S&T Bank was founded in 1902 as “Savings & Trust Company of Indiana” with a single location in Indiana, Pa., and now in conjunction with Integrity Bank - a Division of S&T Bank, provides a full range of financial services to families and businesses throughout Pennsylvania, Ohio, and New York. Our mission is to build relationships with our customers based on mutual confidence, trust, and performance. We believe in establishing partnerships with a focus on longevity through strong customer service. We recognize your life is constantly evolving and we believe your bank should adapt to fit your lifestyle. That’s why we, here at S&T Bank, believe in “Relationship Banking, One Customer at a Time.”

Company Growth (employees)
Type
Public
HQ
Indiana, US
Founded
1902
Size (employees)
1,080 (est)
S&T was founded in 1902 and is headquartered in Indiana, US

S&T Office Locations

S&T has an office in Indiana
Indiana, US (HQ)
800 Philadelphia St

S&T Data and Metrics

S&T Financial Metrics

S&T's revenue was reported to be $74.1 m in Q1, 2017
USD

Revenue (Q1, 2017)

74.1 m

Gross profit (Q1, 2017)

66.9 m

Gross profit margin (Q1, 2017), %

90%

Net income (Q1, 2017)

18.2 m

EBIT (Q1, 2017)

48.7 m

Market capitalization (15-Aug-2017)

1.2 b
S&T's current market capitalization is $1.2 b.
USDFY, 2010FY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016

Revenue

153.8 m160.5 m203.5 m227.8 m

Revenue growth, %

4%27%12%

Cost of goods sold

14.6 m12.5 m16 m24.5 m

Gross profit

139.2 m148 m187.6 m203.3 m

Gross profit Margin, %

91%92%92%89%

Sales and marketing expense

3.7 m

R&D expense

9 m

Operating expense total

117.4 m117.2 m136.7 m143.2 m

EBIT

65 m75.4 m91.5 m185.3 m

EBIT margin, %

42%47%45%81%

Pre tax profit

65 m75.4 m91.5 m96.7 m

Income tax expense

14.4 m14.6 m7.3 m14.5 m17.5 m24.4 m25.3 m

Net Income

50.5 m57.9 m67.1 m71.4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

51.6 m52.5 m56 m66 m66.2 m70.8 m68.3 m71.3 m74.1 m

Cost of goods sold

3 m3.1 m3.7 m3.8 m4.1 m5.4 m6.1 m6.4 m7.3 m

Gross profit

48.6 m49.5 m52.3 m62.2 m62.1 m65.5 m62.2 m64.9 m66.9 m

Gross profit Margin, %

94%94%93%94%94%92%91%91%90%

Sales and marketing expense

960 k757 k816 k1.2 m895 k901 k1.1 m896 k754 k

R&D expense

2.2 m2.2 m2.3 m2.6 m2.5 m2.1 m2.7 m2.1 m2.3 m

Operating expense total

3.2 m2.9 m3.1 m3.7 m3.3 m3 m3.8 m3 m3 m

EBIT

38 m36.1 m39.1 m46.8 m46.4 m44.6 m44.9 m48.9 m48.7 m

EBIT margin, %

74%69%70%71%70%63%66%69%66%

Pre tax profit

19.6 m19.6 m17.5 m24.7 m25 m22 m22.6 m27.9 m24.9 m

Income tax expense

4.9 m4.9 m4.7 m6.5 m6.4 m5.9 m5.5 m7.4 m6.7 m

Net Income

28.8 m43.4 m12.8 m31 m49.7 m16.1 m33.2 m53.7 m18.2 m
USDY, 2009Y, 2010Y, 2011Y, 2012Y, 2013Y, 2014Y, 2015FY, 2016

Cash

69.2 m108.2 m270.5 m337.7 m108.4 m109.6 m99.4 m

PP&E

36.6 m38.2 m49.1 m45 m

Goodwill

175.8 m175.8 m291.8 m291.7 m

Total Assets

4.5 b5 b6.3 b6.9 b

Accounts Payable

5.3 b

Total Debt

161.8 m309.4 m473 m674.7 m

Total Liabilities

6.1 b

Additional Paid-in Capital

78.1 m78.8 m210.5 m213.1 m

Retained Earnings

468.2 m504.1 m544.2 m585.9 m

Total Equity

571.3 m792.2 m842 m

Debt to Equity Ratio

0.3 x0.6 x0.8 x

Debt to Assets Ratio

0 x0.1 x0.1 x0.1 x

Financial Leverage

7.9 x8 x8.2 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

PP&E

36.7 m37.2 m49.7 m49 m49.1 m48.4 m47 m47.1 m45.3 m

Goodwill

175.8 m175.8 m290.6 m291.2 m291.7 m291.7 m291.7 m291.7 m291.7 m

Total Assets

4.8 b4.9 b6 b6.1 b6.2 b6.5 b6.7 b6.7 b7.1 b

Accounts Payable

3.9 b3.9 b4.8 b4.9 b4.9 b5 b5.1 b5.1 b5.4 b

Additional Paid-in Capital

78.6 m78.8 m209.2 m209.7 m210.1 m211.3 m211.8 m212.4 m214.1 m

Retained Earnings

485.3 m494.9 m509.6 m521.1 m533.4 m551.2 m561.1 m575.2 m595.1 m

Total Equity

771.2 m787.8 m810.8 m825.1 m838.7 m855.2 m

Financial Leverage

8 x7.9 x8 x8.1 x8 x8.3 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

50.5 m57.9 m67.1 m71.4 m

Depreciation and Amortization

5.3 m4.7 m

Cash From Operating Activities

86.1 m78.1 m60.6 m96.8 m

Cash From Investing Activities

(309.7 m)(437 m)(405.7 m)(616.7 m)

Long-term Borrowings

(12.3 m)(2.4 m)(2.4 m)(102.3 m)

Cash From Financing Activities

(5.7 m)360.2 m335 m559.9 m

Interest Paid

16.6 m12.6 m15.9 m22.8 m

Income Taxes Paid

13.1 m18.1 m23.2 m26.7 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

28.8 m43.4 m12.8 m31 m49.7 m16.1 m33.2 m53.7 m18.2 m

Depreciation and Amortization

2.3 m3.5 m1.5 m388 k(6 k)906 k1.9 m2.9 m369 k

Cash From Operating Activities

43.8 m58.5 m19.3 m25.2 m61.6 m25.7 m44 m72.4 m30.3 m

Cash From Investing Activities

(240 m)(349.1 m)(43.7 m)(178.6 m)(303.5 m)(135.7 m)(358.4 m)(382.2 m)(166.5 m)

Long-term Borrowings

(1.2 m)(1.8 m)(605 k)(1.2 m)(1.8 m)(575 k)(101.2 m)(101.7 m)(595 k)

Cash From Financing Activities

218.1 m326.1 m39.6 m190.4 m247.6 m132.3 m310 m335.5 m101.4 m

Interest Paid

6.3 m9.6 m3.8 m7.6 m11.9 m4.5 m10.4 m16.8 m7.7 m

Income Taxes Paid

8.4 m12.9 m1.5 m9.3 m15.7 m1.8 m13.5 m18 m172 k
USDY, 2017

Revenue/Employee

68.7 k

Financial Leverage

8.3 x

S&T Market Value History

Traffic Overview of S&T

S&T Online and Social Media Presence

S&T News and Updates

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