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S&T Bancorp (STBA)
NASDAQ:STBA
Earnings Data
Report Date
Apr 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.87Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted solid full-year and quarterly financial performance: strong profitability (FY net income ~$135M, FY EPS $3.49), margin expansion (NIM +6 bps q/q to 3.99%), controlled expense guidance (~3% growth), robust capital actions including a $100M buyback authorization, and sustained multi-year improvement in criticized/classified loans (CNC down 50% over three years). Key near-term challenges include elevated Q4 charge-offs ($11M) related to resolved problem credits, a modest uptick in NPAs to 69 bps, a reduced ACL (1.15% of loans) from q/q and y/y releases, and some pipeline burn from payoffs/refinancings. Management provided constructive 2026 guidance (mid-single-digit loan growth, stable mid-high 3.9% NIM) and maintained that capital levels support buybacks and potential M&A, balancing growth ambitions with asset quality discipline.Company Guidance
Full-Year Profitability and EPS
Net income for FY2025 was just under $135 million, producing $3.49 per share in earnings, demonstrating strong full-year profitability and return generation.
Quarterly Profit and Return Metrics
Q4 net income was $34 million, or $0.89 per share. Return on assets (ROA) was 1.37% for the quarter, indicating continued strong profitability at the quarter level.
Margin Improvement
Net interest margin (NIM) rose to 3.99% in Q4, up 6 basis points linked quarter, and the company expects NIM stability in 2026 in the mid-to-high 3.9% range.
Revenue Resilience (PPNR and NII)
Pre-provision net revenue (PPNR) improved to 1.95% in Q4 (up 6 bps q/q). Net interest income increased by $1.8 million (just under 2%) versus Q3, driven by margin expansion and an 11 bps decrease in cost of funds.
Loan and Deposit Growth
Full-year loan growth was over 4%, and full-year customer deposit growth was just under 3%. Q4 loan growth was about $100 million (4.5%) with Q4 deposit growth ~ $60 million (2.9%).
Commercial Lending Momentum and Pipeline
Q4 loan growth was led by commercial banking: C&I balances grew by $53 million and CRE by $34 million; unused commercial construction commitments increased by $78 million q/q, supporting mid-single-digit loan growth guidance for 2026 primarily from C&I and CRE.
Capital Strength and Share Repurchase Authorization
Board approved a new $100 million share repurchase authorization; management repurchased ~948,000 shares in Q4 at an average $33.82 totaling $36.2 million. Regulatory capital ratios remain strong with significant excess capital even after repurchases.
Asset Quality Trend Over Three Years
Allowance for credit losses (ACL) and criticized/classified loan metrics improved over three years: CNC loans have been reduced by 50% over the last three years, reflecting sustained improvement in the problem loan pipeline.
Fee and Expense Outlook
Noninterest income increased $0.5 million in Q4; management expects fees in 2026 of approximately $13–$14 million per quarter. Noninterest expense guidance is ~3% year-over-year growth with a target quarterly run rate of ~$58 million.
Technology & AI Investments
AI-driven tools are in use for BSA/AML and fraud detection and for commercial underwriting/portfolio management; management cites millions of dollars in savings from fraud prevention and ongoing investment in AI for efficiency and compliance.
STBA Earnings History
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 |
|---|---|---|---|
Jan 22, 2026 | $41.94 | $43.17 | +2.93% |
Oct 23, 2025 | $35.36 | $35.98 | +1.75% |
Jul 24, 2025 | $37.92 | $37.26 | -1.74% |
Apr 24, 2025 | $35.22 | $35.50 | +0.80% |
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 Apr 16, 2026, Before Open (Confirmed).
What is S&T Bancorp (STBA) earnings time?
S&T Bancorp (STBA) earnings time is at Apr 16, 2026, 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?
Currently, no data Available