Stellar Bancorp, Inc. (STEL) 10-Year Financial Performance & Capital Metrics

STEL • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community 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 $408M -6.6%
Total Revenue $625M +1.6%
Net Income $115M -11.9%
Return on Equity 7.35% -18.2%
Net Interest Margin 3.74% -8.8%
Efficiency Ratio 46.2% -2.1%
ROA 1.07% -11.9%
Equity / Assets 14.74% +3.2%
Book Value per Share 30.01 +5.2%
Tangible BV/Share 19.00 +11.7%
Debt/Equity 0.04 -58.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 17.9%
✓Strong NIM of 3.7%
✓Efficient operations: 46.2% efficiency ratio
✓Well capitalized: 14.7% equity/assets
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y29.68%

3Y33.69%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.88%

3Y12.14%

TTM-12.92%

EPS CAGR

10Y-

5Y1.26%

3Y-8.65%

TTM-11.42%

ROCE

10Y Avg9.42%

5Y Avg8.59%

3Y Avg7.48%

Latest8.23%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	97.87M	101.55M	107.77M	124.66M	135.99M	202.68M	228.56M	288.96M	436.76M	407.99M
NII Growth %	-	0.04%	0.06%	0.16%	0.09%	0.49%	0.13%	0.26%	0.51%	-0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	105.53M	109.95M	116.66M	135.76M	153.4M	241.76M	253.18M	322.99M	590.82M	602.4M
Interest Expense	7.65M	8.4M	8.88M	11.1M	17.41M	39.08M	24.62M	34.04M	154.06M	194.41M
Loan Loss Provision	6.95M	4.58M	-338K	-1.76M	2.38M	27.37M	-2.32M	50.71M	8.94M	-2.88M
Non-Interest Income+	12M	13.71M	12.56M	12.98M	17.16M	8.16M	8.56M	20.35M	24.56M	23.05M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	117.52M	123.66M	129.22M	148.74M	170.56M	249.92M	261.75M	343.35M	615.38M	625.45M
Revenue Growth %	-	0.05%	0.04%	0.15%	0.15%	0.47%	0.05%	0.31%	0.79%	0.02%
Non-Interest Expense	67.99M	71.46M	76.65M	80.74M	88.68M	127.49M	139.55M	196.08M	290.49M	288.96M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	34.93M	39.22M	44.02M	58.65M	62.09M	55.97M	99.89M	62.52M	161.88M	144.96M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.12%	0.12%	0.33%	0.06%	-0.1%	0.78%	-0.37%	1.59%	-0.1%
Pretax Income+	34.93M	39.22M	44.02M	58.65M	62.09M	55.97M	99.89M	62.52M	161.88M	144.96M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	10.79M	12.01M	16.45M	11.36M	11.57M	10.44M	18.34M	11.09M	31.39M	29.96M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.13%	0.01%	0.72%	0.07%	-0.1%	0.79%	-0.37%	1.54%	-0.12%
Net Income (Continuing)	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
EPS (Diluted)+	1.08	1.22	1.22	1.89	2.02	1.06	2.82	1.47	2.45	2.15
EPS Growth %	-	0.13%	0%	0.55%	0.07%	-0.48%	1.66%	-0.48%	0.67%	-0.12%
EPS (Basic)	1.11	1.25	1.23	1.90	2.03	1.06	2.85	1.48	2.45	2.15
Diluted Shares Outstanding	22.33M	22.33M	22.57M	25.02M	25.05M	29.14M	28.87M	35.01M	53.31M	53.58M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	435.3M	382.7M	326.2M	382.07M	372.06M	538.01M	757.51M	371.7M	399.24M	911.22M
Short Term Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.23B	2.35B	2.52B	2.67B	2.86B	3.14B	5.97B	9.47B	9.23B	9.03B
Investments Growth %	-	0.06%	0.07%	0.06%	0.07%	0.1%	0.9%	0.59%	-0.03%	-0.02%
Long-Term Investments	2.23B	2.35B	2.52B	2.61B	2.81B	2.94B	4.19B	7.66B	7.83B	7.85B
Accounts Receivables	0	0	0	0	0	0	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	80.95M	80.95M	80.95M	80.95M	80.95M	80.95M	223.64M	497.26M	497.32M	497.32M
Intangible Assets	8.88M	7.79M	6.77M	5.78M	4.94M	4.17M	14.66M	143.53M	116.71M	92.55M
PP&E (Net)	60.93M	57.51M	53.61M	51.62M	63.8M	74.44M	63.71M	126.8M	118.68M	111.86M
Other Assets	62.08M	65M	83.52M	85.36M	86.12M	98.87M	35.06M	247.24M	241.82M	223.16M
Total Current Assets	435.3M	382.7M	326.8M	439.76M	425.34M	738.69M	2.56B	2.22B	1.84B	2.13B
Total Non-Current Assets	2.45B	2.57B	2.75B	2.84B	3.05B	3.21B	4.54B	8.68B	8.81B	8.77B
Total Assets+	2.88B	2.95B	3.08B	3.28B	3.48B	3.95B	7.1B	10.9B	10.65B	10.91B
Asset Growth %	-	0.02%	0.04%	0.06%	0.06%	0.14%	0.8%	0.53%	-0.02%	0.02%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	1.75M	2.1M	11.29M	17.05M
Total Debt+	39.82M	36.75M	8.25M	4.07M	66.19M	66.45M	212.94M	173.29M	159.76M	70.11M
Net Debt	-395.49M	-345.95M	-318.55M	-378M	-305.88M	-471.56M	-544.56M	-198.41M	-239.47M	-841.11M
