OakChart

S & T Bancorp Inc

STBAFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 12:25 PM ET

51.08-0.33 (-0.64%)
2026-11-11 18:25 CET
Market cap
1,813.06 USD m
Revenue, TTM
- USD m
Net income, TTM
144.28 USD m
Free cash flow, TTM
171.01 USD m
EPS diluted, TTM
3.94
P/E
12.97
Compare

Price

STBA against its 20, 50 and 200-day averages
2050200beat
40.0045.0050.00641K1.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26STBAclose 51.0820-day 50.5050-day 49.82200-day 46.8251.0852w high

4.7% under the 52-week high of 53.58 on 5 Nov 2026. 52-week low 36.95 on 17 Nov 2025. Last 15 sessions, 7.5% high to low

Profile

STBA
52-week range, 85% of the way up
36.9453.58

S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. It operates through the following segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The Commercial Real Estate segment includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The Commercial and Industrial segment focuses on the companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. The Commercial Construction segment refers to the finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment is made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards. The Consumer Real Estate segment offers first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The Other Consumer segment consists of individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. The company was founded on March 17, 1983 and is headquartered in Indiana, PA.

IndexRUT
Employees1209
IPOApr 21, 1992
Beta0.84
ATR, 14d1.22
Rel volume0.33
Short float7.15%
Insider own1.46%
Inst own74.99%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.80B
Enterprise Value-
Income144.28M
Sales574.63M
Book/sh39.91
Cash/sh-
Dividend Est.1.48 (2.89%)
Dividend TTM1.46 (2.86%)
Dividend Ex-DateNov 12, 2026
Dividend Gr. 3/5Y4.77% 4.26%
Payout39.27%
Employees1209
IPOApr 21, 1992

Ratios

P/E12.97
Forward P/E12.22
PEG1.85
P/S3.13
P/B1.28
P/C-
P/FCF10.53
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.04
Debt/Eq0.15
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)3.94
EPS next Y4.18
EPS next Q1.06
EPS this Y17.64%
EPS next Y1.84%
EPS next 5Y6.61%
EPS past 3/5Y0.50% 45.61%
Sales past 3/5Y12.48% 8.41%
EPS Y/Y TTM14.04%
Sales Y/Y TTM2.27%
EPS Q/Q19.84%
Sales Q/Q0.80%
EarningsOct 22 BMO
EPS/Sales Surpr.10.58% 1.01%

Ownership

Insider Own1.46%
Insider Trans-3.25%
Inst Own74.99%
Inst Trans-0.87%
ROA1.46%
ROE10.01%
ROIC9.90%
Gross Margin-
Oper. Margin31.44%
Profit Margin25.11%
SMA201.15%
SMA502.53%
SMA2009.09%
Trades-

Technical

Shs Outstand35.27M
Shs Float34.75M
Short Float7.15%
Short Ratio10.21
Short Interest2.48M
52W High53.58 -4.67%
52W Low36.94 38.26%
Volatility3.06% 2.28%
ATR (14)1.22
RSI (14)54.57
Beta0.84
Rel Volume0.33
Avg Volume243.15K
Volume38,035

Performance

Perf Week-2.07%
Perf Month6.23%
Perf Quarter-0.93%
Perf Half Y16.83%
Perf YTD29.81%
Perf Year30.07%
Perf 3Y90.60%
Perf 5Y56.93%
Perf 10Y46.44%
Recom2.71
Target Price54.17
Prev Close51.41
Price51.08
Change %-0.64%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 01, 2026ResumedRRaymond JamesMkt Perform
Jul 27, 2026ReiteratedHHovde GroupMarket Perform$47 → $54+5.7%
Feb 25, 2026InitiatedDDA DavidsonNeutral$47-8.0%
Feb 23, 2026ReiteratedHHovde GroupMarket Perform$44 → $47-8.0%
Jan 26, 2026UpgradeJJanneyNeutral → Buy
Jul 18, 2025InitiatedPPiper SandlerNeutral$42-17.8%
Jun 27, 2025InitiatedHHovde GroupMarket Perform$41-19.7%
Sep 29, 2022InitiatedJJanneyNeutral$32-37.4%
Jul 13, 2021ResumedKKeefe BruyetteMkt Perform$35-31.5%
Jan 11, 2021DowngradeDDA DavidsonBuy → Neutral$29-43.2%

