Monitor loan growth trends and net interest margin stability in coming quarters; the loan decline may pressure earnings if it continues. Current profitability metrics are solid but lack upside catalyst.
Price Chart
Executive Summary
S&T Bancorp filed an 8-K with an investor presentation for Q1 2026, reporting net income of $35.1M ($0.94 EPS), a NIM of 3.92%, and loan balances declining 5.7% annualized while deposits grew 11.5% annualized. The presentation highlights solid return metrics and capital management via share repurchases and a dividend increase, but loan shrinkage warrants monitoring.
Key Facts
- Net income $35.1M, EPS $0.94
- ROTE 13.22%, NIM (FTE) 3.92%
- Loans declined $112.6M (5.7% annualized)
- Deposits increased $226.4M (11.5% annualized)
- NPAs $49.9M, NCOs 0.09% annualized
- Share repurchases of $85.8M in 4Q25 and 1Q26; dividend raised to $0.37/share
Financial Impact
Net income $35.1M, EPS $0.94, total revenue $102.1M
Risk Factors
- Continued loan contraction could signal weakening demand or credit tightening
- Interest rate sensitivity and margin compression risk
- Elevated NPAs relative to historical levels (0.63%)
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000719220-26-000047 |
| Document: stba-20260504.htm | 0000719220-26-000047 |
| Document: 0000719220-26-000047-index-headers.html | 0000719220-26-000047 |
| Document: 0000719220-26-000047-index.html | 0000719220-26-000047 |
| Document: 0000719220-26-000047.txt | 0000719220-26-000047 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.65 (−0.16%) |
Oct 22, 2026 5d ago | Press Release | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.65 (−0.16%) |
Oct 1, 2026 26d ago | Press Release | $49.01 | awaiting T+1 | — | $50.65 (+3.35%) |
Aug 5, 2026 11w ago | Press Release | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.65 (−3.71%) |
Aug 5, 2026 11w ago | 8-K | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.65 (−3.71%) |
Jul 23, 2026 13w ago | 8-K | $50.98 $51.79 | ▲ +1.59% | ▲ +1.49% | $50.65 (−0.65%) |
May 15, 2026 23w ago | 8-K | $43.30 $44.27 | ▲ +2.24% | ▲ +2.30% | $50.65 (+16.97%) |
May 4, 2026 25w ago | 8-K | $43.83 $44.77 | ▲ +2.14% | ▲ +1.35% | $50.65 (+15.56%) |
Apr 23, 2026 26w ago | 8-K | $43.54 $43.22 | ▼ −0.73% | ▼ −1.52% | $50.65 (+16.33%) |
Mar 30, 2026 30w ago | DEFA14A | $41.83 $42.28 | ▲ +1.08% | ▲ +0.33% | $50.65 (+21.09%) |
US Market Status
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