NASDAQ$STBA

S&T Bancorp Inc · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

S&T Bancorp's Q4 2020 earnings were announced, revealing an increase in net income compared to the previous quarter and the same quarter of the previous year.

S&T Bancorp, Inc. reported a net income of $24.2 million, or $0.62 per diluted share, for the fourth quarter of 2020. This represents an increase compared to the third quarter of 2020 ($16.7 million, or $0.43 per diluted share) and is on par with the fourth quarter of 2019 ($22.3 million, or $0.62 per diluted share).

  • Net income for Q4 2020 was $24.2 million, or $0.62 per diluted share.
  • Return on average assets (ROA) was 1.05%, return on average equity (ROE) was 8.35%, and return on average tangible equity (ROTE) was 12.71%.
  • Net interest margin (FTE) increased 9 basis points to 3.38% compared to the previous quarter.
  • The allowance for credit losses to total portfolio loans was 1.63% at the end of Q4 2020.

Headline financials

Total Revenue

$85.5M

Previous: $79.6M+7.4%
EPS (adj)

$0.62

Previous: $0.85-27.1%
Efficiency Ratio

56.3%

No prior period
Capital Expenditures

$1.06M

Previous: $1.1M-3.5%
Free Cash Flow

$55.4M

Previous: $44.5M+24.4%
Net Income

$24.2M

Previous: $22.3M+8.6%
Operating Income

$29.9M

Previous: $27.4M+9.2%
Cash & Equivalents

$230M

Previous: $198M+16.1%
Total Assets

$8.97B

Previous: $8.76B+2.3%
Stock-Based Comp

-$121K

Previous: $621K-119.5%

Revenue & EPS history

S&T Bancorp · Revenue · Quarterly

$85.5M

Q4 2020+7.4%vs Q4 2019
Beat estimate in 12 of 16 quarters(75%)
ActualEstimate

Revenue by segment

S&T Bancorp · $4.88M total across 2 segments · Q4 2020

  • Wealth Management
    $2.49M
  • Other
    $2.4M

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2020

Historical avgQ4 2020

-0.3%

Avg return

Earnings day

+0.5%

Avg return

5 days after

+1.3%

Avg return

30 days after

55%

36 / 66 earnings

Positive

+9.4%

Q2 2013

Best reaction

-12.4%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.6%+2.3%+3.3%
Q4 2025+2.9%+0.4%+6.5%
Q3 2025+1.7%+3.8%+10.6%
Q2 2025-1.0%-3.0%+1.6%
Q1 2025+0.8%+2.7%+0.8%
Q4 2024+0.9%+6.0%+5.7%
Q3 2024-6.3%-8.2%+0.3%
Q2 2024+3.6%+7.6%+2.6%
Q1 2024+4.3%+6.7%+13.4%
Q4 2023+1.9%+3.3%-9.2%
Q3 2023-4.8%-8.3%+5.8%
Q2 2023-2.9%-1.5%-5.0%
Q1 2023-6.9%-10.4%-8.1%
Q4 2022+9.1%+12.7%+15.2%
Q3 2022+7.3%+12.2%+15.2%
Q2 2022+1.7%+4.8%+10.9%
Q1 2022-2.0%-2.3%-5.1%
Q4 2021-5.4%-3.5%-3.4%
Q3 2021+1.9%+2.0%+2.6%
Q2 2021-2.7%-1.6%-0.2%
Q1 2021+3.1%+1.7%+6.5%
Q4 2020-6.1%-0.4%+6.7%
Q3 2020+2.1%-4.9%+10.4%
Q2 2020-9.6%-16.4%-13.3%
Q1 2020-12.4%-16.5%-23.8%
Q4 2019-1.0%+1.1%-13.4%
Q3 2019-1.6%+2.2%+1.4%
Q2 2019+0.9%+0.6%-4.3%
Q1 2019-5.6%-3.9%-4.7%
Q4 2018-4.4%-1.9%+3.2%
Q3 2018+1.6%-1.1%+1.3%
Q2 2018+3.6%+3.9%+3.2%
Q1 2018+2.5%+6.3%+9.9%
Q4 2017-1.5%+0.7%-5.9%
Q3 2017+0.9%+1.4%-2.7%
Q2 2017+3.6%+5.3%-5.2%
Q1 2017+1.4%+6.7%-2.7%
Q4 2016-1.1%-1.9%-3.9%
Q3 2016+1.8%+11.6%+20.7%
Q2 2016+0.3%+0.4%+6.9%
Q1 2016-1.7%
Q4 2015-5.3%
Q3 2015-3.9%
Q2 2015+4.4%
Q1 2015-2.3%
Q4 2014-4.8%
Q3 2014+6.3%
Q2 2014+3.0%
Q1 2014+3.5%
Q4 2013-4.4%
Q3 2013-3.5%
Q2 2013+9.4%
Q1 2013+7.5%
Q4 2012-0.4%
Q3 2012+6.0%
Q2 2012+4.9%
Q1 2011-0.7%
Q1 2012+0.9%
Q4 2009+0.4%
Q4 2011+0.4%
Q4 2010+0.4%
Q3 2011+0.5%
Q3 2010+0.5%
Q2 2011-7.8%
Q2 2010-7.8%
Q1 2010-6.5%

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