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Here's What Key Metrics Tell Us About S&T Bancorp (STBA) Q2 Earnings

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For the quarter ended June 2026, S&T Bancorp (STBA - Free Report) reported revenue of $105.24 million, up 5.2% over the same period last year. EPS came in at $1.02, compared to $0.83 in the year-ago quarter.

The reported revenue represents a surprise of +0.67% over the Zacks Consensus Estimate of $104.54 million. With the consensus EPS estimate being $0.92, the EPS surprise was +10.87%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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): 55.5% versus 55.6% estimated by three analysts on average.
  • Net interest margin (FTE) (non-GAAP): 4% versus the three-analyst average estimate of 3.9%.
  • Average interest-earning assets: $9.15 billion versus the three-analyst average estimate of $9.27 billion.
  • Total Noninterest income: $14.86 million versus $13.89 million estimated by three analysts on average.
  • Net Interest Income: $90.38 million compared to the $90.7 million average estimate based on two analysts.
  • Net interest income (FTE) (non-GAAP): $90.96 million compared to the $90.86 million average estimate based on two analysts.
  • Debit and credit card: $4.7 million versus the two-analyst average estimate of $4.21 million.
  • Service charges on deposit accounts: $4.29 million versus the two-analyst average estimate of $4.12 million.
  • Investment services and trust: $3.56 million versus the two-analyst average estimate of $3.2 million.
  • Noninterest income- Other: $2.14 million versus $1.91 million estimated by two analysts on average.

View all Key Company Metrics for S&T Bancorp here>>>

Shares of S&T Bancorp have returned +2.1% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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