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Stellar Bancorp, Inc.(STEL)Earnings, Financials & Key Ratios
STEL•NASDAQ•Banking & Credit
$37.78
$1.92B mkt cap·19.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutStellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.Show more
- Net Interest Income$402M-1.6%
- Total Revenue$596M-4.7%
- Net Income$103M-10.5%
- Return on Equity6.28%-14.6%
- Net Interest Margin3.72%-0.7%
- Efficiency Ratio47.88%+3.6%
- ROA0.95%-11.2%
- Equity / Assets15.44%+4.7%
- Book Value per Share32.21+7.3%
- Tangible BV/Share21.24+11.8%
- Debt/Equity0.02-44.7%
STEL Key Insights
Stellar Bancorp, Inc. (STEL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong 5Y profit CAGR of 17.7%
- ✓Strong NIM of 3.7%
- ✓Efficient operations: 47.9% efficiency ratio
- ✓Well capitalized: 15.4% equity/assets
- ✓Share count reduced 3.3% through buybacks
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
STEL Price & Volume
Stellar Bancorp, Inc. (STEL) stock price & volume — 10-year historical chart
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STEL Growth Metrics
Stellar Bancorp, Inc. (STEL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.63%
5 Years18.99%
3 Years20.2%
TTM-
Profit CAGR
10 Years15.6%
5 Years17.7%
3 Years26%
TTM-7.42%
EPS CAGR
10 Years6.3%
5 Years13.43%
3 Years10.62%
TTM-3.3%
Return on Capital
10 Years8.75%
5 Years7.24%
3 Years6.6%
Last Year2.03%
STEL Recent Earnings
Stellar Bancorp, Inc. (STEL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 28, 2026EPS
$0.58
Est $0.50
+16.0%
Revenue
$111M
Est $108M
+2.4%
Q1 2026
Jan 28, 2026EPS
$0.51
Est $0.51
-0.8%
Revenue
$109M
Est $108M
+0.9%
Q4 2025
Oct 24, 2025EPS
$0.50
Est $0.49
+1.2%
Revenue
$106M
Est $106M
-0.3%
Q3 2025
Jul 25, 2025EPS
$0.51
Est $0.45
+13.3%
Revenue
$104M
Est $107M
-2.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.58vs $0.50+16.0% | $111Mvs $108M+2.4% |
| Q1 2026 | Jan 28, 2026 | $0.51vs $0.51-0.8% | $109Mvs $108M+0.9% |
| Q4 2025 | Oct 24, 2025 | $0.50vs $0.49+1.2% | $106Mvs $106M-0.3% |
| Q3 2025 | Jul 25, 2025 | $0.51vs $0.45+13.3% | $104Mvs $107M-2.8% |
Based on last 12 quarters of dataView full earnings history →
STEL Peer Comparison
Stellar Bancorp, Inc. (STEL) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TCBK | 1.63B | 50.80 | 13.69 | 1.78% | 9.43% | 0.06 | ||
 IBOC | 4.51B | 72.56 | 10.96 | 1.03% | 13.41% | 0.22 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 SBSI | 992.54M | 33.37 | 14.57 | -8.12% | 8.49% | 0.87 | ||
 CULP | 45.46M | 3.59 | -2.35 | -5.37% | -3.64% | -13.33% | 0.31 | |