Long-Term Debt	37.73M	34.41M	6.73M	1.57M	50M	50M	198.8M	173.29M	159.76M	70.11M
Short-Term Debt	2.09M	2.34M	1.52M	2.5M	485K	0	0	0	0	0
Other Liabilities	15.13M	16.38M	23.65M	21.12M	24.25M	34.52M	26.15M	74.24M	81.6M	82.39M
Total Current Liabilities	2.49B	2.54B	2.6B	2.77B	2.85B	3.3B	6.05B	9.27B	8.88B	9.15B
Total Non-Current Liabilities	52.85M	50.78M	30.37M	22.69M	89.95M	100.97M	239.09M	247.53M	241.37M	152.49M
Total Liabilities	2.54B	2.59B	2.63B	2.79B	2.94B	3.4B	6.29B	9.52B	9.13B	9.3B
Total Equity+	344.31M	357.64M	446.21M	487.63M	535.72M	546.45M	816.47M	1.38B	1.52B	1.61B
Equity Growth %	-	0.04%	0.25%	0.09%	0.1%	0.02%	0.49%	0.69%	0.1%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.08%	0.07%	0.1%	0.1%	0.08%	0.12%	0.05%	0.09%	0.07%
Book Value per Share	15.42	16.02	19.77	19.49	21.38	18.75	28.28	39.51	28.53	30.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	229.72K	230K	257K	258K	258K	255K	289K	530K	533K	534K
Additional Paid-in Capital	281.16M	278.5M	343.25M	344.5M	346.56M	339.33M	530.85M	1.22B	1.23B	1.24B
Retained Earnings	72.46M	95.27M	118.35M	160.63M	201.08M	214.46M	267.09M	303.15M	405.94M	492.64M
Accumulated OCI	1.41M	-922K	-389K	-2.98M	2.39M	6.78M	18.24M	-143.26M	-118.09M	-125.36M
Treasury Stock	-10.96M	-15.45M	-15.26M	-14.78M	-14.56M	-14.37M	-14.2M	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	32.83M	36.04M	35.59M	49.32M	56.09M	61.06M	107.38M	109.07M	168.22M	132.62M
Operating CF Growth %	-	0.1%	-0.01%	0.39%	0.14%	0.09%	0.76%	0.02%	0.54%	-0.21%
Net Income	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
Depreciation & Amortization	4.95M	4.43M	4.43M	4.29M	5.44M	7.64M	7.55M	14.25M	34.47M	32.03M
Deferred Taxes	-1.66M	601K	2.93M	-734K	-1.66M	-7.06M	2.78M	1.93M	10.25M	3.3M
Other Non-Cash Items	4.79M	2.58M	-1.86M	-3.19M	-1.57M	31.21M	5.33M	43.37M	-35.12M	-34.13M
Working Capital Changes	617K	1.19M	2.18M	65K	956K	-19.68M	6.18M	-10.96M	18.18M	5.66M
Cash from Investing+	-88.66M	-131.57M	-185.43M	-147.72M	-189.74M	-961.1M	-754.82M	73.76M	295.25M	246.09M
Purchase of Investments	-385.05M	-406.23M	-355.69M	-496.67M	-655.59M	-4.36B	-4.32B	-2.45B	-4.09B	-5.54B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-5.94M	0	0	0	0	0	0	370.45M	0	0
Other Investing	-26.9M	-64.92M	-166.73M	-134.56M	-187.94M	-588.77M	277.64M	-564.43M	-134.5M	543.08M
Cash from Financing+	-17K	42.73M	93.94M	154.27M	123.64M	976.56M	982.19M	-568.63M	-435.94M	133.27M
Dividends Paid	-4.49M	-4.39M	-4.41M	-4.98M	-8.76M	-9.96M	-9.7M	-15.38M	-27.7M	-28.31M
Share Repurchases	-4.42M	-11.08M	0	0	-3K	-18.58M	-5.66M	-23.61M	-76K	-2.84M
Stock Issued	0	0	71.76M	0	0	2.57M	0	77K	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	0	1000K	-485K	-1000K	-1000K	-1000K	-1000K
Other Financing	-15M	61.53M	54.27M	159.25M	82.4M	1B	1.06B	-503.65M	-394.24M	254.42M
Net Change in Cash+	-55.85M	-52.8M	-55.9M	55.87M	-10.01M	76.52M	334.74M	-385.8M	27.53M	511.98M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	490.75M	434.9M	382.1M	326.2M	382.07M	346.25M	422.77M	757.51M	371.7M	399.24M
Cash at End	434.9M	382.1M	326.2M	382.07M	372.06M	422.77M	757.51M	371.7M	399.24M	911.22M
Interest Paid	7.43M	8.37M	9.09M	10.8M	17.04M	40.7M	25.57M	33.69M	144.87M	188.64M
Income Taxes Paid	11.05M	11.39M	13.75M	11.63M	13.71M	15.1M	19.25M	15.05M	14M	27.4M
Free Cash Flow+	30.04M	36.04M	35.59M	48.03M	53.6M	53.88M	104.45M	105.25M	161.36M	127.96M
FCF Growth %	-	0.2%	-0.01%	0.35%	0.12%	0.01%	0.94%	0.01%	0.53%	-0.21%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.01%	7.75%	6.86%	10.13%	9.87%	8.42%	11.97%	4.68%	8.99%	7.35%
Return on Assets (ROA)	0.84%	0.93%	0.91%	1.49%	1.5%	1.23%	1.48%	0.57%	1.21%	1.07%
Net Interest Margin	3.4%	3.44%	3.5%	3.8%	3.91%	5.13%	3.22%	2.65%	4.1%	3.74%
Efficiency Ratio	57.85%	57.79%	59.32%	54.28%	51.99%	51.01%	53.32%	57.11%	47.21%	46.2%
Equity / Assets	11.94%	12.12%	14.48%	14.87%	15.4%	13.84%	11.49%	12.69%	14.29%	14.74%
Book Value / Share	15.42	16.02	19.77	19.49	21.38	18.75	28.28	39.51	28.53	30.01
NII Growth	-	3.75%	6.13%	15.67%	9.09%	49.04%	12.77%	26.42%	51.15%	-6.59%
Dividend Payout	18.59%	16.15%	16%	10.53%	17.33%	21.88%	11.89%	29.9%	21.22%	24.62%

