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S&T BANCORP INC

STBA · Financials · Bank · FY2025 filings ·

Scored by the financial-sector model

68FY2025 filing
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S&T BANCORP INC is a bank, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

Records still being gathered — partial as of retrieval Sep 18, 2026.

Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.

InsiderShares owned afterDateFiling detail
HIEB WILLIAM JDirectorOpen-market or private sale (S)Table I · Disposed · Common Stock11,979$51.3372$614,968See lot detailAug 12, 2026
24 filed lots
  • Table I · Common Stock: 500 shares at $51.30 · code S · owned after 24,663.347 ·
  • Table I · Common Stock: 100 shares at $51.31 · code S · owned after 24,563.347 ·
  • Table I · Common Stock: 1,285 shares at $51.32 · code S · owned after 23,278.347 ·
  • Table I · Common Stock: 200 shares at $51.325 · code S · owned after 23,078.347 ·
  • Table I · Common Stock: 507 shares at $51.33 · code S · owned after 22,571.347 ·
  • Table I · Common Stock: 905 shares at $51.34 · code S · owned after 21,666.347 ·
  • Table I · Common Stock: 500 shares at $51.345 · code S · owned after 21,166.347 ·
  • Table I · Common Stock: 260 shares at $51.35 · code S · owned after 20,906.347 ·
  • Table I · Common Stock: 695 shares at $51.36 · code S · owned after 20,211.347 ·
  • Table I · Common Stock: 1,300 shares at $51.38 · code S · owned after 18,911.347 ·
  • Table I · Common Stock: 100 shares at $51.385 · code S · owned after 18,811.347 ·
  • Table I · Common Stock: 355 shares at $51.39 · code S · owned after 18,456.347 ·
  • Table I · Common Stock: 100 shares at $51.40 · code S · owned after 18,356.347 ·
  • Table I · Common Stock: 300 shares at $51.415 · code S · owned after 18,056.347 ·
  • Table I · Common Stock: 607 shares at $51.42 · code S · owned after 17,449.347 ·
  • Table I · Common Stock: 100 shares at $51.425 · code S · owned after 17,349.347 ·
  • Table I · Common Stock: 5 shares at $51.43 · code S · owned after 17,344.347 ·
  • Table I · Common Stock: 1,290 shares at $51.40 · code S · owned after 28,033.347 ·
  • Table I · Common Stock: 1,385 shares at $51.25 · code S · owned after 26,648.347 ·
  • Table I · Common Stock: 925 shares at $51.26 · code S · owned after 25,723.347 ·
  • Table I · Common Stock: 57 shares at $51.265 · code S · owned after 25,666.347 ·
  • Table I · Common Stock: 400 shares at $51.275 · code S · owned after 25,266.347 ·
  • Table I · Common Stock: 3 shares at $51.28 · code S · owned after 25,263.347 ·
  • Table I · Common Stock: 100 shares at $51.295 · code S · owned after 25,163.347 ·
HIEB WILLIAM JDirectorOpen-market or private sale (S)Table I · Disposed · Common Stock5,310$51.2442$272,107See lot detailAug 11, 2026
3 filed lots
  • Table I · Common Stock: 1,832 shares at $51.18 · code S · owned after 32,801.347 ·
  • Table I · Common Stock: 1,905 shares at $51.26 · code S · owned after 30,896.347 ·
  • Table I · Common Stock: 1,573 shares at $51.30 · code S · owned after 29,323.347 ·

Source-event as of . Retrieved .

Flagship explainer

How S&T BANCORP INC. earns its spread

Start with net interest income, then follow the filed path to net income.

net interest incomeBranching filed flows with values and percentages directly labeled. Missing filing concepts are omitted rather than estimated.Net interest income$350M · 100%Income before tax$168M · 48%Income tax$33.7M · 10%Net income$134M · 38%As of 2025-12-31 · 1 SEC filing sourceBuy Like Buffett · buylikebuffett.com
Table alternative
Filed lineValue% of net interest incomeSource
$350M100%
Income before tax$168M48%
Income tax$33.7M10%
$134M38%
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026
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Flagship explainer

What S&T BANCORP INC. owns — and owes

S&T BANCORP INC.'s filing tags don't support a full breakdown — here's what is filed:

Table alternative
Filed lineValue% of assetsSource
Total assets$9.9B100%
Cash and equivalents$163M2%
Goodwill$373M4%
Deferred tax assets$50.6M1%
Operating lease right-of-use assets$38.1M0%
Total liabilities$8.4B85%
$165M2%
Stockholders’ equity$1.5B15%
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026

Flagship explainer

What drives S&T BANCORP INC.’s return on equity?

