S&T Bancorp (STBA) reported $105.29 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11.6%. EPS of $0.89 for the same period compares to $0.86 a year ago.
The reported revenue represents a surprise of +1.3% over the Zacks Consensus Estimate of $103.95 million. With the consensus EPS estimate being $0.89, the company has not delivered EPS surprise.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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% versus the three-analyst average estimate of 55.1%.
- Net interest margin (FTE) (non-GAAP): 4% versus 3.9% estimated by three analysts on average.
- Average interest-earning assets: $9.12 billion versus the three-analyst average estimate of $9.18 billion.
- Total Noninterest income: $14.33 million compared to the $13.86 million average estimate based on three analysts.
- Net Interest Income: $90.96 million versus the two-analyst average estimate of $90.16 million.
- Net interest income (FTE) (non-GAAP): $91.57 million versus the two-analyst average estimate of $90.87 million.
- Debit and credit card: $4.81 million compared to the $4.88 million average estimate based on two analysts.
- Service charges on deposit accounts: $4.21 million versus $4.1 million estimated by two analysts on average.
- Wealth management: $3.2 million versus $3.08 million estimated by two analysts on average.
- Noninterest income- Other: $2.12 million versus $1.89 million estimated by two analysts on average.
View all Key Company Metrics for S&T Bancorp here>>>
Shares of S&T Bancorp have returned +3.2% over the past month versus the Zacks S&P 500 composite's +0.7% 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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S&T Bancorp, Inc. (STBA): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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