S&T Bancorp, Inc.
NASDAQ:STBA · NASDAQ Global Select
+$0.14 today
Vol 0.62M · Avg 0.25M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Stock Ticker Earnings Waterfall
NASDAQ:STBA · Revenue to Net Income
Key Ratios
Analysis
$573.2M of revenue converted into $135.9M of net income for the selected period. Gross margin is 69.6% and net margin is 23.7%, showing how much revenue survives after costs and taxes. EPS is $3.57, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $568.5M +0.6% | $565.0M +5.5% | $535.5M +34.2% | $399.0M +12.7% | $354.0M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $173.8M -4.1% | $181.2M +23.8% | $146.4M +339.1% | $33.3M +13.5% | $29.4M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $394.7M +2.9% | $383.8M -1.4% | $389.1M +6.4% | $365.7M +12.7% | $324.6M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 69.4% +1.5pp | 67.9% -4.7pp | 72.7% -19.0pp | 91.6% -0.1pp | 91.7% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $137.8M +4.0% | $132.5M +8.6% | $122.1M +9.3% | $111.7M +2.5% | $109.0M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $226.8M +3.6% | $218.9M +4.1% | $210.3M +6.9% | $196.7M +4.1% | $188.9M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $7.1M -34.6% | $10.9M +44.5% | $7.5M -16.7% | $9.0M -21.4% | $11.5M | $374.2M | $1.2B | $631.8M |
| EBITDA | $175.0M -0.4% | $175.7M -5.7% | $186.3M +4.7% | $178.0M +20.9% | $147.1M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 30.8% -0.3pp | 31.1% -3.7pp | 34.8% -9.8pp | 44.6% +3.0pp | 41.6% | 5.6% | 46.3% | 42.0% |
| Operating Income | $167.9M +1.9% | $164.8M -7.8% | $178.8M +5.8% | $168.9M +24.5% | $135.7M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 29.5% +0.4pp | 29.2% -4.2pp | 33.4% -8.9pp | 42.3% +4.0pp | 38.3% | 16.6% | 24.1% | 22.0% |
| Interest Income | $516.5M +0.3% | $514.8M +8.2% | $475.6M +39.8% | $340.2M +17.8% | $288.8M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $166.4M -8.1% | $181.1M +40.9% | $128.5M +414.6% | $25.0M +89.9% | $13.2M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $167.9M +1.9% | $164.8M -7.8% | $178.8M +5.8% | $168.9M +24.5% | $135.7M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 29.5% +0.4pp | 29.2% -4.2pp | 33.4% -8.9pp | 42.3% +4.0pp | 38.3% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $33.7M +0.5% | $33.6M -1.4% | $34.0M +1.8% | $33.4M +31.9% | $25.3M | $1.3B | -$1.6B | $745.2M |
| Net Income | $134.2M +2.3% | $131.3M -9.3% | $144.8M +6.8% | $135.5M +22.8% | $110.3M | $4.9B | $4.8B | $4.7B |
| Net Margin | 23.6% +0.4pp | 23.2% -3.8pp | 27.0% -6.9pp | 34.0% +2.8pp | 31.2% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $3 +1.5% | $3 -9.3% | $4 +8.9% | $3 +23.5% | $3 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $3 +2.6% | $3 -9.1% | $4 +8.1% | $3 +23.1% | $3 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $38.6M +1.0% | $38.2M +0.0% | $38.2M -1.9% | $39.0M -0.2% | $39.0M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $38.5M -0.1% | $38.5M -0.3% | $38.7M -1.0% | $39.0M -0.1% | $39.1M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
First Merchants Corporation
NASDAQ:FRME
$2.57B
Merchants Bancorp
NASDAQ:MBIN
$2.26B
First Commonwealth Financial Corporation
NYSE:FCF
$1.98B
Stellar Bancorp, Inc.
NYSE:STEL
$1.95B
1st Source Corporation
NASDAQ:SRCE
$1.85B
German American Bancorp, Inc.
NASDAQ:GABC
$1.68B
TriCo Bancshares
NASDAQ:TCBK
$1.64B
National Bank Holdings Corporation
NYSE:NBHC
$1.61B
QCR Holdings, Inc.
NASDAQ:QCRH
$1.57B
Lakeland Financial Corporation
NASDAQ:LKFN
$1.50B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does STBA generate?
S&T Bancorp, Inc. (STBA) reported $568.51M of revenue in fiscal 2025.
Is STBA profitable?
S&T Bancorp, Inc. (STBA) reported $134.23M of net income, with a net margin of 23.6%.
Explore More
Continue the stock analysis
Jump to another research area for this company.