One or more filed inputs needed for the five-factor decomposition are unavailable.

DuPont source inputs
InputValueFiscal yearSource
Net income$134MFY2025
Income before tax$168MFY2025
Operating incomeUnavailableFY2025
RevenueUnavailableFY2025
Ending assets$9.9BFY2025
Beginning assets$9.7BFY2024
Ending equity$1.5BFY2025
Beginning equity$1.4BFY2024
Source:
  • SEC filingFiling detailsAccession 0000719220-26-000030
· event Dec 31, 2025 · retrieved Aug 3, 2026 · annual-row source set

Flagship explainer

Where S&T BANCORP INC.'s cash went

S&T BANCORP INC.’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:

Table alternative
Filed lineValue% of cash from operationsSource
Cash from operations$134M100%
Depreciation and amortization$10.4M8%
Share-based compensation$5.3M4%
Cash from investing−$315M−236%
Cash from financing$99.8M75%
Net change in cash−$81.4M−61%
Source: · event Dec 31, 2025 · retrieved Aug 3, 2026

Curated 19-manager tier

Who reported holding S&T BANCORP INC.

Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.

0 holding0 exited0 not holding0/19 resolved19 not retrieved

Named manager positions and quarter-over-quarter changes
ManagerReported positionQuarter-over-quarterFiling accession
Abrams CapitalNot retrievedComparison not retrievedFiling not retrieved
Akre CapitalNot retrievedComparison not retrievedFiling not retrieved
Baupost GroupNot retrievedComparison not retrievedFiling not retrieved
Berkshire HathawayNot retrievedComparison not retrievedFiling not retrieved
Brave Warrior AdvisorsNot retrievedComparison not retrievedFiling not retrieved
Dodge & CoxNot retrievedComparison not retrievedFiling not retrieved
First EagleNot retrievedComparison not retrievedFiling not retrieved
FundsmithNot retrievedComparison not retrievedFiling not retrieved
Gardner Russo & QuinnNot retrievedComparison not retrievedFiling not retrieved
Gates Foundation TrustNot retrievedComparison not retrievedFiling not retrieved
Mairs & PowerNot retrievedComparison not retrievedFiling not retrieved
Markel / Markel-GaynerNot retrievedComparison not retrievedFiling not retrieved
Oakmark / Harris AssociatesNot retrievedComparison not retrievedFiling not retrieved
Pershing SquareNot retrievedComparison not retrievedFiling not retrieved
Polen CapitalNot retrievedComparison not retrievedFiling not retrieved
Sequoia / Ruane CunniffNot retrievedComparison not retrievedFiling not retrieved
Southeastern Asset ManagementNot retrievedComparison not retrievedFiling not retrieved
Tweedy, BrowneNot retrievedComparison not retrievedFiling not retrieved
Yacktman Asset ManagementNot retrievedComparison not retrievedFiling not retrieved

Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.

Source: Filing source not retrieved · event Jun 30, 2026 · retrieved Aug 3, 2026

Flagship explainer

What S&T BANCORP INC. insiders reported

Records still being gathered — partial as of retrieval Sep 18, 2026.

Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.

What the financial-sector model scores (bank)

44

Median ROE 9.4% on average equity, above the 10% hurdle in 33% of 9 years.

80

Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.

82

Profitable in 100% of 10 years, ROE steady.

91

Net interest income is 3.28% of average assets, very steady over 9 years through FY2025.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Underwriting applies to insurance carriers; not part of the bank model.

Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202668
Jul 26, 202667
Jul 26, 202667

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.

Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell STBA. See the disclaimer.