S&T Bancorp (S&T Bancorp) Net Margin %

: 35.91% (As of Dec. 2023)

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Net margin is calculated as Net Income divided by its Revenue. S&T Bancorp's Net Income for the three months ended in Dec. 2023 was $37.0 Mil. S&T Bancorp's Revenue for the three months ended in Dec. 2023 was $103.2 Mil. Therefore, S&T Bancorp's net margin for the quarter that ended in Dec. 2023 was 35.91%.

The historical rank and industry rank for S&T Bancorp's Net Margin % or its related term are showing as below:

STBA' s Net Margin % Range Over the Past 10 Years
Min: 6.2 Med: 31.09 Max: 37.39
Current: 35.57

STBA's Net Margin % is ranked better than
75.79% of 1462 companies
in the Banks industry
Industry Median: 25.505 vs STBA: 35.57

S&T Bancorp Net Margin % Historical Data

The historical data trend for S&T Bancorp's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

S&T Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

32.82

6.20

32.38

36.23

35.57

S&T Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																38.46	39.03	33.69	33.61	35.91

Competitive Comparison

For the Banks - Regional subindustry, S&T Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

S&T Bancorp Net Margin % Distribution

For the Banks industry and Financial Services sector, S&T Bancorp's Net Margin % distribution charts can be found below:

* The bar in red indicates where S&T Bancorp's Net Margin % falls into.

S&T Bancorp Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

S&T Bancorp's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	144.781	/	407.03
	=	35.57 %

S&T Bancorp's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	37.047	/	103.167
	=	35.91 %

S&T Bancorp (NAS:STBA) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

S&T Bancorp Net Margin % Related Terms

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S&T Bancorp (S&T Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » S&T Bancorp Inc (NAS:STBA) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

800 Philadelphia Street, Indiana, PA, USA, 15701

Website

https://www.stbancorp.com

S&T Bancorp Inc is a bank holding company. The company operates in five markets including Western Pennsylvania, Eastern Pennsylvania, Northeast Ohio, Central Ohio and Upstate New York. It has one reporting unit, Community Banking. The company provides financial services with retail and commercial banking products, cash management services, trust and brokerage services. The company earns revenue from interest on loans and securities and fees charged for financial services provided to its customers.

Executives

Adkins Lewis W Jr	director	800 PHILADELPHIA STREET, INDIANA PA 15701
Jeffrey D Grube	director	C/O S&T BANK ACCOUNTING DEPT, P O BOX 190, INDIANA PA 15701
Rachel Lynn Smydo	officer: Executive Vice President	800 PHILADELPHIA STREET, INDIANA PA 15701
James Arvo Michie	officer: Executive Vice President	800 PHILADELPHIA STREET, INDIANA PA 15701
William J Hieb	director	800 PHILADELPHIA STREET, INDIANA PA 15701
Susan A Nicholson	officer: Executive Vice President	800 PHILADELPHIA STREET, INDIANA PA 15701
Christopher J. Mccomish	director, officer: Chief Executive Officer	800 PHILADELPHIA STREET, INDIANA PA 15701
Peter Richard Barsz	director	800 PHILADELPHIA STREET, INDIANA PA 15701
James Thomas Gibson	director	C/O S&T BANK ACCOUNTING DEPT, 800 PHILADELPHIA ST, INDIANA PA 15701
Christina Anne Cassotis	director	800 PHILADELPHIA STREET, INDIANA PA 15701
Christine J Olson	director	C/O S&T BANK ACCOUNTING DEPT, 800 PHILADELPHIA ST, INDIANA PA 15701
David G Antolik	officer: EXECUTIVE VICE PRESIDENT	C/O S&T BANK ACCOUNTING DEPT, 800 PHILADELPHIA ST, INDIANA PA 15701
Jerry Delmar Hostetter	director	C/O S&T BANK ACCOUNTING DEPT, 800 PHILADELPHIA STREET, INDIANA PA 15701
Carroll Charles Benner Jr	officer: Executive Vice President	1500 NITTERHOUSE DRIVE, CHAMBERSBURG PA 17201
Brian Richard Dobis	officer: Executive Vice President	800 PHILADELPHIA STREET, INDIANA PA 15701