S&T Bancorp, Inc. (STBA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$50.64+1.06%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · STBA
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on organic growth by deepening customer relationships, expanding commercial and industrial loans, and increasing deposit growth through Treasury Management and digital offerings.
Stated as a priority in 4 of last 4 quarters. Total portfolio loans increased by $99.0 million from 2026-Q1 to 2026-Q2, and customer deposits grew $307.7 million year-to-date through 2026-Q2. CEO consistently emphasized disciplined execution of growth strategy with solid loan and deposit growth, indicating the company is delivering on this priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“CEO: 'We delivered another strong quarter driven by disciplined execution of our strategy... good loan growth, stable deposits...'”
“CEO: 'The first quarter delivered strong earnings performance, solid return metrics and robust deposit growth... commitment to our strategic priorities.'”
“CEO: 'We delivered another solid quarter with strong return metrics... improving revenue gains supported by net interest margin expansion.'”
“CEO: 'Consistent growth through further penetration of C&I in existing footprint with strategic expansion of CRE... drive deposit growth through Treasury Management.'”
Continue multi-year focus on credit risk management to keep net charge-offs low and reduce nonperforming assets.
Stated as a priority in 4 of last 4 quarters. Net charge-offs improved from $1.7 million in 2026-Q1 to $1.0 million in 2026-Q2, and nonperforming assets decreased by $9.7 million over the same period. Management consistently highlights disciplined credit risk management, and the financial data shows delivering progress on asset quality.
“CEO: 'Continued favorable asset quality... net charge-offs were only $1.0 million, or 0.05% of average loans, and NPAs decreased to 0.50%.'”
“CEO: 'Total NPAs remain at a manageable level... net charge-offs were $1.7 million, or 0.09% of average loans.'”
“CEO: 'Total NPAs remain at a manageable level... net charge-offs were $2.4 million, or 0.12% of average loans.'”
“CEO: 'Asset quality improvement reflects multi-year strategic focus... net charge-offs were $1.2 million, or 0.06% of average loans.'”
Maintain strong capital position to support growth, pursue selective acquisitions, and execute share repurchase programs.
Stated as a priority in 3 of last 3 quarters. The company repurchased 3,169,294 shares totaling $133.4 million over the past three quarters through 2026-Q2. A new $100 million share repurchase program was authorized in July 2026. Management is delivering on capital management through active share repurchases and maintaining strong capital ratios.
“Actively managing capital with 1,074,924 shares repurchased at an average price of $44.24 for $47.6 million.”
“Share repurchases of 1,146,100 common shares for $49.6 million.”
“Total share repurchases for 4Q25 and 1Q26 were 2,094,370 shares at an average price of $40.99 per share totaling $85.8 million.”
Focus on delivering consistent earnings growth and improving diluted earnings per share.
Stated as a priority in 3 of last 4 quarters. Diluted EPS grew from $0.83 in 2025-Q2 to $1.02 in 2026-Q2, reflecting consistent earnings growth. Management's statements on EPS growth align with the financial results, indicating delivery on this priority.
“Diluted earnings per share was $1.02 for 2Q26, an increase of $0.08, or 8.5%, compared to $0.94 for 1Q26.”
“Diluted earnings per share was $0.94 for 1Q26, an increase of $0.05, or 5.6%, compared to $0.89 for 4Q25.”
“Diluted earnings per share was $0.83 for 2Q25.”
Raise cash dividends per share to return value to shareholders with incremental increases over prior periods.
Stated as a priority in 2 quarters including a recent 8.82% dividend increase in August 2026. Dividend per share rose from $0.34 in 2025-Q2 to $0.37 in 2026-Q2. Management is delivering steady dividend growth consistent with stated capital allocation priorities.
“Dividends declared per share $0.36 in 1Q26, up from $0.34 in 1Q25.”
Over the trailing year it converted 1.05x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
16 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.