Peers

Mkt cap
TickerCompanyMkt cap
FCFFirst Commonwealth Financial Corp2.04B
NWBINorthwest Bancshares Inc2.23B
FNBF.N.B. Corp6.37B
CCNECNB Financial Corp (PA)1.06B
PEBOPeoples Bancorp Inc (Marietta, OH)1.38B
UVSPUnivest Financial Corp1.11B
FMNBFarmers National Banc Corp917.60M
MPBMid Penn Bancorp Inc881.68M
CHCOCity Holding Co2.00B
FULTFulton Financial Corp4.53B

Insider trading

latest 14 of 21
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
HIEB WILLIAM JDirectorAug 12 '26Sale51.3411,979614,96817,344Aug 13 05:13 PM
HIEB WILLIAM JDirectorAug 11 '26Sale51.245,310272,10729,323Aug 13 05:13 PM
William J. HiebDirectorAug 11 '26Proposed Sale50.8710,689543,749Aug 10 03:23 PM
Nicholson Susan AExecutive Vice PresidentJul 29 '26Option Exercise52.9599052,4209,972Jul 31 01:39 PM
Adkins Lewis W JrDirectorMay 12 '26Option Exercise44.031,29056,79911,995May 14 03:57 PM
Cassotis Christina AnneDirectorMay 12 '26Option Exercise44.031,29056,79916,602May 14 03:55 PM
Doliveira Stephanie NycumDirectorMay 12 '26Option Exercise44.0381235,752812May 14 03:54 PM
DONNELLY MICHAEL JDirectorMay 12 '26Option Exercise44.031,29056,79923,374May 14 03:53 PM
GRUBE JEFFREY DDirectorMay 12 '26Option Exercise44.031,29056,79946,275May 14 03:51 PM
HIEB WILLIAM JDirectorMay 12 '26Option Exercise44.031,29056,79934,633May 14 03:48 PM
Ramachandran BhaskarDirectorMay 12 '26Option Exercise44.031,29056,7994,114May 14 03:46 PM
Lazzari Melanie AExecutive Vice PresidentApr 10 '26Option Exercise43.8151022,34315,973Apr 14 02:18 PM
Smydo Rachel LynnExecutive Vice PresidentApr 01 '26Option Exercise42.284,730199,98412,563Apr 03 03:17 PM
Yesho LaDawn DExecutive Vice PresidentApr 01 '26Option Exercise42.285,100215,62821,920Apr 03 03:14 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B

News

latest 14 of 204
  • S&T Bancorp, Inc. Increases Quarterly Cash Dividend (PR Newswire)
  • S&T Bancorp Posts Record EPS On Rate-Driven Margin Gains, But Stalled Loan Growth And A Guidance Cut Cloud The Outlook (Earnings Whispers)
  • S&T Bancorp: Q3 Earnings Snapshot (Associated Press)
  • S&T Bancorp, Inc. Announces Third Quarter 2026 Results (PR Newswire)
  • S&T BANK EARNS ABA FOUNDATION COMMUNITY COMMITMENT AWARD FOR SECOND CONSECUTIVE YEAR (PR Newswire)
  • Loading…
  • S&T Bancorp, Inc. to Host Third Quarter Earnings Conference Call and Webcast (PR Newswire)
  • S&T BANK RECOGNIZED WITH AMERICAN BANKERS ASSOCIATION MARKETING EXCELLENCE AWARD (PR Newswire)
  • S&T Bancorp, Inc. Declares Dividend (PR Newswire)
  • S&T Bancorp Inc (STBA) Q2 2026 Earnings Call Highlights: Strong Financial Performance and ... (GuruFocus.com)
  • S&T Bancorp, Inc. Announces Second Quarter 2026 Results (PR Newswire)
  • S&T Bancorp: Q2 Earnings Snapshot (Associated Press)
  • S&T Bancorp, Inc. Announces $100 Million Share Repurchase Program (PR Newswire)
  • S&T Bancorp Inc (STBA) Q2 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-221.0900.9861.090107.79106.727
2026Q22026-07-231.0200.9191.018105.24104.437
2026Q12026-04-230.9400.8670.943102.08103.547
2025Q42026-01-220.8900.8750.891105.29103.466
2025Q32025-10-230.9100.8580.906103102.976
2025Q22025-07-240.8300.8060.826100.0799.057
2025Q12025-04-240.8700.7480.87393.7596.405
2024Q42025-01-300.8600.7700.85794.3396.885
2024Q32024-10-170.8500.8120.84596.3598.895
2024Q22024-07-180.8900.7450.89296.9096.325
2024Q12024-04-180.8100.7840.81396.3195.785
2023Q42024-01-250.9600.8580.965103.1799.785
2023Q32023-10-190.8700.9060.87299.57101.55
2023Q22023-07-200.8900.8940.892102.31101.235
2023Q12023-04-201.0200.9441.020101.98104.035
2022Q42023-01-261.0300.9381.030104.7100.115

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.4702.2452.094281.2284.25
2018FY3.0103.0083.020283.62287.18
2019FY2.8202.7332.829299.35302.99
2020FY0.5300.4500.537339.11339.11
2021FY2.8102.8742.813340.72341
2022FY3.4603.3743.462374.04370.58
2023FY3.7403.6423.741407.03405.33
2024FY3.4103.3223.407383.89388.88
2025FY3.4903.4703.490402.12403.74
2026FY-4.106--424.68
2027FY-4.181--441.01
2028FY-4.229--452.99

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-30620108.88107.9109.3
2026Q4S2026-10-23620108.78107.9109.3
2026Q4S2026-10-22610108.36107109.3
2026Q4S2026-10-19600108.11107108.74
2026Q4S2026-10-07601108.11107108.74
2026Q4S2026-09-30631108.11107108.74
2026Q4S2026-09-21621107.99107108.74
2026Q4S2026-08-05621107.94107108.74
2026Q4S2026-07-24620108.17107109.7
2026Q4S2026-07-23600107.46105.9109.7
2026Q4S2026-07-19600107.39105.9109.7
2026Q4S2026-07-08601107.39105.9109.7
2026Q4S2026-07-07603107.39105.9109.7
2026Q4S2026-07-02605107.39105.9109.7

