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]

Core 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]