Revenue by Segment

	2022	2023
Deposit Account Service Charge Fee	2.86M	4.77M
Deposit Account Service Charge Fee Growth	-	66.88%
Deposit Account Nonsufficient Funds Fee	834K	-
Deposit Account Nonsufficient Funds Fee Growth	-	-

Frequently Asked Questions

Valuation & Price

Stellar Bancorp, Inc. (STEL) has a price-to-earnings (P/E) ratio of 15.2x. This is roughly in line with market averages.

Growth & Financials

Stellar Bancorp, Inc. (STEL) grew revenue by 1.6% over the past year. Growth has been modest.

Yes, Stellar Bancorp, Inc. (STEL) is profitable, generating $101.9M in net income for fiscal year 2024 (18.4% net margin).

Dividend & Returns

Yes, Stellar Bancorp, Inc. (STEL) pays a dividend with a yield of 1.61%. This makes it attractive for income-focused investors.

Stellar Bancorp, Inc. (STEL) has a return on equity (ROE) of 7.4%. 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 46.2%. This is excellent, indicating strong cost control.

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Stellar Bancorp, Inc. (STEL) 10-Year Financial Performance & Capital Metrics

STEL • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $408M -6.6%
Total Revenue $625M +1.6%
Net Income $115M -11.9%
Return on Equity 7.35% -18.2%
Net Interest Margin 3.74% -8.8%
Efficiency Ratio 46.2% -2.1%
ROA 1.07% -11.9%
Equity / Assets 14.74% +3.2%
Book Value per Share 30.01 +5.2%
Tangible BV/Share 19.00 +11.7%
Debt/Equity 0.04 -58.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 17.9%
✓Strong NIM of 3.7%
✓Efficient operations: 46.2% efficiency ratio
✓Well capitalized: 14.7% equity/assets
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y29.68%

3Y33.69%

TTM-

Profit (Net Income) CAGR

10Y-

5Y17.88%

3Y12.14%

TTM-12.92%

EPS CAGR

10Y-

5Y1.26%

3Y-8.65%

TTM-11.42%

ROCE

10Y Avg9.42%

5Y Avg8.59%

3Y Avg7.48%

Latest8.23%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	97.87M	101.55M	107.77M	124.66M	135.99M	202.68M	228.56M	288.96M	436.76M	407.99M
NII Growth %	-	0.04%	0.06%	0.16%	0.09%	0.49%	0.13%	0.26%	0.51%	-0.07%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	105.53M	109.95M	116.66M	135.76M	153.4M	241.76M	253.18M	322.99M	590.82M	602.4M
Interest Expense	7.65M	8.4M	8.88M	11.1M	17.41M	39.08M	24.62M	34.04M	154.06M	194.41M
Loan Loss Provision	6.95M	4.58M	-338K	-1.76M	2.38M	27.37M	-2.32M	50.71M	8.94M	-2.88M
Non-Interest Income+	12M	13.71M	12.56M	12.98M	17.16M	8.16M	8.56M	20.35M	24.56M	23.05M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	117.52M	123.66M	129.22M	148.74M	170.56M	249.92M	261.75M	343.35M	615.38M	625.45M
Revenue Growth %	-	0.05%	0.04%	0.15%	0.15%	0.47%	0.05%	0.31%	0.79%	0.02%
Non-Interest Expense	67.99M	71.46M	76.65M	80.74M	88.68M	127.49M	139.55M	196.08M	290.49M	288.96M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	34.93M	39.22M	44.02M	58.65M	62.09M	55.97M	99.89M	62.52M	161.88M	144.96M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.12%	0.12%	0.33%	0.06%	-0.1%	0.78%	-0.37%	1.59%	-0.1%
Pretax Income+	34.93M	39.22M	44.02M	58.65M	62.09M	55.97M	99.89M	62.52M	161.88M	144.96M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	10.79M	12.01M	16.45M	11.36M	11.57M	10.44M	18.34M	11.09M	31.39M	29.96M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.13%	0.01%	0.72%	0.07%	-0.1%	0.79%	-0.37%	1.54%	-0.12%
Net Income (Continuing)	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
EPS (Diluted)+	1.08	1.22	1.22	1.89	2.02	1.06	2.82	1.47	2.45	2.15
EPS Growth %	-	0.13%	0%	0.55%	0.07%	-0.48%	1.66%	-0.48%	0.67%	-0.12%
EPS (Basic)	1.11	1.25	1.23	1.90	2.03	1.06	2.85	1.48	2.45	2.15
Diluted Shares Outstanding	22.33M	22.33M	22.57M	25.02M	25.05M	29.14M	28.87M	35.01M	53.31M	53.58M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	435.3M	382.7M	326.2M	382.07M	372.06M	538.01M	757.51M	371.7M	399.24M	911.22M
Short Term Investments	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.23B	2.35B	2.52B	2.67B	2.86B	3.14B	5.97B	9.47B	9.23B	9.03B
Investments Growth %	-	0.06%	0.07%	0.06%	0.07%	0.1%	0.9%	0.59%	-0.03%	-0.02%
Long-Term Investments	2.23B	2.35B	2.52B	2.61B	2.81B	2.94B	4.19B	7.66B	7.83B	7.85B
Accounts Receivables	0	0	0	0	0	0	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	80.95M	80.95M	80.95M	80.95M	80.95M	80.95M	223.64M	497.26M	497.32M	497.32M
Intangible Assets	8.88M	7.79M	6.77M	5.78M	4.94M	4.17M	14.66M	143.53M	116.71M	92.55M
PP&E (Net)	60.93M	57.51M	53.61M	51.62M	63.8M	74.44M	63.71M	126.8M	118.68M	111.86M
Other Assets	62.08M	65M	83.52M	85.36M	86.12M	98.87M	35.06M	247.24M	241.82M	223.16M
