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.”

Indiana, US
Size (employees)
1,080 (est)+2%
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 Metrics

S&T Financial Metrics

S&T's revenue was reported to be $227.8 m in FY, 2016 which is a 12% increase from the previous period.

Revenue (FY, 2016)

$227.8 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

$203.3 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

$71.4 m

EBIT (FY, 2016)

$185.3 m

Market capitalization (22-May-2017)

$1.2 b

Closing share price (22-May-2017)

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


$153.8 m$160.5 m$203.5 m$227.8 m

Revenue growth, %


Cost of goods sold

$14.6 m$12.5 m$16 m$24.5 m

Gross profit

$139.2 m$148 m$187.6 m$203.3 m

Gross profit Margin, %


Operating expense total

$117.4 m$117.2 m$136.7 m$143.2 m


$65 m$75.4 m$91.5 m$185.3 m

EBIT margin, %


Pre tax profit

$65 m$75.4 m$91.5 m$96.7 m

Income tax expense

$14.4 m$14.6 m$7.3 m$14.5 m$17.5 m$24.4 m$25.3 m

Net Income

$50.5 m$57.9 m$67.1 m$71.4 m
Y, 2009Y, 2010Y, 2011Y, 2012Y, 2013Y, 2014Y, 2015FY, 2016


$69.2 m$108.2 m$270.5 m$337.7 m$108.4 m$109.6 m$99.4 m

Accounts Receivable



$36.6 m$38.2 m$49.1 m$45 m


$175.8 m$175.8 m$291.8 m$291.7 m

Total Assets

$4.5 b$5 b$6.3 b$6.9 b

Accounts Payable

Total Debt

$161.8 m$309.4 m$473 m$674.7 m

Additional Paid-in Capital

$78.1 m$78.8 m$210.5 m$213.1 m

Retained Earnings

$468.2 m$504.1 m$544.2 m$585.9 m

Total Equity

$571.3 m$792.2 m$842 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
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$50.5 m$57.9 m$67.1 m$71.4 m

Depreciation and Amortization

$5.3 m$4.7 m

Accounts Receivable


Accounts Payable

Cash From Operating Activities

$86.1 m$78.1 m$60.6 m$96.8 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 m$335 m$559.9 m

Interest Paid

$16.6 m$12.6 m$15.9 m$22.8 m

Income Taxes Paid

$13.1 m$18.1 m$23.2 m$26.7 m
Y, 2016


$213.5 k


0.8 x


0.1 x

Financial Leverage

8.2 x

S&T Market Value History

S&T Online Presence

S&T News

S&T Company Life

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