 CFR | 8.86B | 140.74 | 14.19 | 2.46% | 15.05% | 1.04 | ||
 TCBI | 4.53B | 102.35 | 15.05 | 13.54% | 9.93% | 0.26 |
Compare STEL vs Peers
Stellar Bancorp, Inc. (STEL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
STEL Income Statement
Stellar Bancorp, Inc. (STEL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 107.77M | 124.66M | 135.99M | 202.68M | 228.56M | 288.96M | 436.76M | 407.99M | 401.62M | 302.36M |
| NII Growth % | 6.13% | 15.67% | 9.09% | 49.04% | 12.77% | 26.42% | 51.15% | -6.59% | -1.56% | -103.47% |
| Net Interest Margin % | 3.5% | 3.8% | 3.91% | 5.13% | 3.22% | 2.65% | 4.1% | 3.74% | 3.72% | 2.78% |
| Interest Income | 116.66M | 135.76M | 153.4M | 241.76M | 253.18M | 322.99M | 590.82M | 602.4M | 574.47M | 432.15M |
| Interest Expense | 8.88M | 11.1M | 17.41M | 39.08M | 24.62M | 34.04M | 154.06M | 194.41M | 172.85M | 168.95M |
| Loan Loss Provision | -338K | -1.76M | 2.38M | 27.37M | -2.32M | 50.71M | 8.94M | -2.88M | 10.16M | -32.64M |
| Non-Interest Income | 12.56M | 12.98M | 17.16M | 8.16M | 8.56M | 20.35M | 24.56M | 23.05M | 21.79M | 161.38M |
| Non-Interest Income % | 9.72% | 8.72% | 10.06% | 3.26% | 3.27% | 5.93% | 3.99% | 3.68% | 3.65% | 27.19% |
| Total Revenue | 129.22M▲ 0% | 148.74M▲ 15.1% | 170.56M▲ 14.7% | 249.92M▲ 46.5% | 261.75M▲ 4.7% | 343.35M▲ 31.2% | 615.38M▲ 79.2% | 625.45M▲ 1.6% | 596.26M▼ 4.7% | 593.53M▲ 0% |
| Revenue Growth % | 4.5% | 15.1% | 14.67% | 46.53% | 4.73% | 31.18% | 79.23% | 1.64% | -4.67% | -16.03% |
| Non-Interest Expense | 76.65M | 80.74M | 88.68M | 127.49M | 139.55M | 196.08M | 290.49M | 288.96M | 285.47M | 216.99M |
| Efficiency Ratio | 59.32% | 54.28% | 51.99% | 51.01% | 53.32% | 57.11% | 47.21% | 46.2% | 47.88% | 36.56% |
| Operating Income | 44.02M▲ 0% | 58.65M▲ 33.2% | 62.09M▲ 5.9% | 55.97M▼ 9.9% | 99.89M▲ 78.5% | 62.52M▼ 37.4% | 161.88M▲ 158.9% | 144.96M▼ 10.5% | 127.78M▼ 11.9% | 130.2M▲ 0% |
| Operating Margin % | 34.07% | 39.43% | 36.4% | 22.4% | 38.16% | 18.21% | 26.31% | 23.18% | 21.43% | 21.94% |
| Operating Income Growth % | 12.25% | 33.23% | 5.86% | -9.85% | 78.47% | -37.41% | 158.92% | -10.45% | -11.85% | - |
| Pretax Income | 44.02M▲ 0% | 58.65M▲ 33.2% | 62.09M▲ 5.9% | 55.97M▼ 9.9% | 99.89M▲ 78.5% | 62.52M▼ 37.4% | 161.88M▲ 158.9% | 144.96M▼ 10.5% | 127.78M▼ 11.9% | 130.2M▲ 0% |
| Pretax Margin % | 34.07% | 39.43% | 36.4% | 22.4% | 38.16% | 18.21% | 26.31% | 23.18% | 21.43% | 21.94% |
| Income Tax | 16.45M | 11.36M | 11.57M | 10.44M | 18.34M | 11.09M | 31.39M | 29.96M | 24.91M | 25.06M |
| Effective Tax Rate % | 37.37% | 19.37% | 18.64% | 18.65% | 18.36% | 17.74% | 19.39% | 20.67% | 19.49% | 19.25% |
