The earnings call presented a generally positive outlook with strong loan and deposit growth, improved net interest income, and low non-performing assets. However, increased expenses and muted growth in certain deposit segments were noted as challenges.

Company Guidance -

Q3 2025

During the S&T Bancorp Second Quarter 2025 conference call, S&T's CFO and CEO highlighted the company's strategic initiatives that have resulted in solid financial performance. The company's net interest margin (NIM) increased to 3.88%, contributing to a 3.9% rise in net interest income. Earnings per share (EPS) stood at $0.83, with net income of $32 million and a return on assets (ROA) of 1.32%. The pre-provision net revenue (PPNR) remained strong at 1.73%, bolstered by a 5% loan growth that pushed total assets to over $9.8 billion. Despite a muted customer deposit growth, noninterest-bearing deposits accounted for 28% of total deposits, marking eight consecutive quarters of deposit growth. The company anticipates maintaining a stable NIM if the Federal Reserve cuts rates twice this year, while robust commercial real estate and mortgage segments are expected to sustain high mid-single-digit loan growth through the second half of 2025. Additionally, S&T Bancorp remains open to future inorganic growth opportunities, supported by a robust capital position.

Consistent Net Interest Income Growth

Net interest income improved by $3.3 million, or 3.9%, compared to the first quarter, driven by loan growth of 5% and a net interest margin expansion to 3.88%.

Strong Loan Growth

Annualized loan growth of just over 5% or $98 million in Q2, driven by commercial real estate and mortgage and home equity businesses.

Solid Deposit Growth

Eighth consecutive quarter of customer deposit growth with balances increasing by $28 million or 1.42% annualized.

Low Non-Performing Assets

Allowance for credit losses declined to 1.24% of total loans, with stable C&Cs and modest charge-offs of $1.2 million.

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

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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	$38.62	$37.94	-1.76%
Apr 24, 2025	$35.87	$36.15	+0.78%
Jan 30, 2025	$37.38	$37.71	+0.88%
Oct 17, 2024	$41.14	$40.30	-2.04%

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.

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