S&T Bancorp (STBA)
NASDAQ:STBA
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Earnings Data
Report Date
Jul 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.91Last Year’s EPS
0.83Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed multiple strong positives—record and broad-based deposit growth, improved returns (ROTCE), disciplined buybacks with robust capital ratios, reduced wholesale funding, low charge-offs and improving NPLs, and growing treasury management fee initiatives. Offsetting these were meaningful near-term headwinds: a $113M decline in loans, lowered loan growth guidance, a modest NIM decline (7 bps) and $2.6M drop in net interest income, softer noninterest income in the quarter, and rising competitive pressure on loan pricing and CRE runoff. Management emphasized balance-sheet flexibility, continued hiring to drive future loan growth, and discipline on pricing. Overall, the positives (record deposits, capital actions, returns, and asset quality) appear to outweigh the near-term operational and competitive headwinds, though monitoring loan growth and margin competition will be important going forward.Company Guidance
Strong Net Income and EPS Growth
Net income of $35.0 million, or $0.94 per share, up ~6% vs Q4 2025 and up 8% vs Q1 2025.
Improved Returns (ROTCE) and ROA
ROTCE of 13.22%, up ~1% vs Q4 2025; ROA increased by 7 basis points vs prior quarter (exact ROA figure not provided).
Record Customer Deposit Growth
Customer deposits increased by over $300 million in the quarter, the highest quarterly customer deposit growth in S&T Bancorp's 125-year history, pushing total deposits above $8.0 billion. DDA mix rose to 28% of total deposits, up 1 percentage point from Q4 2025, and management estimates $150M–$200M of this as core, repeatable growth.
Reduced Wholesale Funding and Strong Liquidity
Wholesale funding reduced by almost $200 million during the quarter; higher cash balances used to manage funding and position for loan growth and balance-sheet flexibility.
Share Repurchases and Capital Strength
Repurchased ~1.146 million shares in Q1 (~$49.7M at $43.30 avg). Total repurchases over two quarters ~$85.8M (≈2.0M shares, ~5.5% of outstanding). CET1 remains strong (over 14%) with regulatory ratios providing excess capital and ~$50M remaining in the current authorization.
Asset Quality Improvement and Low Charge-offs
Nonperforming assets decreased by $5.7 million to $50.0 million (63 bps). Loan charge-offs were low at $1.7 million (9 bps). Allowance for credit losses stable at 1.17% despite a slight uptick in criticized/classified loans.
Disciplined Expense Management
Noninterest expense declined ~$0.5 million vs Q4 2025; management expects ~3% year-over-year growth in noninterest expense for 2026, implying a quarterly run rate around $58 million.
Fee and Treasury Management Momentum
Management expects fee income of ~$13M–$14M per quarter and noted pickup in treasury management (including a bundled non-analyzed SMB product) and financial services as growth drivers for fee income and deposit engagement.
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 |
|---|---|---|---|
Apr 23, 2026 | $43.41 | $43.54 | +0.30% |
Jan 22, 2026 | $41.60 | $42.81 | +2.93% |
Oct 23, 2025 | $35.07 | $35.68 | +1.74% |
Jul 24, 2025 | $37.61 | $36.96 | -1.75% |
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 Jul 16, 2026, Before Open (Confirmed).
What is S&T Bancorp (STBA) earnings time?
S&T Bancorp (STBA) earnings time is at Jul 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
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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 2026 (Q2) is 0.91.