
High
42.00
Current: 44.120
Low
40.00
Averages
41.00
High
42.00
About STBA
S&T Bancorp, Inc. is a bank holding company. 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.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
S&T Bancorp Announces Increase in Cash Dividend
- Dividend Increase: The board of S&T Bancorp approved a cash dividend of $0.36 per share, reflecting a $0.02 increase or 5.88% from last year's $0.34, indicating sustained profitability and shareholder value enhancement.
- Annual Yield: With a closing price of $42.11 on January 27, 2026, the annualized yield stands at 3.42%, providing investors with a stable return expectation and bolstering market confidence in the company.
- Dividend Payment Schedule: The dividend will be payable on February 26, 2026, to shareholders of record as of February 12, 2026, ensuring timely returns for shareholders and strengthening investor relations.
- Company Overview: S&T Bancorp, a $9.9 billion bank holding company established in 1902, primarily operates in Pennsylvania and Ohio, demonstrating a strong market position and robust financial performance.
See More
S&T Bancorp Announces Increased Cash Dividend
- Dividend Increase: S&T Bancorp's board approved a cash dividend of $0.36 per share, reflecting a $0.02 increase or 5.88% from last year's $0.34, indicating ongoing profitability improvements.
- Annual Yield: The annualized yield based on the January 27, 2026 closing price of $42.11 stands at 3.42%, providing investors with a stable return outlook and enhancing market attractiveness for the stock.
- Dividend Payment Schedule: The dividend will be payable on February 26, 2026, to shareholders of record on February 12, 2026, ensuring timely returns for shareholders and reinforcing their trust in the company.
- Company Overview: S&T Bancorp, with assets of $9.9 billion, was established in 1902 and primarily operates in Pennsylvania and Ohio, demonstrating a strong market position and business stability.
See More
S&T Bancorp (STBA) Reports Q4 2025 Earnings with $135 Million Net Income
- Strong Financial Performance: S&T Bancorp reported nearly $135 million in net income for 2025, with earnings per share at $3.49, reflecting robust capital accumulation and financial performance that boosts market confidence.
- Sustained Loan Growth: The company achieved loan growth of nearly $100 million in Q4, a 4.5% increase driven by strong performance in C&I and CRE portfolios, indicating stable growth potential moving forward.
- Share Repurchase Plan: The Board approved a $100 million share repurchase authorization, signaling S&T Bancorp's ability to repurchase shares when market conditions are favorable while maintaining capital levels, enhancing shareholder value.
- Asset Quality Management: Despite an increase in nonperforming assets, management emphasized the importance of maintaining asset quality and projected mid-single-digit loan growth for 2026, demonstrating confidence in future performance.
See More
S&T Bancorp (STBA) Q4 EPS Beats Expectations with 11.6% Revenue Growth
- Earnings Beat: S&T Bancorp reported a Q4 GAAP EPS of $0.89, exceeding expectations by $0.01, indicating stable profitability and increased market confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $105.29 million, an 11.6% year-over-year increase, surpassing market expectations by $1.77 million, reflecting strong business expansion and demand.
- Net Interest Income Increase: Net interest income rose by $1.8 million, or 1.93%, demonstrating the company's adaptability in changing interest rate environments, while the net interest margin (FTE) improved by 6 basis points to 3.99%, up from 3.93% in Q3.
- Improved Financial Health Metrics: With the growth in revenue and net interest income, S&T Bancorp's financial health is further solidified, providing a stronger foundation for future investments and expansion.
See More
S&T Bancorp (STBA) Authorizes $100M Share Repurchase Program
- Repurchase Program Authorization: S&T Bancorp's board has authorized a new $100 million share repurchase program aimed at enhancing shareholder value and boosting market confidence.
- Replacement of Existing Program: The new repurchase program will take effect on January 26, 2026, replacing the existing program, indicating the company's confidence in future stock performance.
- Set Expiration Date: The new program is set to expire on February 1, 2027, providing ample time to execute the repurchase strategy, which could potentially enhance earnings per share.
- Termination of Existing Program: The existing share repurchase program has been terminated, reflecting the company's decisive actions in optimizing capital allocation to adapt to market changes.
See More
S&T Bancorp Reports $134.2M Net Income for 2025, New Share Repurchase Program Authorized
- Net Income Growth: S&T Bancorp reported a net income of $134.2 million for 2025, a 2.2% increase from $131.3 million in 2024, demonstrating the company's robust performance in a challenging economic environment, which boosts investor confidence.
- Earnings Per Share Increase: The EPS for 2025 rose to $3.49 from $3.41 in 2024, reflecting ongoing improvements in profitability that are likely to attract more investors to the stock.
- Interest Income Rise: The net interest income for 2025 reached $350.1 million, up 4.57% from $334.8 million in 2024, indicating the company's effective balance sheet management in a fluctuating interest rate environment, enhancing its profitability.
- New Share Repurchase Program: The board authorized a new $100 million share repurchase program aimed at enhancing shareholder value through disciplined capital management, set to take effect on January 26, 2026, which is expected to further bolster market confidence in the company.