| Net Income | 27.57M▲ 0% | 47.29M▲ 71.5% | 50.52M▲ 6.8% | 45.53M▼ 9.9% | 81.55M▲ 79.1% | 51.43M▼ 36.9% | 130.5M▲ 153.7% | 115M▼ 11.9% | 102.87M▼ 10.5% | 105.14M▲ 0% |
| Net Margin % | 21.34% | 31.79% | 29.62% | 18.22% | 31.16% | 14.98% | 21.21% | 18.39% | 17.25% | 17.71% |
| Net Income Growth % | 1.33% | 71.52% | 6.83% | -9.86% | 79.1% | -36.93% | 153.73% | -11.87% | -10.55% | -7.42% |
| Net Income (Continuing) | 27.57M | 47.29M | 50.52M | 45.53M | 81.55M | 51.43M | 130.5M | 115M | 102.87M | 105.14M |
| EPS (Diluted) | 1.22▲ 0% | 1.89▲ 54.9% | 2.02▲ 6.9% | 1.06▼ 47.5% | 2.82▲ 166.0% | 1.47▼ 47.9% | 2.45▲ 66.7% | 2.15▼ 12.2% | 1.99▼ 7.4% | 2.06▲ 0% |
| EPS Growth % | 0% | 54.92% | 6.88% | -47.52% | 166.04% | -47.87% | 66.67% | -12.24% | -7.44% | -3.3% |
| EPS (Basic) | 1.23 | 1.90 | 2.03 | 1.06 | 2.85 | 1.48 | 2.45 | 2.15 | 1.99 | - |
| Diluted Shares Outstanding | 22.57M | 25.02M | 25.05M | 29.14M | 28.87M | 35.01M | 53.31M | 53.58M | 51.8M | 51.14M |
STEL Balance Sheet
Stellar Bancorp, Inc. (STEL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 326.8M | 439.76M | 425.34M | 738.69M | 2.53B | 2.18B | 1.79B | 2.1B | 2.22B | 6.77B |
| Cash & Due from Banks | 326.2M | 382.07M | 372.06M | 538.01M | 757.51M | 371.7M | 399.24M | 911.22M | 419.45M | 107.74M |
| Short Term Investments | 0 | 57.69M | 53.28M | 200.69M | 1.77B | 1.81B | 1.4B | 1.19B | 1.81B | 1.86B |
| Total Investments | 2.52B | 2.67B | 2.86B | 3.14B | 5.97B | 9.47B | 9.23B | 9.03B | 9.42B | 1.86B |
| Investments Growth % | 7.46% | 5.64% | 7.39% | 9.74% | 89.91% | 58.69% | -2.53% | -2.14% | 4.25% | -100.22% |
| Long-Term Investments | 2.52B | 2.61B | 2.81B | 2.94B | 4.19B | 7.66B | 7.83B | 7.85B | 7.61B | 22.29B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 33.39M | 44.74M | 44.24M | 37.88M | 0 | 36.59M |
| Goodwill & Intangibles | 87.72M | 86.72M | 85.89M | 85.12M | 238.3M | 640.78M | 614.03M | 589.86M | 568.34M | 563.46M |
| Goodwill | 80.95M | 80.95M | 80.95M | 80.95M | 223.64M | 497.26M | 497.32M | 497.32M | 497.32M | 497.32M |
| Intangible Assets | 6.77M | 5.78M | 4.94M | 4.17M | 14.66M | 143.53M | 116.71M | 92.55M | 71.02M | 66.14M |
| PP&E (Net) | 53.61M | 51.62M | 63.8M | 74.44M | 63.71M | 126.8M | 118.68M | 111.86M | 109.75M | 99.86M |
| Other Assets | 83.52M | 85.36M | 86.12M | 98.87M | 35.06M | 247.24M | 241.82M | 223.16M | 2.39B | 0 |
| Total Current Assets | 326.8M | 439.76M | 425.34M | 738.69M | 2.56B | 2.22B | 1.84B | 2.13B | 130.2M | 2.01B |
| Total Non-Current Assets | 2.75B | 2.84B | 3.05B | 3.21B | 4.54B | 8.68B | 8.81B | 8.77B | 10.68B | 663.32M |
