S&T Bancorp (STBA) reported $107.79 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 4.7%. EPS of $1.09 for the same period compares to $0.91 a year ago.
The reported revenue represents a surprise of +0.99% over the Zacks Consensus Estimate of $106.74 million. With the consensus EPS estimate being $0.99, the EPS surprise was +10.1%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how S&T Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio (FTE): 53.2% versus 54.8% estimated by five analysts on average. Net interest margin (FTE) (non-GAAP): 4.1% versus 4% estimated by five analysts on average. Average interest-earning assets: $9.19 billion compared to the $9.28 billion average estimate based on four analysts. Net loan charge-offs (annualized) / average loans: 0.1% versus the four-analyst average estimate of 0.2%. Total Noninterest income: $14.66 million versus the five-analyst average estimate of $14.19 million. Net Interest Income: $93.13 million versus $92.51 million estimated by three analysts on average. Net interest income (FTE) (non-GAAP): $93.72 million versus $93 million estimated by three analysts on average. Service charges on deposit accounts: $4.46 million versus the two-analyst average estimate of $4.17 million. Debit and credit card: $4.76 million compared to the $4.86 million average estimate based on two analysts. Investment services and trust: $3.73 million versus the two-analyst average estimate of $3.3 million. Noninterest income- Other: $1.72 million versus the two-analyst average estimate of $1.86 million.View all Key Company Metrics for S&T Bancorp here>>>
Shares of S&T Bancorp have returned -0.5% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.7 Best Stocks for the Next 30 Days
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S&T Bancorp, Inc. (STBA): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).