S&T Bancorp, Inc.
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $78.10M | $-437.05M | $360.17M | $5.08M |
| FY2015 | $60.58M | $-405.74M | $334.97M | $5.13M |
| FY2016 | $96.81M | $-616.65M | $559.94M | $3.56M |
| FY2017 | $114.24M | $-212.42M | $75.85M | $4.69M |
| FY2018 | $128.02M | $-201.96M | $112.28M | $4.17M |
| FY2019 | $138.42M | $-210.56M | $114.47M | $5.15M |
| FY2020 | $51.55M | $-159.20M | $139.49M | $5.42M |
| FY2021 | $214.85M | $13.24M | $464.46M | $3.61M |
| FY2022 | $240.53M | $-398.68M | $-554.05M | $3.86M |
| FY2023 | $171.75M | $-444.22M | $296.07M | $5.51M |
| FY2024 | $173.37M | $-118.29M | $-43.87M | $2.94M |
| FY2025 | $133.62M | $-314.80M | $99.80M | $4.77M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.