Monitor upcoming 10-Q for full income statement details and forward guidance on loan and deposit growth trends, as modest sequential declines in loans and deposits warrant attention.
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Executive Summary
S&T Bancorp filed an investor presentation for Q3 2026, reporting record EPS of $1.09 (up 19.8% YoY), net income of $38.6 million, and a net interest margin (FTE) of 4.06%. The presentation highlights strong asset quality with declining nonperforming assets and a $100 million share repurchase authorization, though loans and deposits declined modestly quarter-over-quarter.
Key Facts
- Record EPS of $1.09, up 6.9% from Q2 2026 and 19.8% from Q3 2025
- Net income of $38.6 million in Q3 2026
- Net interest margin (FTE) expanded 7 bps to 4.06%
- Efficiency ratio (FTE) improved to 53.23% from 55.52% in Q2 2026
- Nonperforming assets declined $3.7 million to $36.5 million (0.45% of loans plus OREO)
- Net loan charge-offs of $2.1 million (0.10% annualized of average loans)
- Loans declined $4.4 million (0.2% annualized) and deposits declined $22.2 million (1.1% annualized) quarter-over-quarter
- No share repurchases in Q3 2026; $100 million new share repurchase authorization in July 2026
- Since Q4 2025, repurchased 3,169,294 shares (8.3% of outstanding) at average price of $42.09 totaling $133.4 million
- Allowance for credit losses stable at 1.16% of total portfolio loans
Financial Impact
Record quarterly EPS of $1.09 on net income of $38.6 million; NIM expansion to 4.06%
Risk Factors
- Modest sequential declines in loans and deposits (0.2% and 1.1% annualized, respectively)
- Net unrealized loss of $76.2 million on securities portfolio
- Forward-looking statements subject to risks including interest rate sensitivity and credit losses
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000719220-26-000120 |
| Document: stba-20261103.htm | 0000719220-26-000120 |
| Document: 0000719220-26-000120-index-headers.html | 0000719220-26-000120 |
| Document: 0000719220-26-000120-index.html | 0000719220-26-000120 |
| Document: 0000719220-26-000120.txt | 0000719220-26-000120 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Nov 3, 2026 1d ago | 8-K | $51.27 | awaiting T+5 | awaiting T+5 | $51.27 (+0.00%) |
Oct 28, 2026 7d ago | 8-K | $51.09 | awaiting T+5 | awaiting T+5 | $51.27 (+0.35%) |
Oct 28, 2026 7d ago | Press Release | $51.09 | awaiting T+5 | awaiting T+5 | $51.27 (+0.35%) |
Oct 22, 2026 13d ago | 8-K | No price | awaiting T+5 | awaiting T+5 | No price |
Oct 22, 2026 13d ago | Press Release | $50.73 $51.09 | ▲ +0.71% | ▲ +0.00% | $51.27 (+1.06%) |
Oct 1, 2026 4w ago | Press Release | $49.01 | awaiting T+5 | awaiting T+5 | $51.27 (+4.61%) |
Aug 5, 2026 13w ago | Press Release | $52.60 $51.47 | ▼ −2.15% | ▼ −2.50% | $51.27 (−2.53%) |
Aug 5, 2026 13w ago | 8-K | $52.60 $51.47 | ▼ −2.15% | ▼ −2.50% | $51.27 (−2.53%) |
Jul 23, 2026 14w ago | 8-K | $50.98 $52.21 | ▲ +2.41% | ▲ +1.94% | $51.27 (+0.57%) |
May 15, 2026 24w ago | 8-K | $43.30 $44.86 | ▲ +3.60% | ▲ +2.64% | $51.27 (+18.41%) |
US Market Status
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