Stellar Bancorp, Inc. (STEL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 0 | 103.38M | 100.64M | 98.33M | 99.26M | 102.96M | 101.51M | 101.41M | 102.12M | 105.93M | 106.72M | 108.28M | 115.83M | 178.44M | 60.69M | 57.48M | 55.17M | 30.81M | 31.25M | 31.02M |
| NII Growth % | -100% | 0.41% | -0.85% | -3.03% | -2.8% | -2.81% | -4.89% | -6.35% | -11.84% | -40.64% | 75.85% | 88.37% | 109.94% | 479.18% | 94.21% | 85.32% | 66.73% | -5.26% | -1.45% | -3.55% |
| Net Interest Margin % | 0% | 0.96% | 0.95% | 0.94% | 0.95% | 0.94% | 0.95% | 0.95% | 0.95% | 0.99% | 1% | 1% | 1.09% | 1.64% | 1.42% | 1.33% | 1.24% | 0.43% | 0.74% | 0.76% |
| Interest Income | 0 | 144.04M | 145.41M | 142.7M | 142.32M | 150.02M | 151.78M | 152.18M | 148.42M | 152.18M | 151.27M | 146.96M | 140.41M | 208.21M | 67.88M | 62.84M | 60.3M | 32.23M | 32.7M | 32.51M |
| Interest Expense | 39.16M | 40.66M | 44.77M | 44.36M | 43.06M | 47.06M | 50.27M | 50.77M | 46.3M | 46.24M | 44.55M | 38.68M | 24.59M | 29.76M | 7.19M | 5.36M | 5.13M | 1.42M | 1.45M | 1.49M |
| Loan Loss Provision | -39.16M | 5.13M | 305K | 1.09M | 3.63M | 942K | -5.99M | -1.94M | 4.1M | 1.05M | 2.31M | 1.92M | 3.67M | 49.14M | 1.96M | 2.14M | 1.81M | -1.21M | -4.89M | -5.08M |
| Non-Interest Income | 145.09M | 5.51M | 4.99M | 5.79M | 5.5M | 5.03M | 6.3M | 5.42M | 6.3M | 6.89M | 4.7M | 5.48M | 7.5M | 8.91M | 3M | 2.7M | 4.02M | 3.66M | 5.14M | 2.95M |
| Non-Interest Income % | 100% | 3.68% | 3.32% | 3.9% | 3.72% | 3.25% | 3.99% | 3.44% | 4.07% | 4.33% | 3.01% | 3.6% | 5.07% | 4.1% | 4.23% | 4.13% | 6.25% | 10.2% | 13.58% | 8.33% |
| Total Revenue | 145.09M | 149.55M | 150.4M | 148.49M | 147.82M | 155.05M | 158.08M | 157.59M | 154.72M | 159.06M | 155.96M | 152.44M | 147.91M | 217.12M | 70.88M | 65.54M | 64.32M | 35.89M | 37.83M | 35.46M |
| Revenue Growth % | -1.85% | -3.55% | -4.86% | -5.78% | -4.46% | -2.52% | 1.36% | 3.38% | 4.6% | -26.74% | 120.05% | 132.58% | 129.96% | 504.95% | 87.34% | 84.84% | 72.06% | -4.02% | 0.93% | -4.12% |
| Non-Interest Expense | 1.69M | 72.16M | 73.14M | 70M | 70.17M | 75.27M | 71.07M | 71.22M | 71.41M | 77.94M | 70.75M | 69.21M | 72.6M | 119.22M | 44.03M | 37.9M | 34.52M | 34.39M | 23.95M | 24.66M |
| Efficiency Ratio | 1.16% | 48.25% | 48.63% | 47.14% | 47.47% | 48.54% | 44.96% | 45.19% | 46.15% | 49% | 45.36% | 45.4% | 49.08% | 54.91% | 62.12% | 57.83% | 53.66% | 95.83% | 63.29% | 69.54% |
| Operating Income | 33.38M | 31.6M | 32.18M | 33.03M | 30.96M | 31.78M | 42.73M | 37.55M | 32.91M | 33.83M | 38.35M | 42.64M | 47.06M | 18.99M | 17.69M | 20.14M | 22.86M | 1.28M | 17.33M | 14.39M |
