Stellar Bancorp, Inc. (STEL) Earnings History
Growth Compounder11 years of earnings data (2015–2025) · Consistent double-digit EPS growth over 5 years
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Stellar Bancorp, Inc. (STEL) Earnings Overview
As of June 28, 2026, Stellar Bancorp, Inc. (STEL) reported trailing twelve-month net income of $105M, reflecting -7.4% year-over-year growth. The company earned $2.06 per diluted share over the past four quarters, with a net profit margin of 17.3%.
Looking at the long-term picture, STEL's 5-year EPS compound annual growth rate (CAGR) stands at +13.4%, showing solid earnings momentum. The company achieved its highest annual net income of $130M in fiscal 2023.
Stellar Bancorp, Inc. maintains industry-leading profitability with a gross margin of 69.3%, operating margin of 21.4%, and net margin of 17.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including TCBK ($129M net income, 22.8% margin), IBOC ($418M net income, 39.1% margin), FFIN ($264M net income, 30.7% margin), STEL has room to improve margins relative to the peer group. Compare STEL vs TCBK →
STEL Earnings vs Peers
Earnings metrics vs comparable public companies
STEL Historical Earnings Data (2015–2025)
11 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $103M | -10.5% | $128M | $1.99 | 17.3% | 21.4% |
| 2024 | $115M | -11.9% | $145M | $2.15 | 18.4% | 23.2% |
| 2023 | $130M | +153.7% | $162M | $2.45 | 21.2% | 26.3% |
| 2022 | $51M | -36.9% | $63M | $1.47 | 15.0% | 18.2% |
| 2021 | $82M | +79.1% | $100M | $2.82 | 31.2% | 38.2% |
| 2020 | $46M | -9.9% | $56M | $1.06 | 18.2% | 22.4% |
| 2019 | $51M | +6.8% | $62M | $2.02 | 29.6% | 36.4% |
| 2018 | $47M | +71.5% | $59M | $1.89 | 31.8% | 39.4% |
| 2017 | $28M | +1.3% | $44M | $1.22 | 21.3% | 34.1% |
| 2016 | $27M | +12.7% | $39M | $1.22 | 22.0% | 31.7% |
| 2015 | $24M | - | $35M | $1.08 | 20.5% | 29.7% |
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STEL — Frequently Asked Questions
Quick answers to the most common questions about buying STEL stock.
What is STEL earnings per share (EPS)?
STEL trailing twelve-month (TTM) diluted EPS is $2.06, reflecting -7.4% year-over-year growth. The 5-year EPS CAGR is +13.4%. Complete EPS history from 2015 to 2025 is available in the table on this page.
What is Stellar Bancorp, Inc.'s net income?
Stellar Bancorp, Inc. (STEL) trailing twelve-month net income is $105M as of 2025. Earnings declined -7.4% year-over-year. Stellar Bancorp, Inc. has been profitable for 11 consecutive years.
Is STEL profitable?
Yes, STEL is profitable with a TTM net income of $105M and a net profit margin of +17.3%. Stellar Bancorp, Inc. has generated profits for 11 consecutive years.
What is STEL's earnings growth rate?
STEL compound annual EPS growth rates (CAGR): 1-Year: -7.4%, 3-Year: +10.6%, 5-Year: +13.4%, 10-Year: +6.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2015 to 2025.
What are STEL's profit margins?
Stellar Bancorp, Inc. net profit margin is +17.3%, operating margin is +21.4%, and gross margin is +69.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.3%.
Is STEL growing earnings?
STEL earnings are declining — EPS fell -7.4% year-over-year. TTM net income dropped to $105M. This contrasts with the 5-year CAGR of +13.4%.
What was STEL's best earnings year?
Stellar Bancorp, Inc.'s highest annual net income on record is $130M, achieved in fiscal year 2023. Earnings history on this page spans 2015 to 2025 and includes all annual and quarterly figures.
What were STEL's earnings last quarter?
STEL's most recent reported quarter was Q1 2026. Net income was $27M with diluted EPS of $0.53. For a full breakdown of all quarters, see the quarterly earnings table on this page.