Demonstrações financeiras detalhadas de S&T Bancorp, Inc. (STBA): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
S&T Bancorp, Inc. registou receitas de $568.5M no último exercício, com um CAGR de 5 anos de 8.4%. O lucro líquido atingiu $134.2M, com CAGR de 5 anos de 44.9%.
Margens dos últimos 12 meses: margem bruta 70.0%, margem operacional 28.8%, margem líquida 25.2%. O fluxo de caixa livre cresceu a CAGR de 22.8% em 5 anos.
Ao preço atual de $49.86, STBA negocia a um P/L de 13.72 e um ROE de 9.74%. A capitalização de mercado é de $1.8B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $282.4M | $316.1M | $337.1M | $373.0M | $380.2M | $354.0M | $399.0M | $535.5M | $565.0M | $568.5M |
| Custo da Receita | $42.5M | $48.8M | $70.4M | $88.6M | $172.5M | $29.4M | $33.3M | $146.4M | $181.2M | $173.8M |
| Lucro Bruto | $239.9M | $267.3M | $266.8M | $284.5M | $207.7M | $324.6M | $365.7M | $389.1M | $383.8M | $394.7M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $99.0M | $93.9M | $85.7M | $89.4M | $101.2M | $109.0M | $111.7M | $122.1M | $132.5M | $137.8M |
| Despesas Operacionais | $143.2M | $147.9M | $143.6M | $167.1M | $186.7M | $188.9M | $196.7M | $210.3M | $218.9M | $226.8M |
| Lucro Operacional | $96.7M | $119.4M | $123.2M | $117.4M | $21.0M | $135.7M | $168.9M | $178.8M | $164.8M | $167.9M |
| EBITDA | $100.3M | $121.9M | $130.5M | $129.1M | $33.1M | $147.1M | $178.0M | $186.3M | $175.7M | $175.0M |
| Despesas com Juros | $24.5M | $34.9M | $55.4M | $73.7M | $41.1M | $13.2M | $25.0M | $128.5M | $181.1M | $166.4M |
| Lucro Antes de Impostos | $96.7M | $119.4M | $123.2M | $117.4M | $21.0M | $135.7M | $168.9M | $178.8M | $164.8M | $167.9M |
| Imposto | $25.3M | $46.4M | $17.8M | $19.1M | -$1000 | $25.3M | $33.4M | $34.0M | $33.6M | $33.7M |
| Lucro Líquido | $71.4M | $73.0M | $105.3M | $98.2M | $21.0M | $110.3M | $135.5M | $144.8M | $131.3M | $134.2M |
| LPA | $2.04 | $2.10 | $3.03 | $2.48 | $0.54 | $2.81 | $3.47 | $3.78 | $3.43 | $3.49 |
| LPA Diluído | $2.04 | $2.09 | $3.01 | $2.48 | $0.53 | $2.81 | $3.46 | $3.74 | $3.40 | $3.49 |
| Ações em Circulação (Diluídas) | $34.9M | $34.8M | $35.0M | $39.6M | $39.1M | $39.1M | $39.0M | $38.7M | $38.5M | $38.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $145.4M | $145.4M | $140.0M | $128.1M |
| Lucro Bruto | $100.2M | $99.6M | $100.8M | $90.4M |
| Lucro Operacional | $43.8M | $42.4M | $44.0M | $30.6M |
| EBITDA | $43.8M | $42.4M | $44.0M | $30.6M |
| Lucro Líquido | $35.0M | $34.0M | $35.1M | $36.6M |
| LPA | $0.91 | $0.89 | $0.94 | $1.00 |
| LPA Diluído | $0.91 | $0.89 | $0.94 | $1.00 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $139.5M | $117.2M | $155.5M | $197.8M | $229.7M | $922.2M | $210.0M | $233.6M | $244.8M | $163.4M |
| Investimentos de Curto Prazo | $693.5M | $698.3M | 0 | $784.3M | $770.4M | $909.7M | $1.00B | $970.4M | $987.6M | $987.7M |