See More
S&T Bancorp Announces Increase in Cash Dividend
- Dividend Increase: The board of S&T Bancorp approved a cash dividend of $0.36 per share, reflecting a $0.02 increase or 5.88% from last year's $0.34, indicating sustained profitability and shareholder value enhancement.
- Annual Yield: With a closing price of $42.11 on January 27, 2026, the annualized yield stands at 3.42%, providing investors with a stable return expectation and bolstering market confidence in the company.
- Dividend Payment Schedule: The dividend will be payable on February 26, 2026, to shareholders of record as of February 12, 2026, ensuring timely returns for shareholders and strengthening investor relations.
- Company Overview: S&T Bancorp, a $9.9 billion bank holding company established in 1902, primarily operates in Pennsylvania and Ohio, demonstrating a strong market position and robust financial performance.
See More
S&T Bancorp Announces Increased Cash Dividend
- Dividend Increase: S&T Bancorp's board approved a cash dividend of $0.36 per share, reflecting a $0.02 increase or 5.88% from last year's $0.34, indicating ongoing profitability improvements.
- Annual Yield: The annualized yield based on the January 27, 2026 closing price of $42.11 stands at 3.42%, providing investors with a stable return outlook and enhancing market attractiveness for the stock.
- Dividend Payment Schedule: The dividend will be payable on February 26, 2026, to shareholders of record on February 12, 2026, ensuring timely returns for shareholders and reinforcing their trust in the company.
- Company Overview: S&T Bancorp, with assets of $9.9 billion, was established in 1902 and primarily operates in Pennsylvania and Ohio, demonstrating a strong market position and business stability.
See More
S&T Bancorp (STBA) Reports Q4 2025 Earnings with $135 Million Net Income
- Strong Financial Performance: S&T Bancorp reported nearly $135 million in net income for 2025, with earnings per share at $3.49, reflecting robust capital accumulation and financial performance that boosts market confidence.
- Sustained Loan Growth: The company achieved loan growth of nearly $100 million in Q4, a 4.5% increase driven by strong performance in C&I and CRE portfolios, indicating stable growth potential moving forward.
- Share Repurchase Plan: The Board approved a $100 million share repurchase authorization, signaling S&T Bancorp's ability to repurchase shares when market conditions are favorable while maintaining capital levels, enhancing shareholder value.
- Asset Quality Management: Despite an increase in nonperforming assets, management emphasized the importance of maintaining asset quality and projected mid-single-digit loan growth for 2026, demonstrating confidence in future performance.
See More
S&T Bancorp (STBA) Q4 EPS Beats Expectations with 11.6% Revenue Growth
- Earnings Beat: S&T Bancorp reported a Q4 GAAP EPS of $0.89, exceeding expectations by $0.01, indicating stable profitability and increased market confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $105.29 million, an 11.6% year-over-year increase, surpassing market expectations by $1.77 million, reflecting strong business expansion and demand.
- Net Interest Income Increase: Net interest income rose by $1.8 million, or 1.93%, demonstrating the company's adaptability in changing interest rate environments, while the net interest margin (FTE) improved by 6 basis points to 3.99%, up from 3.93% in Q3.
- Improved Financial Health Metrics: With the growth in revenue and net interest income, S&T Bancorp's financial health is further solidified, providing a stronger foundation for future investments and expansion.
See More
S&T Bancorp (STBA) Authorizes $100M Share Repurchase Program
- Repurchase Program Authorization: S&T Bancorp's board has authorized a new $100 million share repurchase program aimed at enhancing shareholder value and boosting market confidence.
- Replacement of Existing Program: The new repurchase program will take effect on January 26, 2026, replacing the existing program, indicating the company's confidence in future stock performance.
- Set Expiration Date: The new program is set to expire on February 1, 2027, providing ample time to execute the repurchase strategy, which could potentially enhance earnings per share.
- Termination of Existing Program: The existing share repurchase program has been terminated, reflecting the company's decisive actions in optimizing capital allocation to adapt to market changes.
See More
S&T Bancorp Reports $134.2M Net Income for 2025, New Share Repurchase Program Authorized
- Net Income Growth: S&T Bancorp reported a net income of $134.2 million for 2025, a 2.2% increase from $131.3 million in 2024, demonstrating the company's robust performance in a challenging economic environment, which boosts investor confidence.
- Earnings Per Share Increase: The EPS for 2025 rose to $3.49 from $3.41 in 2024, reflecting ongoing improvements in profitability that are likely to attract more investors to the stock.
- Interest Income Rise: The net interest income for 2025 reached $350.1 million, up 4.57% from $334.8 million in 2024, indicating the company's effective balance sheet management in a fluctuating interest rate environment, enhancing its profitability.
- New Share Repurchase Program: The board authorized a new $100 million share repurchase program aimed at enhancing shareholder value through disciplined capital management, set to take effect on January 26, 2026, which is expected to further bolster market confidence in the company.
See More
