For the year ending 2025-12-31, STBA had -$81,384K decrease in cash & cash equivalents over the period. $128,848K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Total interest and dividend income | 65,536 |
| Interest expense on long-term debt | 1,939 |
| Other expenses | 5,382 |
| Total expense | 7,321 |
| Income before income tax and undistributed net income of subsidiaries | 58,215 |
| Income tax expense (benefit) | -1,550 |
| Income before undistributed net income of subsidiaries | 59,765 |
| Bank subsidiary | 74,172 |
| Nonbank subsidiaries | 293 |
| Net income | 134,230 |
| Provision for credit losses | 7,422 |
| Net depreciation, amortization and accretion | 10,445 |
| Net (accretion) amortization of discounts and premiums on securities | 3,338 |
| Stock-based compensation expense | 5,344 |
| Loss on sale of securities | -2,295 |
| Deferred income taxes | 175 |
| (gain) loss on sale of fixed assets | 31 |
| Gain on sale of loans, net | 107 |
| Loss (gain) on sale and fair value adjustments of other real estate owned, net | -4 |
| Proceeds from the sale of mortgage loans | 3,907 |
| Mortgage loans originated for sale | 4,810 |
| Net (increase) decrease in interest receivable | 226 |
| Net (decrease) increase in interest payable | -5,285 |
| Net decrease (increase) in other assets | -35,193 |
| Net (decrease) increase in other liabilities | -51,602 |
| Net cash provided by operating activities | 133,616 |
| Purchases of securities | 142,389 |
| Proceeds from maturities, prepayments and calls of securities | 133,387 |
| Proceeds from sales of securities | 47,038 |
| (purchases) redemptions of federal home loan bank stock | 799 |
| Net increase in loans | 360,472 |
| Proceeds from sale of portfolio loans | 17,486 |
| Proceeds from sale of other real estate owned | 42 |
| Purchases of premises and equipment, net of proceeds from sales | 4,768 |
| Proceeds from life insurance settlement | 1,739 |
| Net payments from cash flow hedge | 6,064 |
| Net cash used in investing activities | -314,800 |
| Net increase (decrease) in demand, money market and savings deposits | 93,885 |
| Net increase in certificates of deposit | 81,829 |
| Net increase (decrease) in short-term borrowings | 15,000 |
| Proceeds from long-term borrowings | 0 |
| Repayments on long-term borrowings | 81 |
| Repurchase of shares for taxes on restricted stock | 1,672 |
| Cash dividends paid to common shareholders | 52,887 |
| Repurchase of common stock | 36,274 |
| Net cash provided by (used in) financing activities | 99,800 |
| Net (decrease) increase in cash and due from banks | -81,384 |
| Cash and due from banks at beginning of period | 244,820 |
| Cash and due from banks at end of period | 163,436 |
S&T BANCORP INC (STBA)
S&T BANCORP INC (STBA)