STBA - NASDAQ
S&T Bancorp, Inc.
$44.07
-0.61%S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, Commercial and Industrial, Business Banking, Commercial Construction, Consumer Real Estate, and Other Consumer. The company accepts time and demand deposits; and offers commercial and consumer loans, cash management services, and brokerage and trust services, as well as acts as guardian and custodian of employee benefits. It also manages private investment accounts for individuals and institutions. In addition, the company distributes life insurance and long-term disability income insurance products, as well as offers title insurance agency services to commercial customers; and acts as a reinsurer of credit life, accident, and health insurance policies. As of December 31, 2021, it operated 73 banking branches and 5 loan production offices located in Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bancorp, Inc. was founded in 1902 and is headquartered in Indiana, Pennsylvania.
At a Glance
Live SnapshotS&T Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
S&T Bancorp, Inc. Cash Flow Statement
STBA • NASDAQ
| S&T Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
134.2M | 131.3M | 144.8M | 135.5M | 110.3M | 21M | 98.2M | 105.3M | 73M | 71.4M | 67.1M | 57.9M | 50.5M | 34.2M | 47.3M | 43.5M | 8M | 60.2M | 56.1M | 53.3M | |
7.1M | 10.9M | 7.5M | 9M | 11.5M | 12.1M | 11.7M | 7.3M | 2.5M | 3.6M | 356K | 4.7M | 5.3M | 7M | 6.3M | 6.6M | 7M | 5M | 4.6M | 4.2M | |
175K | -296K | 601K | -2.9M | 2.4M | -4.4M | -381K | 3.5M | 13.8M | 536K | -427K | 1.5M | -2.4M | 1.1M | 2.5M | -4.5M | -7.5M | -6M | -2.1M | 1.8M | |
5.3M | 4.6M | 3.9M | 3.2M | 2.4M | 724K | 2.4M | 1.9M | 3M | 2.5M | 1.6M | 975K | 687K | 913K | 960K | 513K | 321K | 1.3M | 0.0 | 0.0 | |
8.7M | 11.3M | 18.4M | 12.7M | 38.5M | 122.4M | 16.2M | -2.1M | 12.6M | 19.3M | 5M | 3.8M | 29.2M | 4.2M | 21.1M | 24.4M | 75.5M | 15.3M | 2.1M | 4.2M | |
(26.3M) | (29.7M) | (36.9M) | (31.2M) | (24.2M) | (6.2M) | (14.7M) | (15.7M) | (33.8M) | (26.7M) | (23.2M) | (18.1M) | (13.1M) | (4.1M) | (15.1M) | (14.8M) | (5.3M) | (24.3M) | (0.0) | (0.0) | |
-21.9M | 15.6M | -3.5M | 83M | 49.7M | -100.2M | 10.2M | 12.1M | 9.3M | -639K | -13M | 9.2M | 2.6M | 36.5M | -4.3M | 18.5M | -28.8M | 219K | 3.2M | -12.3M | |
133.6M | 173.4M | 171.7M | 240.5M | 214.9M | 51.6M | 138.4M | 128M | 114.2M | 96.8M | 60.6M | 78.1M | 86.1M | 83.9M | 73.9M | 89M | 54.6M | 76M | 63.8M | 51.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -3M | -6.2M | -3.9M | -3.6M | -5.4M | -5.2M | -4.2M | -4.7M | -3.6M | -5.1M | -5.1M | -2.8M | -2.2M | -2.5M | -3.5M | -1.6M | -3.9M | -5.4M | -9.5M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (63.8M) | (4.5M) | (4.4M) | (0.0) | -16.3M | (0.0) | (4.8M) | (18.6M) | (0.0) | (0.0) | (0.0) | -67.7M | (0.0) | (0.0) | |
-142.4M | -325M | -112M | -401.1M | -313.6M | -178.4M | -130M | -92.6M | -156.8M | -113.4M | -74.7M | -181.2M | -144.8M | -166.8M | -135.4M | -82.9M | -86.1M | -124.3M | -10.5M | -13M | |
