S&T Bancorp (STBA) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - S&T Bancorp reported revenue of $105.29 million for Q4 2025, marking an 11.6% year-over-year increase and a 1.3% surprise over the Zacks Consensus Estimate of $103.95 million [1] - The company's EPS for the quarter was $0.89, unchanged from the consensus estimate, compared to $0.86 a year ago [1] Financial Performance Metrics - Efficiency Ratio (FTE) was reported at 54%, better than the average estimate of 55.1% from three analysts [4] - Net interest margin (FTE) (non-GAAP) was 4%, exceeding the average estimate of 3.9% from three analysts [4] - Average interest-earning assets totaled $9.12 billion, slightly below the average estimate of $9.18 billion from three analysts [4] - Total Noninterest income reached $14.33 million, surpassing the average estimate of $13.86 million based on three analysts [4] - Net Interest Income was reported at $90.96 million, above the average estimate of $90.16 million from two analysts [4] - Net interest income (FTE) (non-GAAP) was $91.57 million, exceeding the average estimate of $90.87 million from two analysts [4] - Debit and credit card income was $4.81 million, slightly below the average estimate of $4.88 million from two analysts [4] - Service charges on deposit accounts were $4.21 million, above the average estimate of $4.1 million from two analysts [4] - Wealth management income was $3.2 million, exceeding the average estimate of $3.08 million from two analysts [4] - Noninterest income from other sources was $2.12 million, surpassing the average estimate of $1.89 million from two analysts [4] Stock Performance - S&T Bancorp shares have returned +3.2% over the past month, outperforming the Zacks S&P 500 composite's +0.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]