EX-99.1 2 d236261dex991.htm EX-99.1

Exhibit 99.1

Profile: Key Statistics:

S&T Bancorp, Inc. is a $6.7 billion (Data as of 6.30.16)

financial holding company headquartered Total Assets (in $ millions) $6,674 Stock Price $24.45

in Indiana, PA, located about 55 miles Common BV/Share $23.63 Market Cap (in $ millions) $854

northeast of Pittsburgh, PA. Tangible BV/Share $15.17 Dividend Yield (annualized) 3.11%

Founded in 1902 with a single location Price/Earnings (LTM) 12.3

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 64 offices in 17 counties in Pennsylvania & Ohio

in Pennsylvania and northeast Ohio. 2 Loan Production Offices in Ohio and New York

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 S&T Bank Loan Production Offices

to service western New York.

March 4, 2015

S&T Bancorp merges with Integrity

Bancshares in southcentral PA, adding Total Annualized Shareholder Return

8 offices in 4 counties, $789 million in Includes reinvested dividends

loans, and $722 million in deposits. (Data as of 06.30.16)

June 18, 2014 1 YR 3 YR 5 YR 10 YR

S&T Bank branch opens in State

College, PA. STBA -15.10% 10.50% 8.72% 0.13%

January 21, 2014

S&T Bank loan production office opens NASDAQ Bank -3.07% 9.53% 11.60% 0.80%

to service central Ohio.

KRX-Dow Jones KBW Regional Bank -6.21% 9.66% 11.68% 0.67%

S&P 500 3.97% 11.60% 12.06% 7.41%

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 Daniel Cardenas • 312.655.2986 daniel.cardenas@raymondjames.com

Financial Highlights:

2016 2016 2015 2014 2013

Q2 Q1 Full Year Full Year Full Year

Net Income (in $ thousands) $17,059 $16,093 $67,081 $57,910 $50,539

Diluted Earnings per Share $0.49 $0.46 $1.98 $1.95 $1.70

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

Total Assets (in $ millions) $6,674 $6,479 $6,318 $4,965 $4,533

Total Loans (in $ millions) $5,400 $5,188 $5,063 $3,872 $3,568

Total Deposits (in $ millions) $5,120 $5,018 $4,877 $3,909 $3,672

Return on Average Assets* 1.05% 1.01% 1.13% 1.22% 1.12%

Return on Average Equity* 8.37% 8.06% 8.94% 9.71% 9.21%

Return on Tangible Equity* 13.30% 13.00% 14.39% 14.02% 13.94 %

Net Interest Margin (FTE) 3.44% 3.53% 3.56% 3.50% 3.50%

Nonperforming Assets/Loans + OREO 0.80% 1.00% 0.71% 0.33% 0.64%

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

Net Loan Charge-offs / Average Loans* 0.23% 0.22% 0.22% 0.00% 0.25%

Risk-based Capital—Total 11.52% 11.57% 11.60% 14.27% 14.36%

Tangible Common Equity/Tangible Assets 8.30% 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.