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S&T Bancorp (STBA) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · S&T Bancorp (STBA) Q3 2026 earnings results →
Q3 2026 Revenue up 5% year over year to $108M · 36¢ of every $1 of revenue kept as net profit · operating margin 45.2%
S&T Bancorp made $108M in Q3 2026 (+5% Y/Y): Net interest income $93.1M, Noninterest income $14.7M. Operating margin 45.2%, net earnings $38.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $107.8M in Q3 2026, up 5% year over year and up 2% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $3.9M year over year (up 4%), 81% of the total change.
Operating profit was $48.7M, a 45.2% margin (up 2.7 points year over year). Of the extra revenue versus a year earlier, 102% reached operating profit, above the 43% margin then. Total costs fell 0% while revenue rose 5%. Net earnings were $38.6M, up 10% year over year. The effective tax rate was 20.8%.
Operating cash flow was $67.9M (up 63% year over year), 176% of net earnings. Working capital and other items added $29.3M. Capital expenditures of $1.2M left free cash flow of $66.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $108M | +5% | 45.2% | $38.6M | $67.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About S&T Bancorp
S&T Bancorp, Inc. was incorporated on March 17, 1983 under the laws of the Commonwealth of Pennsylvania as a bank holding company and is registered with the Board of Governors of the Federal Reserve System, or the Federal Reserve Board, under the Bank Holding Company Act of 1956, as amended, or the BHCA, as a bank holding company and a financial holding company. S&T Bancorp, Inc. has four active direct wholly-owned subsidiaries including S&T Bank, 9th Street Holdings, Inc., STBA Capital Trust I and DNB Capital Trust II, and owns a 50 percent interest in Commonwealth Trust Credit Life Insurance Company, or CTCLIC. When used in this Report, “S&T,” “we,” “us” or “our” may refer to S&T Bancorp, Inc. individually, S&T Bancorp, Inc. and its consolidated subsidiaries or certain of S&T Bancorp, Inc.’s subsidiaries or affiliates, depending on the context.
In its own words, from its 10-K, filed Feb 27, 2026.
S&T Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +5% against the peers' median +10%. Operating margin: 45.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| STBA S&T Bancorp | Q3 2026 | $108M | +5% | 45.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: S&T Bancorp 10-Q on SEC EDGAR · CIK 719220 · State Commercial Banks
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History
Every quarter: Q3 2026 results