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S&T Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$66.7M in Q3 2026 · $169M over twelve months

Operating cash flow$67.9M
Capital spending−$1.2M
Free cash flow+$66.7M
Cash / net income1.8×

Analysis

In Q3 2026, S&T Bancorp generated $67.9M of operating cash flow and spent $1.2M on capital projects, leaving free cash flow of $66.7M. That is $25.6M more than in Q3 2025 ($41.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $173M; the largest uses were buybacks ($134M), other investing ($106M), dividends ($53.4M); besides operations, cash came from other financing ($170M); the cash balance fell by $4.0M.

Operating cash flow was $67.9M against net income of $38.6M — 1.8× profit, cash ran ahead of reported earnings.

Free cash flow

S&T Bancorp: free cash flow by quarterS&T Bancorp: free cash flow by quarter$53.8MQ4 2024$27.2MQ1 2025$27.1MQ2 2025$41.0MQ3 2025$33.5MQ4 2025$41.6MQ1 2026$27.0MQ2 2026$66.7MQ3 2026
Operating cash flow less capital spending.
S&T Bancorp: operating cash flow against capital spendingS&T Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$54.6M$858KQ4 2024$28.9M$1.7MQ1 2025$28.3M$1.2MQ2 2025$41.7M$604KQ3 2025$34.8M$1.2MQ4 2025$42.5M$969KQ1 2026$27.8M$847KQ2 2026$67.9M$1.2MQ3 2026
Latest (Q3 2026): Operating cash flow $67.9M, Capital spending $1.2M.

Capital allocation, year by year

S&T Bancorp: where the cash came from (up) and went (down), by fiscal yearS&T Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $215MFY2021: Net borrowing −$86.2MFY2021: Asset sales $14KFY2021: Capital spending −$3.6MFY2021: Dividends −$44.3M$215MFY2021FY2022: Operating cash flow $241MFY2022: Net borrowing −$7.8MFY2022: Asset sales $161KFY2022: Capital spending −$3.9MFY2022: Buybacks −$7.6MFY2022: Dividends −$47.0M$241MFY2022FY2023: Operating cash flow $172MFY2023: Net borrowing $19.5MFY2023: Asset sales $710KFY2023: Capital spending −$5.5MFY2023: Buybacks −$19.8MFY2023: Dividends −$49.7M$192MFY2023FY2024: Operating cash flow $173MFY2024: Net borrowing $11.5MFY2024: Asset sales $58KFY2024: Capital spending −$2.9MFY2024: Dividends −$51.0M$185MFY2024FY2025: Operating cash flow $134MFY2025: Net borrowing −$162KFY2025: Capital spending −$4.8MFY2025: Buybacks −$36.3MFY2025: Dividends −$52.9M$134MFY2025
Over these 5 years operating cash flow totalled $934M; the largest uses were dividends ($245M) and net borrowing ($94.2M). Cash-flow statements as filed.

Where the cash came from and went

S&T Bancorp: sources (+) and uses (−) of cash, Q3 2026S&T Bancorp: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$67.9MOther financing−$57.2MCash drawn (+) / kept (−)$25.6MNet borrowing (+) / repaid (−)−$25.0MDividends−$13.1MOther investing$3.0MCapital spending−$1.2M
S&T Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026S&T Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$173MOther financing$170MBuybacks−$134MOther investing−$106MDividends−$53.4MNet borrowing (+) / repaid (−)−$50.1MCapital spending−$4.3MCash drawn (+) / kept (−)$4.0M

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$67.9M−$1.2M—−$13.1M−$25.0M$25.6M$66.7M
Q2 2026$27.8M−$847K−$47.6M−$13.3M−$25.0M$121M$27.0M
Q1 2026$42.5M−$969K−$49.7M−$13.4M−$21K−$176M$41.6M
Q4 2025$34.8M−$1.2M−$36.3M−$13.6M−$21K$32.8M$33.5M
Q3 2025$41.7M−$604K—−$13.1M−$20K$6.9M$41.0M
Q2 2025$28.3M−$1.2M—−$13.2M−$20K$8.7M$27.1M
Q1 2025$28.9M−$1.7M—−$13.0M−$20K$33.0M$27.2M
Q4 2024$54.6M−$858K—−$13.0M−$13.1M−$16.7M$53.8M

S&T Bancorp: income statement and cash flow

S&T Bancorp, Q3 2026: revenue $108M (+5% year over year), operating margin 45.2%. The chart follows the revenue to costs, profit and cash.

S&T Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.