STBA FINANCIAL STATEMENTS

S&T Bancorp Inc — balance sheet, income statement and cash flow trends

STBAS&T Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value itDuel

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
0200 M400 M600 M202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue573.2 M $Gross Profit398.7 M $ · 70%Operating Income170.3 M $ · 30%Pre-tax Income170.3 M $ · 30%Net Income135.9 M $ · 24%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue573.2 M $+2.4%
Gross Profit398.7 M $+3.0%
Operating Income170.3 M $+1.7%
EBITDA170.3 M $+1.7%
Net Income135.9 M $+1.9%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
STBA———23.7%
KLNMA———58.1%
LB———1.4%
BFL———30.2%
BOQ———2.0%
SKBNK———14.2%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
05 B10 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets9.9 B
  • Equity1.4 B $14%
  • Current Liabilities50 M $1%
  • Long-term Liabilities8.5 B $85%

Key Figures

YoY change
Total Assets9.9 B $+2.3%
Total Liabilities8.5 B $+2.6%
Total Equity1.4 B $+0.9%
Cash & ST Investments62.7 M $-94.9%
Total Debt150.3 M $-23.1%
Net Debt87.6 M $—

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
STBA1.9710.5%0.5114.4%
KLNMA—0.0%-0.0017.7%
LB0.01744.5%280.575.3%
BFL33.689.1%-3.3012.0%
BOQ0.05258.4%49.896.0%
SKBNK—0.0%-13.415.9%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
0100 M200 M202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
050 M100 M150 M148.4 M $Operating-127.5 M $Investing106.4 M $Financing127.2 M $Net Change

Key Figures

YoY change
Operating Cash Flow148.4 M $-4.7%
Capital Expenditures6.3 M $+51.0%
Free Cash Flow147.9 M $-2.5%
Dividends Paid-53.2 M $-203.6%

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
STBA25.9%25.8%1.1%109.2%
KLNMA58.1%57.8%0.3%100.0%
LB-1.8%-3.5%1.7%-134.2%
BFL116.9%27.7%2.8%386.6%
BOQ13.1%13.0%0.2%668.4%
SKBNK14.2%31.2%17.0%100.0%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.