STBA Earnings Prediction
The chart below shows how STBA performed 10 days before and after its earnings report, based on data from the past quarters. Typically, STBA sees a -3.14% change in stock price 10 days leading up to the earnings, and a +2.62% change 10 days following the report. On the earnings day itself, the stock moves by -0.58%. This data can give you a slight idea of what to expect for the next quarter's release.
STBA Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
87.28M
-5.73%
-2.56%
Gross Margin
--
--
--
Operating Margin
47.37%
-4.71%
2.38%
Net Margin
37.88%
-5.32%
4.12%
EPS
0.86
-10.42%
1.18%
No Data Available
STBA Earnings Analysis
S&T Bancorp Inc Corporation (STBA.O) Earnings Conference Call
Positive
Q4 Net Income Performance: S&T Bancorp achieved a net income of $33 million in Q4, translating to earnings of $0.86 per share, reflecting a strong return on tangible common equity (ROTCE) of 13.25%.
Customer Deposit Growth: Customer deposit growth exceeded $75 million in Q4, resulting in over 4% annualized growth and marking the sixth consecutive quarter of meaningful deposit growth.
Quarterly Loan Growth: Loan growth for the quarter was nearly 3%, driven by strong new loan production, with commercial loan production being the strongest in three years.
Asset Quality Improvement: The allowance for credit losses decreased by almost $3 million, with non-performing assets declining by $4 million, indicating continued improvement in asset quality.
Record High Capital Levels: S&T Bancorp's capital levels reached record highs, positioning the company well for future growth opportunities and enhancing overall financial stability.
Negative
Net Interest Income Decline: Net interest income decreased by $1,200,000 in Q4 compared to Q3, indicating a contraction in earnings from interest-bearing assets.
Non-Interest Income Decline: Non-interest income fell by approximately $8,800,000 in Q4, reflecting a significant decline in revenue streams outside of interest income.
TCE Ratio Decline: The TCE ratio decreased by 4 basis points in Q4 due to the AOCI impact of higher rates, suggesting a weakening capital position.
Rising Operational Costs: Expenses are expected to rise by approximately 3% in 2025 compared to 2024, indicating increasing operational costs that could pressure profitability.
Net Interest Margin Decline: The net interest margin declined by 5 basis points to 3.77% in Q4, signaling potential challenges in maintaining profitability as interest rates fluctuate.
STBA FAQs
How does STBA typically perform around its earnings report dates?
Is S&T Bancorp Inc (STBA) Q4 2024 Earnings Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
STBA Earning Call Sentiment
Earnings call transcript: S&T Bancorp beats Q4 2024 EPS forecast
STBA.O
-1.67%Positive
The earnings call indicates stable financial performance with slight improvements in net income and EPS. Loan growth outlook is positive, and asset quality has improved. However, concerns about competitive pressures, economic uncertainties, and lack of explicit shareholder return plans temper optimism. The Q&A reveals management's confidence in growth and stability but lacks clarity on key issues like interest margin impact. The market cap suggests moderate sensitivity to these factors, resulting in a neutral sentiment with expected stock movement between -2% to 2%.