Estimate history

EPS, annual2.0943.022.8290.5372.8133.4623.7413.4073.5143.9372
Period201720182019202020212022202320242025TTM
EPS, quarterly0.8450.8570.8730.8260.9060.8910.9431.0181.086
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual316.046335.903372.824379.378355.212399.305536.082564.801568.213574.63
Period201720182019202020212022202320242025TTM
Sales, quarterly143.279138.95135.229142.36145.314145.31139.982142.865146.473
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual34.97234.68439.5639.29839.3513938.23338.25937.40335.267
Period201720182019202020212022202320242025MRQ
Shares, quarterly38.2638.25938.26138.34538.35137.40336.2635.26535.267
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income517.26516.49515.87477.90340.75289.26320.46320.48289.83
Total Interest Expense154.35166.39181.07128.4924.9713.1541.0873.6955.39
Net Interest Income362.91350.10334.81349.41315.78276.11279.39246.79234.44
Loan Loss Provision9.557.420.1317.898.3716.21131.4214.8714.99
Net Interest Income After Loan Loss Provision353.36342.67334.67331.52307.42259.90147.96231.92219.44
Non-Interest Income57.3751.7248.9358.1858.5565.9558.9152.3446.08
Non-Interest Expense230.06226.46218.78210.90197.04190.18183.50155.55144.21
Operating Income180.67167.94164.82178.80168.93135.6723.38128.71121.31
Unusual Expense0.000.000.000.000.000.002.3411.350.00
Net Income Before Taxes180.67167.94164.82178.80168.93135.6721.04117.36123.18
Income Taxes36.3833.7133.5534.0233.4125.32-0.0019.1317.84
Consolidated Net Income144.28134.23131.25144.62135.14109.8520.9797.97105.03
Net Income From Continuing Operations144.28134.23131.25144.62135.14109.8520.9797.97105.03
Net Income144.28134.23131.25144.62135.14109.8520.9797.97105.03
EPS (Recurring)4.063.513.413.743.462.810.583.063.02
EPS (Basic, Before Extraordinaries)3.973.513.433.763.472.810.542.833.02
EPS (Diluted)3.943.513.413.743.462.810.542.833.02
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.001.87
Other After Tax Adjustments0.000.00-0.01-0.16-0.38-0.49-0.07-0.26-0.30
Stock Option Compensation Expense4.124.223.652.752.521.770.531.782.40
Price To Earnings Ratio13.0613.0610.878.7611.3911.2247.0314.2612.53
Price To Sales Ratio2.992.652.612.413.343.472.563.743.93
Operating Margin31.4429.5629.1833.3542.3138.196.1634.5236.11
Net Margin25.1123.6223.2426.9833.8430.935.5326.2831.27
Shares Outstanding35.2737.4038.2638.2339.0039.3539.3039.5634.68
Market Capitalization1,813.061,813.061,462.291,277.811,333.141,240.32976.481,592.941,324.66

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income131.75128.06126.33131.11131.62128.91124.85127.88
Total Interest Expense38.6237.6837.9040.1542.3842.3341.5244.62
Net Interest Income93.1390.3888.4490.9689.2486.5783.3283.26
Loan Loss Provision1.411.111.335.702.791.97-3.04-2.46
Net Interest Income After Loan Loss Provision91.7289.2787.1185.2686.4584.6086.3685.72
Non-Interest Income14.7214.8113.6514.2013.6913.4510.3811.07
Non-Interest Expense57.7058.6156.7157.0456.3058.0755.0455.45
Operating Income48.7445.4644.0442.4243.8439.9841.7041.35
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes48.7445.4644.0442.4243.8439.9841.7041.35
Income Taxes10.148.828.978.458.878.088.308.28
Consolidated Net Income38.6036.6435.0733.9734.9631.9033.4033.06
Net Income From Continuing Operations38.6036.6435.0733.9734.9631.9033.4033.06
Net Income38.6036.6435.0733.9734.9631.9033.4033.06
EPS (Recurring)1.091.020.940.890.910.830.870.86
EPS (Basic, Before Extraordinaries)1.091.030.950.900.910.830.870.86
EPS (Diluted)1.091.020.940.890.910.830.870.86
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.111.110.881.030.811.520.860.82
Price To Earnings Ratio13.0613.7711.9711.3711.0510.9110.8710.87
Price To Sales Ratio2.993.082.712.642.582.612.532.61
Operating Margin33.2831.8231.4629.1930.1728.0930.8429.76
Net Margin26.3625.6525.0523.3824.0622.4124.7023.80
Shares Outstanding35.2735.2636.2637.4038.3538.3538.2638.26
Market Capitalization1,813.061,765.751,528.831,504.061,441.431,449.651,417.571,462.29

