S&T Bancorp, Inc. (STBA)

In the past six months, S&T Bancorp's stock has been influenced by the company reporting robust performance for Q4 and full year 2025, exceeding earnings and revenue projections, leading to a stock price increase. In January 2026, a new $100 million share repurchase program was authorized, and a dividend was declared. In Q3 2025, consumer loan growth was as expected, but commercial loan payouts were higher due to seasonal utilization reductions and credit exits. In January 2026, a limited waiver of the mandatory retirement age was approved for Jeffrey D. Grube.

The banking sector experiences seasonal trends in loan demand, with low points in January and February, increases in March, and peaks in August or September, before declining again until December. These fluctuations are primarily driven by changes in interest rates. S&T Bancorp has also noted modest seasonal utilization reductions in commercial loans during the third quarter.

S&T Bancorp, Inc. (STBA) is a bank holding company in the Financial Services sector, specifically in the Banks-Regional industry. The company's principal subsidiary, S&T Bank, offers retail and commercial banking products, cash management services, trust and brokerage services, and manages private investment accounts. Additionally, S&T Bancorp distributes insurance products, offers title insurance agency services, and acts as a reinsurer of credit life, accident, and health insurance policies. The company generates revenue from interest on loans and securities, as well as fees for its financial services.

Headquartered in Indiana, Pennsylvania, S&T Bancorp, Inc. primarily serves five markets: Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio, and Upstate New York. S&T Bank operates across Pennsylvania and Ohio and had approximately $9.5 billion in assets as of March 31, 2024.

S&T Bank was named to the Forbes America's Best Banks list for the second consecutive year in February 2025, highlighting its strong performance in 2024 across metrics measuring growth, credit quality, and profitability. No significant negative events impacting S&T Bancorp's brand reputation were identified in the past year.

Institutional investors are the primary owners of S&T Bancorp, Inc., holding a significant portion of the company’s stock, ranging from approximately 65.22% to 88%. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, Dimensional Fund Advisors Lp, IJR - iShares Core S&P Small-Cap ETF, State Street Corp, Charles Schwab Investment Management Inc, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, Geode Capital Management, Llc, IWM - iShares Russell 2000 ETF, and NAESX - Vanguard Small-Cap Index Fund Investor Shares. Retail investors also hold a notable share, comprising over a quarter of the ownership, around 25-27%. Insider transactions in the past year include buys by Jeffrey Grube, Peter Gurt, and Bhaskar Ramachandran, and sells by Christine J. Toretti.