S&T Bancorp Inc (STBA) - Net Assets
Based on the latest financial reports, S&T Bancorp Inc (STBA) has net assets worth $1.43 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.94 Billion) and total liabilities ($8.51 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 STBA intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.43 Billion |
| % of Total Assets | 14.39% |
| 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. See STBA cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
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 grown by 1757.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.12 Billion | 76.53% |
| Common Stock | $103.62 Million | 7.08% |
| Other Comprehensive Income | $-41.71 Million | -2.85% |
| Other Components | $281.66 Million | 19.24% |
| 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 |
|---|---|
|
GIMV NV
BR:GIMB
|
$1.61 Billion |
|
nCino Inc
NASDAQ:NCNO
|
$1.61 Billion |
|
Palvella Therapeutics, Inc
NASDAQ:PVLA
|
$1.62 Billion |
|
Zhejiang Wanma Co Ltd
SHE:002276
|
$1.62 Billion |
|
E-Mart
KO:139480
|
$1.61 Billion |
|
Longwell Co
TWO:6290
|
$1.61 Billion |
|
OMH SCIENCE Group Co Ltd
SHE:300486
|
$1.61 Billion |
|
Guangzhou SiE Consulting Co Ltd
SHE:300687
|
$1.61 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.
- Dividend payments of 52,887,000 reduced retained earnings.
- Share repurchases of 37,946,000 reduced equity.
- Other comprehensive income increased equity by 35,285,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $134.23 Million | +9.17% |
| Dividends Paid | $52.89 Million | -3.61% |
| Share Repurchases | $37.95 Million | -2.59% |
| Other Comprehensive Income | $35.28 Million | +2.41% |
| Other Changes | $4.90 Million | +0.33% |
| 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: 1.22x
- 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 11.47x to 1.22x 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 | $46.55 | x |
| 1991-12-31 | $4.40 | $46.55 | x |
| 1992-12-31 | $4.86 | $46.55 | x |
| 1993-12-31 | $5.38 | $46.55 | x |
| 1994-12-31 | $6.28 | $46.55 | x |
| 1995-12-31 | $7.42 | $46.55 | x |
| 1996-12-31 | $10.21 | $46.55 | x |
| 1997-12-31 | $9.11 | $46.55 | x |
| 1998-12-31 | $9.22 | $46.55 | x |
| 1999-12-31 | $8.74 | $46.55 | x |
| 2000-12-31 | $10.23 | $46.55 | x |
| 2001-12-31 | $10.05 | $46.55 | x |
| 2002-12-31 | $11.40 | $46.55 | x |
| 2003-12-31 | $12.47 | $46.55 | x |
| 2004-12-31 | $13.04 | $46.55 | x |
| 2005-12-31 | $13.19 | $46.55 | x |
| 2006-12-31 | $13.10 | $46.55 | x |
| 2007-12-31 | $13.56 | $46.55 | x |
| 2008-12-31 | $17.01 | $46.55 | x |
| 2009-12-31 | $20.00 | $46.55 | x |
| 2010-12-31 | $20.70 | $46.55 | x |
| 2011-12-31 | $17.44 | $46.55 | x |
| 2012-12-31 | $18.08 | $46.55 | x |
| 2013-12-31 | $19.21 | $46.55 | x |
| 2014-12-31 | $20.42 | $46.55 | x |
| 2015-12-31 | $22.76 | $46.55 | x |
| 2016-12-31 | $24.12 | $46.55 | x |
| 2017-12-31 | $25.37 | $46.55 | x |
| 2018-12-31 | $26.76 | $46.55 | x |
| 2019-12-31 | $30.13 | $46.55 | x |
| 2020-12-31 | $29.55 | $46.55 | x |
| 2021-12-31 | $30.89 | $46.55 | x |
| 2022-12-31 | $30.35 | $46.55 | x |
| 2023-12-31 | $33.20 | $46.55 | x |
| 2024-12-31 | $35.83 | $46.55 | x |
| 2025-12-31 | $38.03 | $46.55 | 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: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| S&T Bancorp Inc (STBA) | $1.43 Billion | 11.39% | 5.95x | $1.61 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 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 businesses in Pennsylvania and Ohio. It accepts time and demand deposits; originates commercial and consumer loans; and cash management, brokerage, and trust services, as well as act as guardian of employee benefits. The company a… Read more