The record EPS and expanding NIM suggest continued operating momentum. Watch for forward guidance on loan growth and deposit costs in the upcoming conference call at 1:00 PM ET.
Price Chart
Executive Summary
S&T Bancorp reported Q3 2026 EPS of $1.09, a 10.6% beat vs consensus of $0.99, and net income of $38.6M (+10.3% QoQ). Revenue (net interest income + noninterest income) was $107.8M vs consensus $106.7M. The beat was driven by NIM expansion to 4.06% and strong fee income, with record EPS and ROA of 1.55%.
Key Financial Metrics
Key Facts
- Diluted EPS of $1.09 beat consensus of $0.99 by 10.6%
- Net income $38.6M vs $36.6M QoQ and $35.0M YoY
- Net interest margin (FTE) expanded 7 bps to 4.06%
- ROA 1.55%, ROE 10.84%, ROTE 14.81%
- Nonperforming assets decreased to $36.5M (0.45% of loans)
- No share repurchases in Q3; 8.3% of shares repurchased since Q4 2025 at avg $42.09
- Efficiency ratio improved to 53.23% from 55.52% QoQ
Financial Impact
EPS beat of $0.10 vs consensus; net income up 10.3% QoQ; NIM up 7 bps to 4.06%
Risk Factors
- Net charge-offs increased to $2.1M (0.10% of avg loans) from $1.0M (0.05%) QoQ
- Commercial loan balances declined slightly QoQ due to lower line utilization
- Deposits decreased $22.2M QoQ, with noninterest-bearing deposits down $32.6M
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-prn-302916262 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.90 (+0.34%) |
Oct 22, 2026 5d ago | Press Release | $50.73 $50.52 | ▼ −0.41% | ▲ +0.11% | $50.90 (+0.34%) |
Oct 1, 2026 26d ago | Press Release | $49.01 | awaiting T+1 | — | $50.90 (+3.86%) |
Aug 5, 2026 11w ago | Press Release | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.90 (−3.23%) |
Aug 5, 2026 11w ago | 8-K | $52.60 $51.65 | ▼ −1.81% | ▼ −1.65% | $50.90 (−3.23%) |
Jul 23, 2026 13w ago | 8-K | $50.98 $51.79 | ▲ +1.59% | ▲ +1.49% | $50.90 (−0.16%) |
May 15, 2026 23w ago | 8-K | $43.30 $44.27 | ▲ +2.24% | ▲ +2.30% | $50.90 (+17.55%) |
May 4, 2026 25w ago | 8-K | $43.83 $44.77 | ▲ +2.14% | ▲ +1.35% | $50.90 (+16.13%) |
Apr 23, 2026 26w ago | 8-K | $43.54 $43.22 | ▼ −0.73% | ▼ −1.52% | $50.90 (+16.90%) |
Mar 30, 2026 30w ago | DEFA14A | $41.83 $42.28 | ▲ +1.08% | ▲ +0.33% | $50.90 (+21.68%) |
US Market Status
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