Total Current Assets	435.3M	382.7M	326.8M	439.76M	425.34M	738.69M	2.56B	2.22B	1.84B	2.13B
Total Non-Current Assets	2.45B	2.57B	2.75B	2.84B	3.05B	3.21B	4.54B	8.68B	8.81B	8.77B
Total Assets+	2.88B	2.95B	3.08B	3.28B	3.48B	3.95B	7.1B	10.9B	10.65B	10.91B
Asset Growth %	-	0.02%	0.04%	0.06%	0.06%	0.14%	0.8%	0.53%	-0.02%	0.02%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	1.75M	2.1M	11.29M	17.05M
Total Debt+	39.82M	36.75M	8.25M	4.07M	66.19M	66.45M	212.94M	173.29M	159.76M	70.11M
Net Debt	-395.49M	-345.95M	-318.55M	-378M	-305.88M	-471.56M	-544.56M	-198.41M	-239.47M	-841.11M
Long-Term Debt	37.73M	34.41M	6.73M	1.57M	50M	50M	198.8M	173.29M	159.76M	70.11M
Short-Term Debt	2.09M	2.34M	1.52M	2.5M	485K	0	0	0	0	0
Other Liabilities	15.13M	16.38M	23.65M	21.12M	24.25M	34.52M	26.15M	74.24M	81.6M	82.39M
Total Current Liabilities	2.49B	2.54B	2.6B	2.77B	2.85B	3.3B	6.05B	9.27B	8.88B	9.15B
Total Non-Current Liabilities	52.85M	50.78M	30.37M	22.69M	89.95M	100.97M	239.09M	247.53M	241.37M	152.49M
Total Liabilities	2.54B	2.59B	2.63B	2.79B	2.94B	3.4B	6.29B	9.52B	9.13B	9.3B
Total Equity+	344.31M	357.64M	446.21M	487.63M	535.72M	546.45M	816.47M	1.38B	1.52B	1.61B
Equity Growth %	-	0.04%	0.25%	0.09%	0.1%	0.02%	0.49%	0.69%	0.1%	0.06%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.08%	0.07%	0.1%	0.1%	0.08%	0.12%	0.05%	0.09%	0.07%
Book Value per Share	15.42	16.02	19.77	19.49	21.38	18.75	28.28	39.51	28.53	30.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	229.72K	230K	257K	258K	258K	255K	289K	530K	533K	534K
Additional Paid-in Capital	281.16M	278.5M	343.25M	344.5M	346.56M	339.33M	530.85M	1.22B	1.23B	1.24B
Retained Earnings	72.46M	95.27M	118.35M	160.63M	201.08M	214.46M	267.09M	303.15M	405.94M	492.64M
Accumulated OCI	1.41M	-922K	-389K	-2.98M	2.39M	6.78M	18.24M	-143.26M	-118.09M	-125.36M
Treasury Stock	-10.96M	-15.45M	-15.26M	-14.78M	-14.56M	-14.37M	-14.2M	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	32.83M	36.04M	35.59M	49.32M	56.09M	61.06M	107.38M	109.07M	168.22M	132.62M
Operating CF Growth %	-	0.1%	-0.01%	0.39%	0.14%	0.09%	0.76%	0.02%	0.54%	-0.21%
Net Income	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	81.55M	51.43M	130.5M	115M
Depreciation & Amortization	4.95M	4.43M	4.43M	4.29M	5.44M	7.64M	7.55M	14.25M	34.47M	32.03M
Deferred Taxes	-1.66M	601K	2.93M	-734K	-1.66M	-7.06M	2.78M	1.93M	10.25M	3.3M
Other Non-Cash Items	4.79M	2.58M	-1.86M	-3.19M	-1.57M	31.21M	5.33M	43.37M	-35.12M	-34.13M
Working Capital Changes	617K	1.19M	2.18M	65K	956K	-19.68M	6.18M	-10.96M	18.18M	5.66M
Cash from Investing+	-88.66M	-131.57M	-185.43M	-147.72M	-189.74M	-961.1M	-754.82M	73.76M	295.25M	246.09M
Purchase of Investments	-385.05M	-406.23M	-355.69M	-496.67M	-655.59M	-4.36B	-4.32B	-2.45B	-4.09B	-5.54B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-5.94M	0	0	0	0	0	0	370.45M	0	0
