The earnings call highlighted strong financial performance with increased net interest income and margin, consistent loan and deposit growth, and improved asset quality. However, there were concerns regarding increased expenses, flat C&I balances, and potential margin pressure. The overall sentiment was cautiously optimistic with a focus on strategic growth.

Company Guidance

During the S&T Bancorp Second Quarter 2025 earnings call, the company provided guidance on several financial metrics. The quarter's earnings per share (EPS) were reported at $0.83, with net income reaching $32 million. The return on assets (ROA) was 1.32%, and the pre-provision net revenue (PPNR) remained strong at 1.73%. The net interest margin (NIM) expanded to 3.88%, a 7-basis-point increase from the previous quarter, while net interest income rose by approximately 4%. Loan growth was robust, with total assets surpassing $9.8 billion, driven by a 5% increase in loans. Noninterest-bearing deposits made up 28% of total deposits, marking eight consecutive quarters of deposit growth. The allowance for credit losses (ACL) decreased by 2 basis points to 1.24% of total loans. The company anticipates maintaining its NIM if the Federal Reserve cuts rates twice as expected this year and remains optimistic about reaching $10 billion in total assets through organic growth in the coming quarters.

Solid Earnings Performance

EPS of $0.83 and net income of $32 million, with ROA at 1.32% and PPNR at 1.73%, indicating robust financial health.

Strong Net Interest Margin and Income Growth

Net interest margin rose to 3.88%, up 7 basis points, with net interest income increasing by 3.9% or $3.3 million.

Consistent Loan and Deposit Growth

Annualized loan growth of just over 5% ($98 million) and eighth consecutive quarter of customer deposit growth.

Improved Asset Quality

Allowance for credit losses declined by 2 basis points from 1.26% to 1.24% of total loans.

S&T Bancorp (STBA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

STBA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.85 / -	0.85	―	―	―
Jul 24, 2025	2025 (Q2)	0.81 / 0.83	0.89	-6.74% (-0.06)
Apr 24, 2025	2025 (Q1)	0.75 / 0.87	0.81	7.41% (+0.06)
Jan 30, 2025	2024 (Q4)	0.77 / 0.86	0.96	-10.42% (-0.10)
Oct 17, 2024	2024 (Q3)	0.81 / 0.85	0.87	-2.30% (-0.02)
Jul 18, 2024	2024 (Q2)	0.74 / 0.89	0.89	0.00% (0.00)
Apr 18, 2024	2024 (Q1)	0.78 / 0.81	1.02	-20.59% (-0.21)
Jan 25, 2024	2023 (Q4)	0.86 / 0.96	1.03	-6.80% (-0.07)
Oct 19, 2023	2023 (Q3)	0.91 / 0.87	0.95	-8.42% (-0.08)
Jul 20, 2023	2023 (Q2)	0.89 / 0.89	0.74	20.27% (+0.15)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

STBA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$38.28	$37.61	-1.75%
Apr 24, 2025	$35.55	$35.83	+0.79%
Jan 30, 2025	$37.05	$37.38	+0.89%
Oct 17, 2024	$40.78	$39.94	-2.06%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does S&T Bancorp (STBA) report earnings?

S&T Bancorp (STBA) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is S&T Bancorp (STBA) earnings time?

S&T Bancorp (STBA) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is STBA EPS forecast?

STBA EPS forecast for the fiscal quarter 2025 (Q3) is 0.85.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing