STBA
S&T Bancorp, Inc.42.16
-0.60-1.4%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Hiring push, AI savings detailed
Q&A largely reaffirmed prepared guidance on mid-single-digit loan growth, stable mid-to-high 3.9% NIM, and 3% expense growth, but surfaced hiring as key to ramping C&I and CRE via new bankers across geographies. Management shrugged off $10 billion Durbin hit at $6-7 million, prioritizing growth over avoidance. Deposit competition eased late quarter, with 30% betas baked in and confidence in internal funding. AI already saves millions quarterly in fraud and compliance. Analysts probed growth hurdles; answers stayed crisp, no hedges. Watch banker adds and deposit traction.
Key Stats
Market Cap
1.62BP/E (TTM)
12.18Basic EPS (TTM)
3.46Dividend Yield
0.06%Recent Filings
10-K
FY2025 results
S&T Bancorp closed FY2025 with $9.9B assets, $8.1B loans up 4% y/y, and $8.0B deposits up 2% y/y, while net income rose to $134M from $131M. Q4 saw accelerated share repurchases of 948k shares at $38.20 average, exhausting most of the $50M authorization amid strong capital ratios (CET1 14.32%, total 16.19%, all well above requirements). Loans grew steadily, but nonaccruals doubled to $56M (0.69% of loans) from Q4 resolutions, lifting net charge-offs to 0.18% annualized while ACL fell to 1.15% on lower loss rates. Deposits shifted to CDs, trimming brokered funding. Q4 momentum shone in $100M new buyback launch. Regional economic weakness threatens credit quality.
8-K
S&T Q4 earnings strong
S&T Bancorp released its FY and Q4 2025 results, posting net income of $134.2M and $34.0M, respectively, with NIM expanding to 3.99% in Q4. Loans grew $329M (4.25%) yearly, deposits $176M (2.26%), while NCOs hit 0.54% QTD from resolutions. Strong capital fuels $100M repurchase program. Asset quality holds firm.
8-K
Waives Grube's retirement age
S&T Bancorp's board waived the 72-year mandatory retirement age for Lead Independent Director Jeffrey D. Grube, effective January 28, 2026, through nomination for the 2028 annual meeting. This limited exception, from which Grube abstained, ensures leadership continuity. Board retains annual nomination discretion. No permanent bylaw changes planned.
8-K
Dividend raised to $0.36
8-K
Q4 earnings, $100M buyback
S&T Bancorp reported Q4 net income of $34.0 million, or $0.89 per diluted share, with full-year 2025 net income hitting $134.2 million, up from $131.3 million in 2024. NIM expanded to 3.99%, loans grew $91 million, yet charge-offs spiked to $11.0 million on NPA resolutions. Board greenlit $100 million buyback through February 2027, signaling capital strength. Buybacks flex with markets.
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