Other Investing	-26.9M	-64.92M	-166.73M	-134.56M	-187.94M	-588.77M	277.64M	-564.43M	-134.5M	543.08M
Cash from Financing+	-17K	42.73M	93.94M	154.27M	123.64M	976.56M	982.19M	-568.63M	-435.94M	133.27M
Dividends Paid	-4.49M	-4.39M	-4.41M	-4.98M	-8.76M	-9.96M	-9.7M	-15.38M	-27.7M	-28.31M
Share Repurchases	-4.42M	-11.08M	0	0	-3K	-18.58M	-5.66M	-23.61M	-76K	-2.84M
Stock Issued	0	0	71.76M	0	0	2.57M	0	77K	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	0	1000K	-485K	-1000K	-1000K	-1000K	-1000K
Other Financing	-15M	61.53M	54.27M	159.25M	82.4M	1B	1.06B	-503.65M	-394.24M	254.42M
Net Change in Cash+	-55.85M	-52.8M	-55.9M	55.87M	-10.01M	76.52M	334.74M	-385.8M	27.53M	511.98M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	490.75M	434.9M	382.1M	326.2M	382.07M	346.25M	422.77M	757.51M	371.7M	399.24M
Cash at End	434.9M	382.1M	326.2M	382.07M	372.06M	422.77M	757.51M	371.7M	399.24M	911.22M
Interest Paid	7.43M	8.37M	9.09M	10.8M	17.04M	40.7M	25.57M	33.69M	144.87M	188.64M
Income Taxes Paid	11.05M	11.39M	13.75M	11.63M	13.71M	15.1M	19.25M	15.05M	14M	27.4M
Free Cash Flow+	30.04M	36.04M	35.59M	48.03M	53.6M	53.88M	104.45M	105.25M	161.36M	127.96M
FCF Growth %	-	0.2%	-0.01%	0.35%	0.12%	0.01%	0.94%	0.01%	0.53%	-0.21%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	7.01%	7.75%	6.86%	10.13%	9.87%	8.42%	11.97%	4.68%	8.99%	7.35%
Return on Assets (ROA)	0.84%	0.93%	0.91%	1.49%	1.5%	1.23%	1.48%	0.57%	1.21%	1.07%
Net Interest Margin	3.4%	3.44%	3.5%	3.8%	3.91%	5.13%	3.22%	2.65%	4.1%	3.74%
Efficiency Ratio	57.85%	57.79%	59.32%	54.28%	51.99%	51.01%	53.32%	57.11%	47.21%	46.2%
Equity / Assets	11.94%	12.12%	14.48%	14.87%	15.4%	13.84%	11.49%	12.69%	14.29%	14.74%
Book Value / Share	15.42	16.02	19.77	19.49	21.38	18.75	28.28	39.51	28.53	30.01
NII Growth	-	3.75%	6.13%	15.67%	9.09%	49.04%	12.77%	26.42%	51.15%	-6.59%
Dividend Payout	18.59%	16.15%	16%	10.53%	17.33%	21.88%	11.89%	29.9%	21.22%	24.62%

Revenue by Segment

	2022	2023
Deposit Account Service Charge Fee	2.86M	4.77M
Deposit Account Service Charge Fee Growth	-	66.88%
Deposit Account Nonsufficient Funds Fee	834K	-
Deposit Account Nonsufficient Funds Fee Growth	-	-

Frequently Asked Questions

Valuation & Price

Stellar Bancorp, Inc. (STEL) has a price-to-earnings (P/E) ratio of 15.2x. This is roughly in line with market averages.

Growth & Financials

Stellar Bancorp, Inc. (STEL) grew revenue by 1.6% over the past year. Growth has been modest.

Yes, Stellar Bancorp, Inc. (STEL) is profitable, generating $101.9M in net income for fiscal year 2024 (18.4% net margin).

Dividend & Returns

Yes, Stellar Bancorp, Inc. (STEL) pays a dividend with a yield of 1.61%. This makes it attractive for income-focused investors.

Stellar Bancorp, Inc. (STEL) has a return on equity (ROE) of 7.4%. 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 46.2%. This is excellent, indicating strong cost control.