| Contas a Receber | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $2000 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $833.0M | $815.4M | $155.5M | $982.1M | $1.00B | $1.83B | $1.21B | $1.20B | $1.23B | $1.15B |
| Imobilizado | $45.0M | $42.7M | $41.7M | $56.9M | $55.6M | $52.6M | $49.3M | $49.0M | $45.0M | 0 |
| Ágio | $291.7M | $291.7M | $287.4M | $371.6M | $373.4M | $373.4M | $373.4M | $373.4M | $373.4M | $373.4M |
| Ativos Intangíveis | $4.9M | $3.7M | $2.6M | $10.9M | $8.7M | $6.9M | $5.4M | $4.1M | $3.1M | $2.3M |
| Ativos Totais | $6.94B | $7.06B | $7.25B | $8.76B | $8.97B | $9.49B | $9.11B | $9.55B | $9.66B | $9.87B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $710.8M | $590.2M | $488.4M | $301.2M | $140.2M | $84.5M | $370.0M | $415.0M | $150.0M | $220.1M |
| Passivos Circulantes | $5.98B | $6.02B | $6.16B | $7.34B | $7.56B | $8.08B | $7.59B | $7.94B | $7.93B | $165.0M |
| Dívida de Longo Prazo | $60.3M | $92.9M | $115.9M | $115.1M | $87.8M | $76.8M | $69.2M | $88.6M | $100.3M | $50.2M |
| Passivos Totais | $6.10B | $6.18B | $6.32B | $7.57B | $7.81B | $8.28B | $7.93B | $8.27B | $8.28B | $8.41B |
| Reservas | $585.9M | $628.1M | $701.8M | $761.1M | $710.1M | $773.7M | $863.9M | $959.6M | $1.04B | $1.12B |
| Patrimônio Líquido | $842.0M | $884.0M | $935.8M | $1.19B | $1.15B | $1.21B | $1.18B | $1.28B | $1.38B | $1.46B |
| Dívida Total | $771.2M | $683.1M | $604.3M | $416.4M | $227.9M | $161.3M | $439.2M | $503.6M | $250.3M | $310.9M |
| Dívida Líquida | -$61.8M | -$132.4M | $448.8M | -$565.8M | -$772.1M | -$1.67B | -$773.6M | -$700.4M | -$982.1M | -$840.1M |
| Capital de Giro | -$5.15B | -$5.20B | -$6.01B | -$6.36B | -$6.56B | -$6.25B | -$6.38B | -$6.73B | -$6.70B | $986.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $196.2M | $163.4M | $62.7M | $217.8M |
| Ativos Totais | $9.82B | $9.87B | $9.94B | $9.94B |
| Passivos Totais | $8.34B | $8.41B | $8.51B | $8.54B |
| Patrimônio Líquido | $1.48B | $1.46B | $1.43B | $1.40B |
| Dívida Total | $235.3M | $310.9M | $150.3M | $275.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $71.4M | $73.0M | $105.3M | $98.2M | $21.0M | $110.3M | $135.5M | $144.8M | $131.3M | $134.2M |
| Depreciação e Amortização | $3.6M | $2.5M | $7.3M | $11.7M | $12.1M | $11.5M | $9.0M | $7.5M | $10.9M | $7.1M |
| Compensação em Ações | $2.5M | $3.0M | $1.9M | $2.4M | $724000 | $2.4M | $3.2M | $3.9M | $4.6M | $5.3M |
| Variação Capital de Giro | -$639000 | $9.3M | $12.1M | $10.2M | -$100.2M | $49.7M | $83.0M | -$3.5M | $15.6M | -$21.9M |
| Fluxo de Caixa Operacional | $96.8M | $114.2M | $128.0M | $138.4M | $51.6M | $214.9M | $240.4M | $171.7M | $173.4M | $133.6M |
| CapEx | -$3.6M | -$4.7M | -$4.2M | -$5.2M | -$5.4M | -$3.6M | -$3.9M | -$6.2M | -$3.0M | -$4.8M |
| Aquisições | 0 | $4.4M | $4.5M | $63.8M | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$115000 | -$689000 | -$12.9M | -$19.1M | -$13.2M | -$630000 | -$8.4M | -$20.6M | -$870000 | -$37.9M |
