Stellar Bancorp, Inc. (STEL) Revenue History
Annual and quarterly revenue from 2015 to present
STEL Revenue Over Time (2015–2025)
STEL Revenue Growth History
9 of 10 years with positive growth- FY2015 revenue growth
- N/A
- FY2016 revenue growth
- +5.2%
- FY2017 revenue growth
- +4.5%
- FY2018 revenue growth
- +15.1%
- FY2019 revenue growth
- +14.7%
- FY2020 revenue growth
- +46.5%
- FY2021 revenue growth
- +4.7%
- FY2022 revenue growth
- +31.2%
- FY2023 revenue growth
- +79.2%
- FY2024 revenue growth
- +1.6%
- FY2025 revenue growth
- -4.7%
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $145.1M | — |
| Q4 2025 | $149.5M | — |
| Q3 2025 | $150.4M | — |
| Q2 2025 | $148.5M | — |
| Q1 2025 | $147.8M | — |
| Q4 2024 | $155.1M | — |
| Q3 2024 | $158.1M | — |
| Q2 2024 | $157.6M | — |
Multi-year avg. share of annual revenue by fiscal quarter
Revenue Breakdown (FY 2023)
STEL's revenue distribution by segment and geography for fiscal year 2023
By Product/Segment
STEL Revenue Analysis (2015–2025)
Current Revenue & Growth
As of June 29, 2026, Stellar Bancorp, Inc. (STEL) generated trailing twelve-month (TTM) revenue of $593.5 million, reflecting slight decline in growth of -1.8% year-over-year. The most recent quarter (Q1 2026) recorded $145.1 million in revenue, down 3.0% sequentially.
Historical Growth Trajectory
STEL's 5-year compound annual growth rate (CAGR) stands at +19.0%, indicating consistent double-digit revenue growth. The 3-year CAGR of +20.2% exceeds the 5-year average, indicating an acceleration in the most recent period. Stellar Bancorp, Inc.'s highest annual revenue of $625.4 million was recorded in 2024.
Revenue by Segment
STEL's revenue is primarily driven by Deposit Account Service Charge Fee (100%). With over half of revenue concentrated in Deposit Account Service Charge Fee, the company has a focused business model while developing other growth vectors.
Peer Comparison
Compared to Financial Services sector peers — including TCBK, IBOC, and FFIN. Compare STEL vs TCBK →
STEL Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| STELCurrent | $594M | -1.8% | +19.0% | 21.4% | |
 TCBK | $533M | - | - | 31.7% | |
 IBOC | $1.1B | - | - | 49.4% | |
 FFIN | $826M | - | - | 37.5% | |
 BOKF | $3.3B | - | - | 21.4% | |
 SBSI | $419M | - | - | 19.7% |
STEL Historical Revenue Data (2015–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $596.3M | - | $413.3M | 69.3% | $127.8M | 21.4% |
| 2024 | $625.4M | - | $433.9M | 69.4% | $145.0M | 23.2% |
| 2023 | $615.4M | - | $452.4M | 73.5% | $161.9M | 26.3% |
| 2022 | $343.3M | - | $258.6M | 75.3% | $62.5M | 18.2% |
| 2021 | $261.7M | - | $239.4M | 91.5% | $99.9M | 38.2% |
| 2020 | $249.9M | - | $183.5M | 73.4% | $56.0M | 22.4% |
| 2019 | $170.6M | - | $150.8M | 88.4% | $62.1M | 36.4% |
| 2018 | $148.7M | - | $139.4M | 93.7% | $58.7M | 39.4% |
| 2017 | $129.2M | - | $120.7M | 93.4% | $44.0M | 34.1% |
| 2016 | $123.7M | - | $110.7M | 89.5% | $39.2M | 31.7% |
| 2015 | $117.5M | - | $102.9M | 87.6% | $34.9M | 29.7% |
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
11+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
STEL — Frequently Asked Questions
Quick answers to the most common questions about buying STEL stock.
Is STEL's revenue growth accelerating or slowing?
STEL revenue growth is slowing. TTM revenue is $594M, up -1.8% year-over-year — below the 5-year CAGR of +19.0%. The deceleration suggests maturing end-markets or increased competition.
What is STEL's revenue history from 2015 to 2026?
Stellar Bancorp, Inc. (STEL) revenue history spans 2015 to 2026. TTM revenue as of 2026 is $594M, growing at -1.8% YoY. The 5-year CAGR is +19.0%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is STEL's long-term revenue growth rate (CAGR)?
Stellar Bancorp, Inc.'s 5-year revenue CAGR of +19.0% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of -1.8% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for STEL.
Why does STEL's quarterly revenue fluctuate?
STEL quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Stellar Bancorp, Inc.'s revenue data from 2015 to 2026 shows full historical quarterly detail on this page.
How is STEL's revenue distributed by segment?
STEL reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does STEL's revenue compare to industry peers?
Stellar Bancorp, Inc. (STEL) with TTM revenue of $594M and -1.8% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.