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks57.1569.2172.8171.8665.0270.7673.3372.7555.19
Investments1,180.441,279.891,219.451,247.431,812.961,045.37962.98805.23797.31
Net Loans7,978.787,641.467,545.387,082.636,901.417,108.257,074.935,885.655,705.06
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets-0.010.073.0613.312.153.523.090.47
Net Property, Plant & Equipment81.9385.3691.1192.3796.70101.86104.6341.7342.70
Interest Receivables0.002.035.366.3137.3677.940.000.000.00
Deferred Tax Assets50.5861.5666.8274.5947.5651.9538.8828.5427.88
Other Intangible Assets540.45537.93572.09555.29541.60543.37532.06426.56438.95
Total Assets9,889.339,677.469,573.089,133.559,515.939,001.668,790.337,263.567,067.56
Total Deposits7,958.837,783.127,521.777,219.977,996.527,420.547,036.585,673.925,427.89
Total Debt310.95250.31552.34488.89211.38279.88468.86604.32683.08
Long Term Debt90.85100.3194.09113.50114.49133.67135.9878.4090.42
Provision for Risks Charges3.515.896.858.205.194.505.978.6621.71
Deferred Tax Liabilities18.3419.4921.5522.9927.4033.7625.6811.347.30
Other Liabilities133.81238.36187.12208.8568.98108.2761.2429.5643.54
Total Liabilities8,425.458,297.178,289.637,948.898,309.477,846.957,598.336,327.806,183.53
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity1,463.881,380.291,283.441,184.661,206.451,154.711,192.00935.76884.03
Total Shareholders Equity1,463.881,380.291,283.441,184.661,206.451,154.711,192.00935.76884.03
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity1,463.881,380.291,283.441,184.661,206.451,154.711,192.00935.76884.03
Total Liabilities & Stockholders Equity9,889.339,677.469,573.089,133.559,515.939,001.668,790.337,263.567,067.56
Book Value Per Share39.1436.0833.5730.3830.6629.3830.1326.9825.28
Tangible Book Value Per Share29.0926.2423.7020.6620.9919.6620.4618.6216.83
Tier 1 Capital1,154.741,112.131,034.83967.71889.78825.51854.15689.78628.88
Tier 2 Capital123.74118.37119.55111.1997.64119.1799.9588.1484.18
Full-Time Employees1,2091,2061,2441,1821,1601,1741,2011,0401,080
Price to Book Ratio1.291.061.041.161.030.851.341.401.57
Return on Assets1.371.361.551.451.190.241.221.471.04
Return on Equity9.449.8511.7211.309.301.799.2111.548.43
Return on Invested Capital8.638.8610.5010.418.321.637.3810.367.46
Current Ratio0.030.050.040.040.120.040.030.030.02

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-156.44157.55175.25154.75139.47151.36122.78109.54
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital--21.9215.60-3.4582.9551.41-93.8216.1814.82
Cash from Operating Activities175.29134.52173.15171.81237.70190.8957.54138.97124.37
Capital Expenditures-4.28-4.77-2.94-6.22-3.86-3.61-5.42-5.15-4.17
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.710.160.010.0263.834.67
Purchase or Sale of Investments-17.3838.08-17.4155.18-197.21-166.7928.5722.37-2.76
Purchase of Investments-188.45-142.39-313.55-99.58-401.05-313.62-178.39-129.97-92.60
Sale Or Maturity of Investments171.07180.47296.14154.76203.85146.82206.96152.3589.83
Other Uses-2.52-6.06-11.48-12.380.000.000.000.000.00
Other Sources0.361.741.001.700.210.350.000.000.00
Cash from Investing Activities-112.41-315.70-118.07-444.27-395.8537.20-165.19-211.10-198.31
Cash Dividends Paid-53.39-52.89-50.97-49.71-46.95-44.33-43.95-37.36-34.54
Change in Capital Stock-135.36-37.95-0.87-20.61-8.45-0.63-13.15-19.31-20.57
Repurchase of Common Pref Stock-135.36-37.95-0.87-20.61-8.45-0.63-13.15-19.14-20.57
Sale of Common Pref Stock0.000.000.000.000.000.000.00-0.180.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.00-0.180.00
Issuance or Reduction of Debt, Net-20.0914.92-253.3864.54277.82-66.67-188.23-224.43-78.77
Change in Long Term Debt-50.09-0.0811.6219.54-7.69-11.00-27.19-25.9423.01
Issuance of Long Term Debt0.000.0050.0025.000.000.000.0010.0025.00
Reduction of Long Term Debt-50.09-0.08-38.38-5.46-7.69-11.00-27.19-35.94-1.99
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.00--0.000.000.000.000.00
Cash from Financing Activities-66.8899.80-43.87296.07-554.05464.46139.49114.47112.28
Net Change in Cash-4.00-81.3811.2123.60-712.21692.5531.8442.3338.34
Free Cash Flow171.01129.75170.21165.59233.84187.2852.13133.81120.19
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow14.6219.5512.3511.157.148.61118.6914.4615.41
Federal Home Loan Advances Increase (Decrease)--0.809.85-2.05-13.523.519.956.62-0.17

