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S&T Bancorp (STBA) Reports Q3 Earnings: What Key Metrics Have to Say
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S&T Bancorp (STBA - Free Report) reported $103 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 6.9%. EPS of $0.91 for the same period compares to $0.85 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $102.19 million, representing a surprise of +0.8%. The company delivered an EPS surprise of +7.06%, with the consensus EPS estimate being $0.85.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how S&T Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio (FTE): 54.4% versus the three-analyst average estimate of 56.2%.
Net interest margin (FTE) (non-GAAP): 3.9% compared to the 3.9% average estimate based on three analysts.
Average interest-earning assets: $9.1 billion versus the three-analyst average estimate of $9.16 billion.
Total Noninterest income: $13.76 million compared to the $13.81 million average estimate based on three analysts.
Net Interest Income: $89.24 million versus the two-analyst average estimate of $88.48 million.
Net interest income (FTE) (non-GAAP): $89.84 million versus the two-analyst average estimate of $89.89 million.
Debit and credit card: $4.72 million versus the two-analyst average estimate of $4.81 million.
Service charges on deposit accounts: $4.18 million versus the two-analyst average estimate of $4.09 million.
Wealth management: $3.12 million versus $3.04 million estimated by two analysts on average.
Noninterest income- Other: $1.75 million compared to the $1.91 million average estimate based on two analysts.
Shares of S&T Bancorp have returned -7.5% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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S&T Bancorp (STBA) Reports Q3 Earnings: What Key Metrics Have to Say
S&T Bancorp (STBA - Free Report) reported $103 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 6.9%. EPS of $0.91 for the same period compares to $0.85 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $102.19 million, representing a surprise of +0.8%. The company delivered an EPS surprise of +7.06%, with the consensus EPS estimate being $0.85.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how S&T Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for S&T Bancorp here>>>
Shares of S&T Bancorp have returned -7.5% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.