S&T Bancorp, Inc.

STBANASDAQFinancial Services● Active

$45.95

+$0.35(+0.77%)

Market Cap$1.7B

P/E Ratio—

52W High$46.27

52W Low$34.01

Avg Volume255K

Open$45.87

Beta0.85

Free Cash Flow Financials Revenue

S&T Bancorp, Inc. (STBA) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

STBA · free cash flow · updated Jun 8, 2026

Core FCF metrics

STBA · FCF · TTM · margin & CAGR

Free cash flow was $128.8M for FY2025 (fiscal year ending 2025-12-31), down 24.4% year-over-year The FCF margin was 22.7%. Five-year CAGR stands at +22.8%.

FY2025 Free Cash Flow$128.8M▼ -24.4% YoY

Trailing 12M (TTM)$147.9Mtrailing 4 quarters sum

FCF Margin22.7%$128.8M ÷ revenue

3-Year CAGR-18.3%FY2022 → FY2025

5-Year CAGR+22.8%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

STBA · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$133.6M(5M)$128.8M▼ 24.4%22.7%

FY2024$173.4M(3M)$170.4M▲ +2.9%30.2%

FY2023$171.7M(6M)$165.5M▼ 30.0%30.9%

FY2022$240.5M(4M)$236.6M▲ +12.0%59.3%

FY2021$214.9M(4M)$211.2M▲ +357.9%59.7%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

STBA · P/FCF · FCF yield · FCF per share

S&T Bancorp, Inc. (STBA) trades at a FCF yield of 8.94% and a price-to-free-cash-flow ratio of 12.0x. FCF per share stands at $3.83, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.94%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.83

TTM FCF ÷ Shares Outstanding

Price / FCF

x12.0

Share Price ÷ FCF per Share

EV / FCF (TTM)

x11.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

STBA · cash flow statement · operating / investing / financing

For FY2025, S&T Bancorp, Inc. generated $133.6M in operating cash flow and spent 5M in capital expenditures, yielding $128.8M in free cash flow.

Operating Activities

+$133.6M

Cash from core business operations

2025-12-31

Investing Activities

−$314.8M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$99.8M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($133.6M) − |CapEx| (5M) = FCF ($128.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

STBA vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

S&T Bancorp, Inc.YOU

STBA

$128.8M-24.4%22.7%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

S&T Bancorp, Inc. (STBA) reported free cash flow of $128.8M for FY2025 (fiscal year ending 2025-12-31), down 24.4% year-over-year. The FCF margin was 22.7%.

Based on available data, S&T Bancorp, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $236.6M in FY2022. The 5-year CAGR stands at +22.8%.

S&T Bancorp, Inc.'s FCF yield is 8.94% and price-to-FCF ratio is 12.0x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

STBA free cash flow · 8 questions

S&T Bancorp, Inc. free cash flow was $128.8M for FY2025, down 24.4% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $147.9M.

STBA free cash flowSTBA FCFSTBA FCF 2025STBA free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · S&T Bancorp, Inc. · S&T Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026