| Total Assets | 3.08B▲ 0% | 3.28B▲ 6.4% | 3.48B▲ 6.1% | 3.95B▲ 13.5% | 7.1B▲ 79.9% | 10.9B▲ 53.4% | 10.65B▼ 2.3% | 10.91B▲ 2.4% | 10.81B▼ 0.9% | 10.89B▲ 0% |
| Asset Growth % | 4.39% | 6.43% | 6.08% | 13.53% | 79.91% | 53.42% | -2.32% | 2.43% | -0.91% | 1.28% |
| Return on Assets (ROA) | 0.91% | 1.49% | 1.5% | 1.23% | 1.48% | 0.57% | 1.21% | 1.07% | 0.95% | 0.98% |
| Accounts Payable | 0 | 0 | 0 | 0 | 1.75M | 2.1M | 11.29M | 17.05M | 5.51M | 0 |
| Total Debt | 8.25M | 4.07M | 66.19M | 66.45M | 212.94M | 173.29M | 159.76M | 70.11M | 40.23M | 0 |
| Net Debt | -318.55M | -378M | -305.88M | -471.56M | -544.56M | -198.41M | -239.47M | -841.11M | -379.23M | -107.74M |
| Long-Term Debt | 6.73M | 1.57M | 50M | 50M | 198.8M | 173.29M | 159.76M | 70.11M | 40.23M | 0 |
| Short-Term Debt | 1.52M | 2.5M | 485K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 23.65M | 21.12M | 24.25M | 34.52M | 26.15M | 74.24M | 81.6M | 82.39M | 9.1B | 9.22B |
| Total Current Liabilities | 2.6B | 2.77B | 2.85B | 3.3B | 6.05B | 9.27B | 8.88B | 9.15B | 4.09M | 0 |
| Total Non-Current Liabilities | 30.37M | 22.69M | 89.95M | 100.97M | 239.09M | 247.53M | 241.37M | 152.49M | 9.14B | 9.22B |
| Total Liabilities | 2.63B | 2.79B | 2.94B | 3.4B | 6.29B | 9.52B | 9.13B | 9.3B | 9.14B | 9.22B |
| Total Equity | 446.21M▲ 0% | 487.63M▲ 9.3% | 535.72M▲ 9.9% | 546.45M▲ 2.0% | 816.47M▲ 49.4% | 1.38B▲ 69.4% | 1.52B▲ 10.0% | 1.61B▲ 5.7% | 1.67B▲ 3.8% | 1.67B▲ 0% |
| Equity Growth % | 24.77% | 9.28% | 9.86% | 2% | 49.41% | 69.41% | 9.97% | 5.71% | 3.78% | 11.41% |
| Equity / Assets (Capital Ratio) | 14.48% | 14.87% | 15.4% | 13.84% | 11.49% | 12.69% | 14.29% | 14.74% | 15.44% | 15.32% |
| Return on Equity (ROE) | 6.86% | 10.13% | 9.87% | 8.42% | 11.97% | 4.68% | 8.99% | 7.35% | 6.28% | 6.38% |
| Book Value per Share | 19.77 | 19.49 | 21.38 | 18.75 | 28.28 | 39.51 | 28.53 | 30.01 | 32.21 | 32.61 |
| Tangible BV per Share | 15.88 | 16.02 | 17.96 | 15.83 | 20.03 | 21.21 | 17.01 | 19.00 | 21.24 | 21.59 |
| Common Stock | 257K | 258K | 258K | 255K | 289K | 530K | 533K | 534K | 509K | 509K |
| Additional Paid-in Capital | 343.25M | 344.5M | 346.56M | 339.33M | 530.85M | 1.22B | 1.23B | 1.24B | 1.17B | 0 |
| Retained Earnings | 118.35M | 160.63M | 201.08M | 214.46M | 267.09M | 303.15M | 405.94M | 492.64M | 566.22M | 585.4M |
| Accumulated OCI | -389K | -2.98M | 2.39M | 6.78M | 18.24M | -143.26M | -118.09M | -125.36M | -72.97M | -89.01M |
| Treasury Stock | -15.26M | -14.78M | -14.56M | -14.37M | -14.2M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
STEL Cash Flow Statement
Stellar Bancorp, Inc. (STEL) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 35.59M | 49.32M | 56.09M | 61.06M | 107.38M | 109.07M | 168.22M | 132.62M | 97M | 97M |
| Operating CF Growth % | -1.25% | 38.58% | 13.72% | 8.87% | 75.85% | 1.57% | 54.23% | -21.16% | -26.86% | 608.06% |
| Net Income | 27.57M | 47.29M | 50.52M | 45.53M | 81.55M | 51.43M | 130.5M | 115M | 102.87M | 105.14M |
| Depreciation & Amortization | 4.43M | 4.29M | 5.44M | 7.64M | 7.55M | 14.25M | 34.47M | 32.03M | 29.64M | 30.25M |
| Deferred Taxes | 2.93M | -734K | -1.66M | -7.06M | 2.78M | 1.93M | 10.25M | 3.3M | -1.74M | -1.86M |
| Other Non-Cash Items | -1.86M | -3.19M | -1.57M | 31.21M | 5.33M | 43.37M | -35.12M | -34.13M | -11.62M | 918K |
| Working Capital Changes | 2.18M | 65K | 956K | -19.68M | 6.18M | -10.96M | 18.18M | 5.66M | -31.3M | -24.39M |
| Cash from Investing | -185.43M | -147.72M | -189.74M | -961.1M | -754.82M | 73.76M | 295.25M | 246.09M | -348.22M | -463.77M |
| Purchase of Investments | -355.69M | -496.67M | -655.59M | -4.36B | -4.32B | -2.45B | -4.09B | -5.54B | -6.39B | -6.11B |
| Sale/Maturity of Investments | 337.98M | 484.8M | 656.28M | 4B | 3.29B | 2.72B | 4.53B | 5.24B | 5.93B | 5.99B |
| Net Investment Activity | -17.71M | -11.87M | 684K | -365.16M | -1.03B | 271.56M | 436.61M | -292.33M | -456.01M | -123.86M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 370.45M | 0 | 0 | 0 | 0 |
| Other Investing | -166.73M | -134.56M | -187.94M | -588.77M | 277.64M | -564.43M | -134.5M | 543.08M | 112.19M | -338.64M |
| Cash from Financing | 93.94M | 154.27M | 123.64M | 976.56M | 982.19M | -568.63M | -435.94M | 133.27M | -240.55M | 333.58M |
| Dividends Paid | -4.41M | -4.98M | -8.76M | -9.96M | -9.7M | -15.38M | -27.7M | -28.31M | -29.3M | -20.38M |
| Share Repurchases | 0 | 0 | -3K | -18.58M | -5.66M | -23.61M | -76K | -2.84M | -73.35M | -72.83M |
| Stock Issued | 71.76M | 0 | 0 | 2.57M | 0 | 77K | 0 | 0 | -980K | -801K |
| Net Stock Activity | 71.76M | 0 | -3K | -16.01M | -5.66M | -23.53M | -76K | -2.84M | -74.33M | -73.63M |
| Debt Issuance (Net) | -1000K | 0 | 1000K | -485K | -1000K | -1000K | -1000K | -1000K | -1000K | -3M |
| Other Financing | 54.27M | 159.25M | 82.4M | 1B | 1.06B | -503.65M | -394.24M | 254.42M | -106.92M | 573.41M |
| Net Change in Cash | -55.9M▲ 0% | 55.87M▲ 199.9% | -10.01M▼ 117.9% | 76.52M▲ 864.7% | 334.74M▲ 337.5% | -385.8M▼ 215.3% | 27.53M▲ 107.1% | 511.98M▲ 1759.6% | -491.76M▼ 196.1% | -11.01M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 382.1M | 326.2M | 382.07M | 346.25M | 422.77M | 757.51M | 371.7M | 399.24M | 911.22M | 419.45M |
