S&T Bancorp(US:STBA) ZACKS·2026-01-21 15:16Core Viewpoint - Analysts forecast S&T Bancorp (STBA) will report quarterly earnings of $0.89 per share, reflecting a year-over-year increase of 3.5% and revenues of $103.95 million, an increase of 10.2% compared to the previous year [1] Earnings Estimates - Over the last 30 days, there has been no revision in the consensus EPS estimate for the quarter, indicating stability in analysts' forecasts [2] - Changes in earnings estimates are crucial for predicting investor reactions to the stock, with empirical research showing a strong correlation between earnings estimate revisions and short-term stock price performance [3] Key Metrics - Analysts project the 'Efficiency Ratio (FTE)' to reach 55.1%, down from 56.9% in the same quarter last year [5] - The 'Net interest margin (FTE) (non-GAAP)' is expected to be 3.9%, slightly up from 3.8% reported in the same quarter last year [5] - 'Average interest-earning assets' are projected to be $9.18 billion, an increase from $8.86 billion in the same quarter last year [6] - 'Total Noninterest income' is estimated at $13.86 million, up from $11.07 million in the same quarter last year [6] - 'Net interest income (FTE) (non-GAAP)' is expected to be $90.87 million, compared to $83.92 million in the same quarter last year [7] - 'Debit and credit card' income is projected to reach $4.88 million, up from $4.63 million in the same quarter last year [7] - 'Service charges on deposit accounts' are expected to be $4.10 million, down from $4.18 million in the same quarter last year [8] - 'Wealth management' is projected to reach $3.08 million, slightly down from $3.15 million in the same quarter last year [8] Stock Performance - S&T Bancorp shares have changed by -1.4% in the past month, compared to a -0.4% change in the Zacks S&P 500 composite [8] - With a Zacks Rank 3 (Hold), STBA is expected to closely follow overall market performance in the near term [8]