NASDAQ$STBA
S&T Bancorp Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
S&T Bancorp reported Q4 2025 net income of $34.0M, or $0.89 per diluted share.
Fourth-quarter net income was $34.0 million ($0.89 per share) versus $33.1 million ($0.86) a year ago. Net interest income grew 1.9% sequentially with NIM expansion to 3.99%. Full-year 2025 net income was $134.2 million ($3.49 per share).
- Q4 net income $34.0M; EPS $0.89.
- NIM 3.99%; loan growth 4.5% annualized.
- Net charge-offs $11.0M on NPA resolutions.
- FY25 net income $134.2M; EPS $3.49.
Headline financials
Revenue & EPS history
S&T Bancorp · Revenue · Quarterly
$105M
Revenue by segment
S&T Bancorp · $5.2M total across 2 segments · Q1 2021
- Wealth Management$2.94M+24.6%56.7%
- Other$2.25M—43.3%
Forward guidance
The release discusses S&T Bancorp's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.
Tailwinds
- S&T Bancorp cites operational execution and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and shareholder returns.
- Net interest margin and loan/deposit growth support the regional banking outlook.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
- Credit costs and funding competition remain key risks for banks.
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 2025
-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
| Quarter | Report date | Reaction (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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