The consistent margin expansion, improving efficiency, and strong asset quality support the positive trajectory. Monitor the Dec 2026 quarter for continued NIM expansion and loan growth, as well as any resumption of share repurchases under the $100M authorization.
Price Chart
Executive Summary
S&T Bancorp reported record Q3 2026 diluted EPS of $1.09, in line with consensus, on net income of $38.6M (+10.4% YoY). Net interest margin expanded 7 bps to 4.06%, PPNR improved to 2.01%, and asset quality remained strong with NPAs declining to 0.45% of loans. The sequential and year-over-year earnings growth, margin expansion, and improving efficiency ratio (53.23%) reflect solid operating momentum for this regional bank.
Key Financial Metrics
Key Facts
- Record diluted EPS of $1.09, up 6.9% QoQ and 19.8% YoY
- Net income $38.6M vs $36.6M Q2 2026 and $35.0M Q3 2025
- Net interest margin (FTE) expanded 7 bps to 4.06%
- PPNR to average assets improved 12 bps to 2.01%
- Efficiency ratio (FTE) improved to 53.23% from 55.52% Q2 2026
- NPAs decreased to $36.5M, or 0.45% of loans plus OREO
- No share repurchases in Q3; $100M buyback authorization remains active
- All regulatory capital ratios well above well-capitalized thresholds
Financial Impact
Record EPS of $1.09 (+19.8% YoY) on net income of $38.6M (+10.4% YoY); NIM expanded 7 bps to 4.06%
Risk Factors
- Net charge-offs increased to 0.10% of avg loans from 0.05% Q2 2026
- Total portfolio loans decreased $4.4M QoQ due to lower line utilization
- Deposits declined $22.2M QoQ, partly seasonal
- Interest-bearing liability costs rose 3 bps to 2.53%
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000719220-26-000114 |
| Document: stba-20261022.htm | 0000719220-26-000114 |
| Document: 0000719220-26-000114-index-headers.html | 0000719220-26-000114 |
| Document: 0000719220-26-000114-index.html | 0000719220-26-000114 |
| Document: 0000719220-26-000114.txt | 0000719220-26-000114 |
| 8-K Data (Synthetic) | 0000719220-26-000114 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.78 (+0.10%) |
Oct 22, 2026 5d ago | Press Release | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.78 (+0.10%) |
Oct 1, 2026 25d ago | Press Release | $49.01 | awaiting T+1 | — | $50.78 (+3.61%) |
Aug 5, 2026 11w ago | Press Release | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.78 (−3.46%) |
Aug 5, 2026 11w ago | 8-K | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.78 (−3.46%) |
Jul 23, 2026 13w ago | 8-K | $50.98 $51.79 | ▲ +1.59% | ▲ +1.49% | $50.78 (−0.39%) |
May 15, 2026 23w ago | 8-K | $43.30 $44.27 | ▲ +2.24% | ▲ +2.30% | $50.78 (+17.27%) |
May 4, 2026 25w ago | 8-K | $43.83 $44.77 | ▲ +2.14% | ▲ +1.35% | $50.78 (+15.86%) |
Apr 23, 2026 26w ago | 8-K | $43.54 $43.22 | ▼ −0.73% | ▼ −1.52% | $50.78 (+16.63%) |
Mar 30, 2026 30w ago | DEFA14A | $41.83 $42.28 | ▲ +1.08% | ▲ +0.33% | $50.78 (+21.40%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers