S&T Bancorp | 10-Q: FY2025 Q3 Revenue: USD 145.39 M

Revenue: As of FY2025 Q3, the actual value is USD 145.39 M.

EPS: As of FY2025 Q3, the actual value is USD 0.91, beating the estimate of USD 0.8583.

EBIT: As of FY2025 Q3, the actual value is USD -42.61 M.

Segment Revenue

• Interest and Dividend Income: Total interest and dividend income for the nine months ended September 30, 2025, was $385,377 thousand, compared to $387,993 thousand for the same period in 2024.

Operational Metrics

• Net Income: For the nine months ended September 30, 2025, net income was $100,263 thousand, compared to $98,200 thousand for the same period in 2024.
• Provision for Credit Losses: The provision for credit losses for the nine months ended September 30, 2025, was $1,726 thousand, compared to $2,595 thousand for the same period in 2024.

Cash Flow

• Net Cash Provided by Operating Activities: For the nine months ended September 30, 2025, net cash provided by operating activities was $97,465 thousand, compared to $118,758 thousand for the same period in 2024.
• Net Cash Used in Investing Activities: For the nine months ended September 30, 2025, net cash used in investing activities was - $228,906 thousand, compared to - $53,290 thousand for the same period in 2024.

Unique Metrics

• Allowance for Credit Losses: The allowance for credit losses as of September 30, 2025, was $98,155 thousand, compared to $101,494 thousand as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: The company continues to focus on maintaining a strong credit quality and managing the allowance for credit losses effectively. The strategic emphasis is on enhancing operational efficiency and optimizing the loan portfolio to support sustainable growth.
• Non-Core Business: There is no specific mention of non-core business strategies or divestitures in the provided data.