S&T Bancorp Inc (STBA) - Net Assets
Based on the latest financial reports, S&T Bancorp Inc (STBA) has net assets worth $1.46 Billion USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.87 Billion) and total liabilities ($8.41 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are S&T Bancorp Inc's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.46 Billion |
| % of Total Assets | 14.83% |
| Annual Growth Rate | 8.25% |
| 5-Year Change | 21.34% |
| 10-Year Change | 73.87% |
| Growth Volatility | 10.92 |
S&T Bancorp Inc - Net Assets Trend (1990–2025)
This chart illustrates how S&T Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore S&T Bancorp Inc (STBA) total assets for the complete picture of this company's asset base.
Annual Net Assets for S&T Bancorp Inc (1990–2025)
The table below shows the annual net assets of S&T Bancorp Inc from 1990 to 2025. For live valuation and market cap data, see S&T Bancorp Inc market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.46 Billion | +6.06% |
| 2024-12-31 | $1.38 Billion | +7.55% |
| 2023-12-31 | $1.28 Billion | +8.34% |
| 2022-12-31 | $1.18 Billion | -1.81% |
| 2021-12-31 | $1.21 Billion | +4.48% |
| 2020-12-31 | $1.15 Billion | -3.13% |
| 2019-12-31 | $1.19 Billion | +27.38% |
| 2018-12-31 | $935.76 Million | +5.85% |
| 2017-12-31 | $884.03 Million | +5.00% |
| 2016-12-31 | $841.96 Million | +6.28% |
| 2015-12-31 | $792.24 Million | +30.22% |
| 2014-12-31 | $608.39 Million | +6.49% |
| 2013-12-31 | $571.31 Million | +6.30% |
| 2012-12-31 | $537.42 Million | +9.56% |
| 2011-12-31 | $490.53 Million | -15.23% |
| 2010-12-31 | $578.66 Million | +4.58% |
| 2009-12-31 | $553.32 Million | +23.32% |
| 2008-12-31 | $448.69 Million | +32.92% |
| 2007-12-31 | $337.56 Million | -0.44% |
| 2006-12-31 | $339.05 Million | -3.79% |
| 2005-12-31 | $352.42 Million | +0.94% |
| 2004-12-31 | $349.13 Million | +4.93% |
| 2003-12-31 | $332.72 Million | +8.69% |
| 2002-12-31 | $306.11 Million | +4.36% |
| 2001-12-31 | $293.33 Million | +5.86% |
| 2000-12-31 | $277.10 Million | +15.60% |
| 1999-12-31 | $239.70 Million | -7.67% |
| 1998-12-31 | $259.60 Million | -0.19% |
| 1997-12-31 | $260.10 Million | +15.04% |
| 1996-12-31 | $226.10 Million | +35.47% |
| 1995-12-31 | $166.90 Million | +17.87% |
| 1994-12-31 | $141.60 Million | +16.93% |
| 1993-12-31 | $121.10 Million | +11.20% |
| 1992-12-31 | $108.90 Million | +10.67% |
| 1991-12-31 | $98.40 Million | +7.78% |
| 1990-12-31 | $91.30 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to S&T Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $1.46 Billion | 100.00% |
| Total Equity | $1.46 Billion | 100.00% |
S&T Bancorp Inc Competitors by Market Cap
The table below lists competitors of S&T Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sobha Limited
NSE:SOBHA
|
$1.66 Billion |
|
SLC Agrícola S.A
SA:SLCE3
|
$1.66 Billion |
|
Poly Medicure Limited
NSE:POLYMED
|
$1.66 Billion |
|
Veritex Holdings Inc
NASDAQ:VBTX
|
$1.66 Billion |
|
PT Arkora Hydro Tbk
JK:ARKO
|
$1.66 Billion |
|
Eco World Develop Group
KLSE:8206
|
$1.66 Billion |
|
Cosmo Pharmaceuticals N.V
F:C43
|
$1.65 Billion |
|
Almonty Industries Inc. Common Shares
NASDAQ:ALM
|
$1.65 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in S&T Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,380,294,000 to 1,463,877,000, a change of 83,583,000 (6.1%).
- Net income of 134,230,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 76,992,000.
- Other factors decreased equity by 127,639,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $134.23 Million | +9.17% |
| Other Comprehensive Income | $76.99 Million | +5.26% |
| Other Changes | $-127.64 Million | -8.72% |
| Total Change | $- | 6.06% |
Book Value vs Market Value Analysis
This analysis compares S&T Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 10.92x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1990-12-31 | $4.06 | $44.28 | x |
| 1991-12-31 | $4.40 | $44.28 | x |
| 1992-12-31 | $4.86 | $44.28 | x |
| 1993-12-31 | $5.38 | $44.28 | x |
| 1994-12-31 | $6.28 | $44.28 | x |
| 1995-12-31 | $7.42 | $44.28 | x |
| 1996-12-31 | $10.21 | $44.28 | x |
| 1997-12-31 | $9.11 | $44.28 | x |
| 1998-12-31 | $9.22 | $44.28 | x |
| 1999-12-31 | $8.74 | $44.28 | x |
| 2000-12-31 | $10.23 | $44.28 | x |
| 2001-12-31 | $10.05 | $44.28 | x |
| 2002-12-31 | $11.40 | $44.28 | x |
| 2003-12-31 | $12.47 | $44.28 | x |
| 2004-12-31 | $13.04 | $44.28 | x |
| 2005-12-31 | $13.19 | $44.28 | x |
| 2006-12-31 | $13.10 | $44.28 | x |
| 2007-12-31 | $13.56 | $44.28 | x |
| 2008-12-31 | $17.01 | $44.28 | x |
| 2009-12-31 | $20.00 | $44.28 | x |
| 2010-12-31 | $20.70 | $44.28 | x |
| 2011-12-31 | $17.44 | $44.28 | x |
| 2012-12-31 | $18.08 | $44.28 | x |
| 2013-12-31 | $19.21 | $44.28 | x |
| 2014-12-31 | $20.42 | $44.28 | x |
| 2015-12-31 | $22.76 | $44.28 | x |
| 2016-12-31 | $24.12 | $44.28 | x |
| 2017-12-31 | $25.37 | $44.28 | x |
| 2018-12-31 | $26.76 | $44.28 | x |
| 2019-12-31 | $30.13 | $44.28 | x |
| 2020-12-31 | $29.55 | $44.28 | x |
| 2021-12-31 | $30.89 | $44.28 | x |
| 2022-12-31 | $30.35 | $44.28 | x |
| 2023-12-31 | $33.20 | $44.28 | x |
| 2024-12-31 | $35.83 | $44.28 | x |
| 2025-12-31 | $38.03 | $44.28 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently S&T Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.17%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.61%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 6.74x
- Recent ROE (9.17%) is below the historical average (11.60%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1990 | 11.39% | 12.73% | 0.10x | 9.01x | $1.27 Million |
| 1991 | 11.38% | 12.93% | 0.08x | 10.77x | $1.36 Million |
| 1992 | 13.13% | 14.97% | 0.09x | 10.16x | $3.41 Million |
| 1993 | 13.46% | 17.41% | 0.08x | 9.86x | $4.19 Million |
| 1994 | 12.99% | 18.47% | 0.08x | 9.14x | $4.24 Million |
| 1995 | 14.86% | 18.22% | 0.10x | 8.39x | $8.11 Million |
| 1996 | 12.47% | 19.52% | 0.08x | 7.90x | $5.59 Million |
| 1997 | 12.84% | 21.21% | 0.08x | 7.38x | $7.39 Million |
| 1998 | 14.64% | 21.60% | 0.08x | 7.97x | $12.04 Million |
| 1999 | 17.27% | 23.42% | 0.08x | 9.15x | $17.43 Million |
| 2000 | 16.23% | 22.67% | 0.09x | 8.34x | $17.26 Million |
| 2001 | 17.41% | 25.80% | 0.08x | 8.04x | $21.74 Million |
| 2002 | 15.88% | 26.44% | 0.07x | 9.22x | $17.99 Million |
| 2003 | 15.56% | 27.59% | 0.06x | 8.72x | $18.51 Million |
| 2004 | 15.57% | 29.73% | 0.06x | 8.56x | $19.45 Million |
| 2005 | 16.53% | 27.80% | 0.07x | 9.07x | $23.00 Million |
| 2006 | 15.73% | 21.76% | 0.07x | 9.85x | $19.43 Million |
| 2007 | 16.63% | 21.91% | 0.07x | 10.13x | $22.39 Million |
| 2008 | 13.42% | 23.74% | 0.06x | 9.89x | $15.33 Million |
| 2009 | 1.44% | 3.40% | 0.06x | 7.54x | $-47.38 Million |
| 2010 | 7.51% | 19.10% | 0.06x | 7.11x | $-14.39 Million |
| 2011 | 9.64% | 22.60% | 0.05x | 8.40x | $-1.79 Million |
| 2012 | 6.36% | 16.43% | 0.05x | 8.42x | $-19.54 Million |
| 2013 | 8.85% | 25.00% | 0.04x | 7.93x | $-6.59 Million |
| 2014 | 9.52% | 27.99% | 0.04x | 8.16x | $-2.93 Million |
| 2015 | 8.47% | 26.35% | 0.04x | 7.98x | $-12.14 Million |
| 2016 | 8.48% | 25.28% | 0.04x | 8.25x | $-12.80 Million |
| 2017 | 8.25% | 23.08% | 0.04x | 7.99x | $-15.44 Million |
| 2018 | 11.26% | 31.24% | 0.05x | 7.75x | $11.76 Million |
| 2019 | 8.24% | 26.33% | 0.04x | 7.35x | $-20.97 Million |
| 2020 | 1.82% | 5.53% | 0.04x | 7.77x | $-94.43 Million |
| 2021 | 9.15% | 31.17% | 0.04x | 7.86x | $-10.30 Million |
| 2022 | 11.44% | 33.96% | 0.04x | 7.69x | $17.05 Million |
| 2023 | 11.28% | 27.04% | 0.06x | 7.44x | $16.44 Million |
| 2024 | 9.51% | 23.23% | 0.06x | 7.00x | $-6.76 Million |
| 2025 | 9.17% | 23.61% | 0.06x | 6.74x | $-12.16 Million |
Industry Comparison
This section compares S&T Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| S&T Bancorp Inc (STBA) | $1.46 Billion | 11.39% | 5.74x | $1.66 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About S&T Bancorp Inc
S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services to consumer, commercial, and small business in Pennsylvania and Ohio. The company accepts time and demand deposits; offers commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian and custodian of employee benefi… Read more