47M | 296M | 147.7M | 191.3M | 146.8M | 207M | 152.3M | 89.8M | 146.8M | 99.1M | 61.3M | 58.5M | 66.8M | 154.2M | 71.4M | 149.5M | 182.3M | 272M | 82.1M | 65.8M | |
-219.4M | -86.3M | -473.7M | -185M | 183.6M | -182.4M | -291.5M | -199.6M | -202M | -598.9M | -370.8M | -309.3M | -233.7M | -12.2M | 198.3M | 4.5M | 114.4M | -291.8M | -135.3M | -188.3M | |
-314.8M | -118.3M | -444.2M | -398.7M | (13.2M) | -159.2M | -210.6M | -202M | -212.4M | -616.7M | -405.7M | -437M | -309.7M | -8.3M | (131.7M) | (67.7M) | (208.9M) | -215.8M | -69.1M | -145M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-37.9M | -870K | -20.6M | -8.4M | -630K | -13.2M | -19.1M | -12.9M | -689K | -115K | -182K | -163K | -88K | 998K | 1.9M | 3.7M | 1.3M | 7.5M | -28.3M | -32.5M | |
14.9M | -253.4M | 64.5M | 277.8M | -66.7M | -233.5M | -225.9M | -47M | -87.4M | 201.7M | 81.4M | 147.6M | 7.7M | -10.8M | 77.5M | -107.8M | -351.6M | 215.7M | 21.3M | 13.4M | |
-52.9M | -51M | -49.7M | -47M | -44.3M | -43.9M | -37.4M | -34.5M | -28.6M | -26.8M | -24.5M | -20.2M | -18.1M | -17.4M | -21.9M | -22.1M | -29.9M | -32.3M | -29.8M | -30M | |
-37.9M | -870K | -20.6M | -8.4M | -630K | -13.2M | -19.1M | -12.9M | -689K | -115K | -182K | -163K | -88K | -49K | -108.7M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
175.7M | 261.4M | 301.9M | -776.5M | 576.1M | 430.1M | 396.9M | 206.7M | 192.5M | 385.2M | 278.2M | 232.9M | 4.8M | 18.8M | 7.9M | 8.6M | 7.4M | -56.2M | 56.9M | 146.7M | |
99.8M | -43.9M | 296.1M | -554.1M | 464.5M | 139.5M | 114.5M | 112.3M | 75.8M | 559.9M | 335M | 360.2M | -5.7M | -8.4M | -43.3M | -117.6M | -264.1M | 134.7M | 20.1M | 97.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-81.4M | 11.2M | 23.6M | -712.2M | 692.5M | 31.8M | 42.3M | 38.3M | -22.3M | 40.1M | -10.2M | 1.2M | -229.4M | 67.2M | 162.3M | 39M | -627K | -5.1M | 14.9M | 3.8M | |
244.8M | 233.6M | 210M | 922.2M | 229.7M | 197.8M | 155.5M | 117.2M | 139.5M | 99.4M | 109.6M | 108.4M | 337.7M | 270.5M | 108.2M | 69.2M | 69.8M | 74.9M | 60M | 56.2M | |
163.4M | 244.8M | 233.6M | 210M | 922.2M | 229.7M | 197.8M | 155.5M | 117.2M | 139.5M | 99.4M | 109.6M | 108.4M | 337.7M | 270.5M | 108.2M | 69.2M | 69.8M | 74.9M | 60M | |
128.8M | 170.4M | 165.5M | 236.6M | 211.2M | 46.1M | 133.3M | 123.8M | 109.5M | 93.2M | 55.5M | 73M | 83.2M | 81.7M | 71.4M | 85.5M | 53M | 72.1M | 58.5M | 41.7M |
SEC Filings
STBA - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K/A 8-K/A 2025 (Amended) N/A | May 15, 2026 | October 29, 2025 | 2025 | |
8-K 8-K 2026 N/A | May 15, 2026 | May 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 15, 2026 | May 12, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 07, 2026 | April 02, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 30, 2026 | May 12, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 |
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