| Dividendos Pagos | -$26.8M | -$28.6M | -$34.5M | -$37.4M | -$43.9M | -$44.3M | -$47.0M | -$49.7M | -$51.0M | -$52.9M |
| Fluxo de Caixa Livre | $93.2M | $109.5M | $123.8M | $133.3M | $46.1M | $211.2M | $236.6M | $165.5M | $170.4M | $128.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $40.5M | $37.1M | $42.5M | $27.8M |
| CapEx | $2.9M | -$1.2M | -$969000 | -$847000 |
| Fluxo de Caixa Livre | $43.4M | $35.8M | $41.6M | $27.0M |
| Dividendos Pagos | -$13.1M | -$13.6M | -$13.4M | -$13.3M |
| Compensação em Ações | 0 | 0 | 0 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +11.9% | +6.7% | +10.7% | +1.9% | -6.9% | +12.7% | +34.2% | +5.5% | +0.6% |
| Crescimento Lucro Líquido (anual) | | +2.2% | +44.4% | -6.7% | -78.6% | +424.4% | +22.8% | +6.8% | -9.3% | +2.3% |
| Crescimento LPA (anual) | | +2.9% | +44.3% | -18.2% | -78.2% | +420.4% | +23.5% | +8.9% | -9.3% | +1.7% |
| Variação de Ações (anual) | | -0.2% | +0.4% | +13.1% | -1.2% | -0.0% | -0.1% | -1.0% | -0.3% | -0.1% |
| Crescimento FCF (anual) | | +17.5% | +13.1% | +7.6% | -65.4% | +357.9% | +12.0% | -30.0% | +2.9% | -24.4% |
| Margem Bruta | 85.0% | 84.6% | 79.1% | 76.3% | 54.6% | 91.7% | 91.6% | 72.7% | 67.9% | 69.4% |
| Margem Operacional | 34.2% | 37.8% | 36.5% | 31.5% | 5.5% | 38.3% | 42.3% | 33.4% | 29.2% | 29.5% |
| Margem EBITDA | 35.5% | 38.6% | 38.7% | 34.6% | 8.7% | 41.6% | 44.6% | 34.8% | 31.1% | 30.8% |
| Margem Líquida | 25.3% | 23.1% | 31.2% | 26.3% | 5.5% | 31.2% | 34.0% | 27.0% | 23.2% | 23.6% |
| Margem FCF | 33.0% | 34.7% | 36.7% | 35.7% | 12.1% | 59.7% | 59.3% | 30.9% | 30.2% | 22.7% |
| Taxa Efetiva de Imposto | 26.2% | 38.9% | 14.5% | 16.3% | -0.0% | 18.7% | 19.8% | 19.0% | 20.4% | 20.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.67 | $3.14 | $3.54 | $3.37 | $1.18 | $5.41 | $6.06 | $4.28 | $4.42 | $3.35 |
| Dividendo por Ação | $0.77 | $0.82 | $0.99 | $0.94 | $1.12 | $1.13 | $1.20 | $1.29 | $1.32 | $1.37 |
| Ações em Circulação (Básicas) | $34.7M | $34.7M | $34.8M | $39.6M | $39.1M | $39.0M | $39.0M | $38.2M | $38.2M | $38.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 9.74% |
| Retorno sobre capital investido | 1.29% |
| Retorno sobre ativos | 1.41% |
| Margem bruta | 69.95% |
| Margem operacional | 28.79% |
| Margem líquida | 25.17% |
Saúde financeira
| Dívida / Patrimônio | 0.20 |
| Liquidez corrente | 1.09 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 19.14 | 18.96 | 12.49 | 16.25 | 46.00 | 11.22 | 9.85 | 8.84 | 11.14 | 11.28 |
| P/VP | 1.61 | 1.56 | 1.41 | 1.34 | 0.84 | 1.02 | 1.12 | 1.00 | 1.06 | 1.03 |
| P/V | 4.79 | 4.37 | 3.90 | 4.27 | 2.55 | 3.48 | 3.34 | 2.39 | 2.59 | 2.66 |
| Margem Bruta | 85.0% | 84.6% | 79.1% | 76.3% | 54.6% | 91.7% | 91.6% | 72.7% | 67.9% | 69.4% |
| Margem Operacional | 34.2% | 37.8% | 36.5% | 31.5% | 5.5% | 38.3% | 42.3% | 33.4% | 29.2% | 29.5% |
| Margem Líquida | 25.3% | 23.1% | 31.2% | 26.3% | 5.5% | 31.2% | 34.0% | 27.0% | 23.2% | 23.6% |