For the quarter ended March 2026, S&T Bancorp (STBA) reported revenue of $102.08 million, up 8.9% over the same period last year. EPS came in at $0.94, compared to $0.87 in the year-ago quarter.
The reported revenue represents a surprise of -1.26% over the Zacks Consensus Estimate of $103.39 million. With the consensus EPS estimate being $0.87, the EPS surprise was +8.05%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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): 55.2% compared to the 55.5% average estimate based on four analysts. Net interest margin (FTE) (non-GAAP): 3.9% compared to the 4% average estimate based on four analysts. Average interest-earning assets: $9.17 billion versus the four-analyst average estimate of $9.22 billion. Net loan charge-offs (recoveries) (annualized) / average loans: 0.1% compared to the 0.2% average estimate based on two analysts. Total Noninterest income: $13.64 million versus the four-analyst average estimate of $13.64 million. Debit and credit card: $4.28 million versus the three-analyst average estimate of $4.74 million. Net interest income (FTE) (non-GAAP): $89.03 million compared to the $90.36 million average estimate based on three analysts. Service charges on deposit accounts: $4.2 million compared to the $4.06 million average estimate based on two analysts. Net Interest Income: $88.44 million compared to the $90 million average estimate based on two analysts. Noninterest income- Other: $1.79 million compared to the $1.8 million average estimate based on two analysts.View all Key Company Metrics for S&T Bancorp here>>>
Shares of S&T Bancorp have returned +5.4% over the past month versus the Zacks S&P 500 composite's +9.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"
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S&T Bancorp, Inc. (STBA): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).