S&T Bancorp, Inc.
STBAFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeS&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small businesses in Pennsylvania and Ohio. Valued at $1.63B, STBA is a small-cap name in its sector. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits.
Market Cap
$1.63B
Beta
0.85
P/E (TTM)
12.74
P/E (Fwd)
11.86
EPS (TTM)
$3.56
EPS (Fwd)
$3.82
ROE
9.5%
ROA
1.4%
Cash
$372.0M
Total Debt
$185.4M
Free CF
—
52W Change
24.7%
Annual Financials
Cash vs Debt
S&T Bancorp, Inc. holds $372.0M in cash against $185.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 9.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.4% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $374.0M (2022) to $402.1M (2025).
With cash comfortably exceeding debt, STBA has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for S&T Bancorp, Inc. and its sector.