| Cash at End | 326.2M | 382.07M | 372.06M | 422.77M | 757.51M | 371.7M | 399.24M | 911.22M | 419.45M | 549.57M |
| Interest Paid | 9.09M | 10.8M | 17.04M | 40.7M | 25.57M | 33.69M | 144.87M | 188.64M | 184.39M | 89.56M |
| Income Taxes Paid | 13.75M | 11.63M | 13.71M | 15.1M | 19.25M | 15.05M | 14M | 27.4M | 18.5M | 18.5M |
| Free Cash Flow | 35.59M▲ 0% | 48.03M▲ 34.9% | 53.6M▲ 11.6% | 53.88M▲ 0.5% | 104.45M▲ 93.9% | 105.25M▲ 0.8% | 161.36M▲ 53.3% | 127.96M▼ 20.7% | 92.61M▼ 27.6% | 117.92M▲ 0% |
| FCF Growth % | -1.25% | 34.95% | 11.61% | 0.52% | 93.85% | 0.77% | 53.3% | -20.7% | -27.63% | 29.62% |
STEL Banking Ratios
Stellar Bancorp, Inc. (STEL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.86% | 10.13% | 9.87% | 8.42% | 11.97% | 4.68% | 8.99% | 7.35% | 6.28% | 6.38% |
| Return on Assets (ROA) | 0.91% | 1.49% | 1.5% | 1.23% | 1.48% | 0.57% | 1.21% | 1.07% | 0.95% | 0.98% |
| Net Interest Margin | 3.5% | 3.8% | 3.91% | 5.13% | 3.22% | 2.65% | 4.1% | 3.74% | 3.72% | 2.78% |
| Efficiency Ratio | 59.32% | 54.28% | 51.99% | 51.01% | 53.32% | 57.11% | 47.21% | 46.2% | 47.88% | 36.56% |
| Equity / Assets | 14.48% | 14.87% | 15.4% | 13.84% | 11.49% | 12.69% | 14.29% | 14.74% | 15.44% | 15.32% |
| Book Value / Share | 19.77 | 19.49 | 21.38 | 18.75 | 28.28 | 39.51 | 28.53 | 30.01 | 32.21 | 32.61 |
| NII Growth | 6.13% | 15.67% | 9.09% | 49.04% | 12.77% | 26.42% | 51.15% | -6.59% | -1.56% | -25.37% |
| Dividend Payout | 16% | 10.53% | 17.33% | 21.88% | 11.89% | 29.9% | 21.22% | 24.62% | 28.48% | 19.31% |
STEL SEC Filings & Documents
Stellar Bancorp, Inc. (STEL) SEC filings — annual & quarterly reports (10-K, 10-Q)
STEL Frequently Asked Questions
Stellar Bancorp, Inc. (STEL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Stellar Bancorp, Inc. (STEL) saw revenue decline by 4.7% over the past year.
Yes, Stellar Bancorp, Inc. (STEL) is profitable, generating $105.1M in net income for fiscal year 2025 (17.3% net margin).
Dividend & Returns
Yes, Stellar Bancorp, Inc. (STEL) pays a dividend with a yield of 1.50%. This makes it attractive for income-focused investors.
Stellar Bancorp, Inc. (STEL) has a return on equity (ROE) of 6.3%. This is below average, suggesting room for improvement.
Industry Metrics
Stellar Bancorp, Inc. (STEL) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Stellar Bancorp, Inc. (STEL) has an efficiency ratio of 47.9%. This is excellent, indicating strong cost control.
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