EX-99.1 2 d163575dex991.htm EX-99.1

Exhibit 99.1

Exhibit 99.1

Profile:

S&T Bancorp, Inc. is a $6.5 billion financial holding company headquartered in Indiana, PA, located about 55 miles northeast of Pittsburgh, PA. Founded in 1902 with a single location in Indiana, PA, S&T Bancorp, Inc. has grown to 64 branch offices that provide a full range of financial services to individuals and businesses in 17 counties in Pennsylvania and northeast Ohio. Additionally, S&T has loan production offices in central Ohio and western New York.

Investment Thesis:

Above peer performance Strategic and effective mergers and expansion Demonstrated expense discipline and efficiency Organic growth Sound asset quality Stable regional economy with long term oil and gas benefit

Recent Mergers and Expansions: December 21, 2015

S&T Bank branch opens in Akron, Ohio. March 23, 2015

S&T Bank loan production office opens to service western New York. March 4, 2015

S&T Bancorp merges with Integrity Bancshares in southcentral PA, adding 8 offices in 4 counties, $789 million in loans, and $722 million in deposits.

June 18, 2014

S&T Bank branch opens in State College, PA.

January 21, 2014

S&T Bank loan production office opens to service central Ohio.

Key Statistics:

(Data as of 3.31.16)

Total Assets (in $ millions) $6,479

Common BV/Share $23.23

Tangible BV/Share $14.76

Stock Price $25.76

Market Cap (in $ millions) $899

Dividend Yield (annualized) 2.95%

Price/Earnings (LTM) 12.8

64 offices in 17 counties in Pennsylvania & Ohio 2 Loan Production Offices in Ohio and New York

S&T Bank Loan Production Offices

Total Annualized Shareholder Return

Includes reinvested dividends

(Data as of 03.31.16)

1 YR 3 YR5 YR10 YR

STBA -6.82% 14.55%6.65%-0.29%

NASDAQ Bank 1.63% 10.81%10.18%0.42%

KRX-Dow Jones KBW Regional Bank -0.50% 10.26%9.95%0.10%

S&P 500 1.77% 11.77%11.54%7.00%

Source: Bloomberg

MEMBER FDIC

Senior Management:

Todd D. Brice

President and Chief Executive Officer

Mark Kochvar

Senior Executive Vice President, Chief Financial Officer

David G. Antolik

Senior Executive Vice President, Chief Lending Officer

David P. Ruddock

Senior Executive Vice President, Chief Operating Officer

Rebecca A. Stapleton

Senior Executive Vice President, Chief Banking Officer

Investor Relations Contact:

Mark Kochvar

S&T Bancorp, Inc.

800 Philadelphia Street Indiana, PA 15701 724.465.4826 mark.kochvar@stbank.net For more information visit stbancorp.com or stbank.com.

Common stock traded on the NASDAQ under the symbol STBA

Analyst Coverage:

The following analysts published research about S&T Bancorp, Inc. in 2016.

Boenning & Scattergood Matthew Schultheis • 610.832.5290 mschultheis@boenninginc.com Keefe, Bruyette & Woods Collyn Gilbert • 973.549.4092 collyn.gilbert@kbw.com Piper Jaffray Matthew Breese • 207.233.4399 matthew.m.breese@pjc.com Raymond James William Wallace • 301.657.1548 william.wallace@raymondjames.com

Financial Highlights:

2016 201520142013

Q1 Full YearFull YearFull Year

Net Income (in $ thousands) $16,093 $67,081$57,910$50,539

Diluted Earnings per Share $0.46 $1.98$1.95$1.70

Dividends Declared per Share $0.19 $0.73$0.68$0.61

Total Assets (in $ millions) $6,479 $6,318$4,965$4,533

Total Loans (in $ millions) $5,188 $5,063$3,872$3,568

Total Deposits (in $ millions) $5,018 $4,877$3,909$3,672

Return on Average Assets* 1.01% 1.13%1.22%1.12%

Return on Average Equity* 8.06% 8.94%9.71%9.21%

Return on Tangible Equity* 13.00% 14.39%14.02%13.94 %

Net Interest Margin (FTE) 3.53% 3.56%3.50%3.50%

Nonperforming Assets/Loans + OREO 1.00% 0.71%0.33%0.64%

Allowance for Loan Losses/Total Loans 0.97% 0.96%1.24%1.30%

Net Loan Charge-offs / Average Loans* 0.22% 0.22%0.00%0.25%

Risk-based Capital—Total 11.57% 11.60%14.27%14.36%

Tangible Common Equity/Tangible Assets 8.33% 8.24%9.00%9.03%

* Annualized for quarterly data

Our Reputation Speaks for Itself

• Named to the prestigous Sandler O’Neill Sm-All Stars Class of 2013, 2014, and 2015. • Superior Customer Service

Consistently ranked high in customer satisfaction.

• American Heart Association

S&T recognized as a Gold Level Fit-Friendly Worksite in 2015.

One customer at a time.

This document may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements involve risks and uncertainties that could cause actual results to differ materially from the results discussed in these statements. These risks are detailed in the company’s latest form 10-Q and 10-K filed with the Securities and Exchange Commission.

This document also contains or references, certain non-GAAP financial measures, such as net interest margin (FTE). Although S&T believes that these measures enhance investors’ understanding of S&T’s business and performance, these non-GAAP financial measures should not be considered an alternative to GAAP, and should be read in conjunction with the audited financial statements and analysis as presented in the Annual Report on Form 10-K as well as the unaudited financial statements and analyses as presented in the respective Quarterly Reports on Forms 10-Q for S&T Bancorp, Inc. and subsidiaries.