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks64.4571.4462.6557.1573.9788.51
Investments1,206.931,249.551,331.291,180.441,221.061,229.63
Net Loans7,960.777,965.077,866.117,978.787,882.857,835.85
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment42.4742.7343.3881.9344.1545.02
Interest Receivables36.6035.8035.600.0036.200.60
Deferred Tax Assets---50.58--
Other Intangible Assets578.24579.43604.97540.45559.25610.45
Total Assets9,889.499,944.019,944.009,889.339,817.489,810.07
Total Deposits8,063.898,086.088,185.227,958.837,921.947,920.92
Total Debt215.27275.28150.29310.95235.30250.30
Long Term Debt50.2775.28100.2990.85100.30100.30
Provision for Risks Charges2.383.150.003.510.000.00
Deferred Tax Liabilities---18.34--
Other Liabilities200.61175.68177.82133.81184.78193.35
Total Liabilities8,482.168,540.208,513.328,425.458,342.028,364.58
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,407.331,403.821,430.681,463.881,475.471,445.49
Total Shareholders Equity1,407.331,403.821,430.681,463.881,475.471,445.49
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,407.331,403.821,430.681,463.881,475.471,445.49
Total Liabilities & Stockholders Equity9,889.499,944.019,944.009,889.339,817.489,810.07
Book Value Per Share39.9139.8139.4639.1438.4737.70
Tangible Book Value Per Share29.2729.1729.1029.0928.6727.89
Tier 1 Capital1,129.211,102.241,127.101,154.741,169.681,146.79
Tier 2 Capital123.54123.79122.26123.74122.20121.27
Full-Time Employees---1,209--
Price to Book Ratio1.291.241.071.021.001.02
Return on Assets1.461.421.381.371.371.35
Return on Equity10.019.879.549.449.359.47
Return on Invested Capital2.652.482.292.182.222.06
Current Ratio0.040.050.070.030.050.04

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Extraordinary Item0.000.000.000.000.000.00
Cash from Operating Activities67.9027.8142.5237.0540.4928.28
Capital Expenditures-1.21-0.85-0.97-1.25-0.60-1.19
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-1.45-5.97-28.6018.6528.59-0.81
Purchase of Investments-29.84-76.35-62.78-19.48-9.27-28.59
Sale Or Maturity of Investments28.3970.3834.1738.1337.8627.77
Other Uses-0.37-0.41-0.89-0.85-1.24-1.94
Other Sources0.000.000.000.361.160.00
Cash from Investing Activities1.82-112.2384.80-86.80-20.19-105.30
Cash Dividends Paid-13.06-13.34-13.36-13.63-13.06-13.18
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-0.05-49.32-49.71-36.28-0.13-1.50
Repurchase of Common Pref Stock-0.05-49.32-49.71-36.28-0.13-1.50
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-60.02124.98-115.0229.98-15.0254.98
Change in Long Term Debt-25.02-25.02-0.02-0.02-0.02-0.02
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-25.02-25.02-0.02-0.02-0.02-0.02
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-95.32-36.8148.3016.95-27.1868.30
Net Change in Cash-25.60-121.24175.62-32.79-6.89-8.72
Free Cash Flow66.6926.9641.5635.8139.8827.09
Price to Free Cash Flow14.6219.4617.0719.5215.2117.66

