Stellar Bancorp, Inc. (STEL) Earnings History
Annual and quarterly earnings data from 2015 to 2025
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STEL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
STEL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 69.3% | 21.4% | 17.3% |
| 2024 | 69.4% | 23.2% | 18.4% |
| 2023 | 73.5% | 26.3% | 21.2% |
| 2022 | 75.3% | 18.2% | 15.0% |
| 2021 | 91.5% | 38.2% | 31.2% |
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Stellar Bancorp, Inc. (STEL) Earnings Overview
As of May 8, 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 ($122M net income, 22.8% margin), IBOC ($418M net income, 39.1% margin), FFIN ($243M net income, 30.2% 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% |
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Start ComparisonSTEL — Frequently Asked Questions
Quick answers to the most common questions about buying STEL stock.
Is STEL growing earnings?
STEL EPS fell to $2.06, with earnings declining -7.4%. This contrasts with the 5-year CAGR of +13.4%. TTM net income dropped to $105M.
What are STEL's profit margins?
Stellar Bancorp, Inc. net margin is +17.3%, with operating margin at +21.4%. Above-average margins indicate pricing power.
How consistent are STEL's earnings?
STEL earnings data spans 2015-2025. The declining earnings trend is -7.4% YoY. Historical data enables comparison across business cycles.