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S&T Bancorp (STBA)
NASDAQ:STBA
US Market
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S&T Bancorp (STBA) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 22, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
0.87
Last Year’s EPS
0.86
Same Quarter Last Year
Based on 4 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 23, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with strong net interest margin expansion and robust earnings performance. Despite the challenges of increased NPAs and flat deposit growth, strategic initiatives and solid loan growth, particularly in the CRE segment, indicate a strong platform for future performance.
Company Guidance
During the third quarter of 2025 conference call, S&T Bancorp provided guidance indicating a positive outlook despite some challenges. Key metrics highlighted include an EPS of $0.91 and net income of $35 million, with a return on assets (ROA) of 1.42%, an improvement of 10 basis points from the previous quarter. The pre-provision net revenue (PPNR) was solid at 1.89%, up 16 basis points, supported by a strong net interest margin (NIM) of 3.93%, a 5 basis point increase. Furthermore, the company reported total loan growth of $47 million or 2.3% annually, primarily driven by commercial real estate (CRE) activities, despite a decline in commercial and industrial (C&I) loans by $46 million. S&T Bancorp also noted a stable deposit mix with noninterest-bearing deposits at 28% and average DDA growth of over $50 million from Q2. Despite an increase in nonperforming assets (NPAs) to 62 basis points, asset quality remains manageable, with a decrease in the allowance for credit losses by 1 basis point. Capital ratios improved, with tangible book value growing by more than 3%, supporting potential acquisitions and share buybacks. The efficiency ratio was reported at a strong 54.4%. Looking forward, the company anticipates mid-single-digit loan growth in Q4 while maintaining a focus on strategic balance sheet positioning and capital flexibility.
Net Interest Margin Expansion
Net interest margin expanded to a robust 3.93%, up 5 basis points from the previous quarter.
Strong Earnings Performance
Reported EPS of $0.91 and net income of $35 million, with ROA at 1.42%, up 10 basis points from Q2.
Solid Deposit Mix
Noninterest-bearing deposits represented 28% of total deposits, contributing to net interest income growth.
CRE Loan Growth
Total loan balances grew by $47 million, or 2.3% annually, driven by $133 million in CRE activities.
Tangible Book Value Growth
Tangible book value increased by more than 3% in the quarter, supporting robust capital levels.

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

STBA Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 22, 2026
2025 (Q4)
0.87 / -
0.86
Oct 23, 2025
2025 (Q3)
0.86 / 0.91
0.857.06% (+0.06)
Jul 24, 2025
2025 (Q2)
0.81 / 0.83
0.89-6.74% (-0.06)
Apr 24, 2025
2025 (Q1)
0.75 / 0.87
0.817.41% (+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
0.890.00% (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)
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
Oct 23, 2025
$35.69$36.31+1.74%
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%
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 Jan 22, 2026, Before Open (Confirmed).
    What is S&T Bancorp (STBA) earnings time?
    S&T Bancorp (STBA) earnings time is at Jan 22, 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?
          STBA EPS forecast for the fiscal quarter 2025 (Q4) is 0.87.
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