| Operating Margin % | 23.01% | 21.13% | 21.4% | 22.25% | 20.95% | 20.5% | 27.03% | 23.82% | 21.27% | 21.27% | 24.59% | 27.97% | 31.82% | 8.75% | 24.96% | 30.73% | 35.54% | 3.58% | 45.82% | 40.6% |
| Operating Income Growth % | 7.8% | -0.56% | -24.68% | -12.02% | -5.9% | -6.05% | 11.41% | -11.95% | -30.08% | 78.14% | 116.78% | 111.74% | 105.88% | 1377.82% | 2.07% | 39.9% | 82.81% | -89.74% | 123.23% | 432.75% |
| Pretax Income | 33.38M | 31.6M | 32.18M | 33.03M | 30.96M | 31.78M | 42.73M | 37.55M | 32.91M | 33.83M | 38.35M | 42.64M | 47.06M | 18.99M | 17.69M | 20.14M | 22.86M | 1.28M | 17.33M | 14.39M |
| Pretax Margin % | 23.01% | 21.13% | 21.4% | 22.25% | 20.95% | 20.5% | 27.03% | 23.82% | 21.27% | 21.27% | 24.59% | 27.97% | 31.82% | 8.75% | 24.96% | 30.73% | 35.54% | 3.58% | 45.82% | 40.6% |
| Income Tax | 6.41M | 5.45M | 6.51M | 6.68M | 6.26M | 6.57M | 8.84M | 7.79M | 6.76M | 6.56M | 7.45M | 7.47M | 9.91M | 2.61M | 3.41M | 3.7M | 4.2M | 1.83M | 2.91M | 2.69M |
| Effective Tax Rate % | 19.22% | 17.26% | 20.24% | 20.22% | 20.23% | 20.67% | 20.68% | 20.75% | 20.54% | 19.4% | 19.41% | 17.51% | 21.06% | 13.73% | 19.25% | 18.38% | 18.38% | 142.41% | 16.81% | 18.7% |
| Net Income | 26.97M | 26.15M | 25.67M | 26.35M | 24.7M | 25.21M | 33.89M | 29.75M | 26.15M | 27.27M | 30.91M | 35.17M | 37.15M | 16.38M | 14.29M | 16.44M | 18.66M | -545K | 14.42M | 11.7M |
| Net Margin % | 18.59% | 17.48% | 17.07% | 17.75% | 16.71% | 16.26% | 21.44% | 18.88% | 16.9% | 17.14% | 19.82% | 23.07% | 25.11% | 7.55% | 20.16% | 25.08% | 29.01% | -1.52% | 38.12% | 33% |
| Net Income Growth % | 9.17% | 3.71% | -24.26% | -11.43% | -5.53% | -7.53% | 9.65% | -15.41% | -29.61% | 66.43% | 116.35% | 114% | 99.11% | 3106.05% | -0.94% | 40.45% | 86.22% | -105.32% | 124.59% | 441.05% |
| Net Income (Continuing) | 26.97M | 26.15M | 25.67M | 26.35M | 24.7M | 25.21M | 33.89M | 29.75M | 26.15M | 27.27M | 30.91M | 35.17M | 37.15M | 16.38M | 14.29M | 16.44M | 18.66M | -545K | 14.42M | 11.7M |
| EPS (Diluted) | 0.53 | 0.51 | 0.50 | 0.51 | 0.46 | 0.47 | 0.63 | 0.56 | 0.49 | 0.51 | 0.58 | 0.66 | 0.70 | 0.04 | 0.52 | 0.48 | 0.64 | -0.02 | 0.59 | 0.48 |
| EPS Growth % | 15.22% | 8.51% | -20.63% | -8.93% | -6.12% | -7.84% | 8.62% | -15.15% | -30% | 1175% | 11.54% | 37.5% | 9.38% | 280.18% | -11.86% | 0% | 56.1% | -105.41% | 126.92% | 433.33% |
| EPS (Basic) | 0.53 | 0.51 | 0.50 | 0.51 | 0.46 | 0.52 | 0.63 | 0.56 | 0.49 | 0.51 | 0.58 | 0.66 | 0.70 | 0.05 | 0.52 | 0.48 | 0.65 | -0.02 | 0.59 | 0.48 |
| Diluted Shares Outstanding | 51.14M | 51.14M | 51.36M | 51.57M | 53.2M | 53.58M | 53.58M | 53.61M | 53.41M | 53.36M | 53.38M | 53.38M | 53.14M | 35.01M | 24.46M | 24.59M | 24.61M | 24.57M | 24.54M | 24.57M |