Revenue breakdown

United States2024: 383.89M 2025: 402.12M
Total State Commercial Banks revenue2024: 383.89M 2025: 402.12M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-307.15%2.5M34.8M245.81K
2026-10-156.86%2.4M34.8M263.70K
2026-09-306.93%2.4M34.8M265.64K
2026-09-156.17%2.1M34.8M259.31K
2026-08-315.79%2.0M34.8M261.25K
2026-08-146.31%2.2M34.8M265.34K
2026-07-316.05%2.1M34.7M276.44K
2026-07-155.58%2.0M35.5M259.24K
2026-06-305.20%1.8M35.5M251.10K
2026-06-154.97%1.8M35.5M252.33K
2026-05-294.77%1.7M35.5M259.84K
2026-05-154.17%1.5M35.5M269.76K
2026-04-303.84%1.4M36.1M257.39K
2026-04-153.66%1.3M36.1M258.50K
2026-03-313.53%1.3M36.1M249.34K
2026-03-133.41%1.2M36.1M226.27K
2026-02-273.06%1.1M36.1M211.09K
2026-02-132.62%1.0M37.7M201.60K
2026-01-302.13%0.8M37.7M198.02K
2026-01-151.86%0.7M37.7M187.43K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call30.0018.5023.400.003.8210.000.000.970-0.0580.005
call35.0013.5018.400.003.0000.000.000.960-0.0550.007
call40.008.5013.400.002.2710.000.000.765-0.4640.025
call45.003.508.400.001.5910.000.000.696-0.3990.028
call50.000.005.000.001.4080.000.000.583-0.2810.031
call55.000.005.000.352.0532.000.000.465-0.3480.032
call60.000.005.000.002.5390.000.000.419-0.4420.031
call65.000.005.000.002.9390.000.000.385-0.5000.031
call70.000.001.150.00-0.000.00---
call75.000.005.000.002.0660.000.000.153-0.2180.019
put30.000.005.000.001.9550.000.00-0.030-0.0580.005
put35.000.000.200.00-0.000.00---
put40.000.005.000.003.4010.000.00-0.234-0.4640.025
put45.000.005.000.432.5682.000.00-0.303-0.3980.028
put50.000.005.000.001.7520.000.00-0.416-0.2800.031
put55.002.856.500.001.4620.000.00-0.531-0.3430.032
put60.007.4012.000.001.7280.000.00-0.581-0.4390.031
put65.0012.2017.000.002.0980.000.00-0.615-0.4960.031
put70.0017.9021.500.002.6390.000.00-0.831-0.1970.020
put75.0022.5027.000.002.6910.000.00-0.846-0.2120.019

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-288-KCurrent report2026-10-28SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-09-30N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-1213F-NTFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-07SCHEDULE 13GSEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-058-KCurrent report2026-08-05SEC
2026-07-314Statement of changes in beneficial ownership of securities2026-07-29SEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-238-KCurrent report2026-07-22SEC
2026-06-2611-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-05-158-KCurrent report2026-05-12SEC
2026-05-158-K/A2025-10-29SEC
2026-05-158-KCurrent report2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-12SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0800887.08K2
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.33%
VANGUARD PORTFOLIO MANAGEMENT LLC6.66%
DIMENSIONAL FUND ADVISORS LP6.61%
STATE STREET CORP5.20%
VANGUARD CAPITAL MANAGEMENT LLC4.50%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.87%
GEODE CAPITAL MANAGEMENT, LLC2.97%
AMERICAN CENTURY COMPANIES INC1.86%
BANK OF AMERICA CORP /DE/1.65%
TWO SIGMA INVESTMENTS, LP1.39%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF6.02%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.17%
Schwab U.S. Dividend Equity ETF2.78%
iShares Russell 2000 ETF2.54%
VANGUARD SMALL-CAP INDEX FUND2.29%
VANGUARD SMALL-CAP VALUE INDEX FUND1.45%
Avantis U.S. Small Cap Value ETF1.44%
U.S. SMALL CAP VALUE PORTFOLIO1.42%
Fidelity Small Cap Index Fund1.15%
VANGUARD EXTENDED MARKET INDEX FUND1.15%

OakChart. STBA. Cached 15 minutes.