Stellar Bancorp, Inc. (STEL) Revenue History
Annual and quarterly revenue from 2015 to 2025
Compound Annual Growth Rate (CAGR)
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STEL Revenue Growth
Revenue Breakdown (FY 2023)
STEL's revenue distribution by segment and geography for fiscal year 2023
By Product/Segment
STEL Revenue Analysis (2015–2025)
As of May 8, 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.
Looking at the longer-term picture, STEL's 5-year compound annual growth rate (CAGR) stands at +19.0%, indicating consistent double-digit revenue growth. The company achieved its highest annual revenue of $625.4 million in 2024.
Revenue diversification analysis shows STEL's business is primarily driven by Deposit Account Service Charge Fee (100%). With over half of revenue concentrated in Deposit Account Service Charge Fee, the company maintains significant focus in this area while developing other growth vectors.
When 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 | $739M | - | - | 36.8% | |
 BOKF | $3.4B | - | - | 19.8% | |
 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% |
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Start ComparisonSTEL — 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 slowed to -1.8%, below the 5-year CAGR of +19.0%. TTM revenue is $594M. The deceleration marks a shift from historical growth rates.
What is STEL's long-term revenue growth rate?
Stellar Bancorp, Inc.'s 5-year revenue CAGR of +19.0% reflects the variable expansion pattern. Current YoY growth of -1.8% is near this long-term average.
How is STEL's revenue distributed by segment?
STEL reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2015-2025 are available for download. Segment mix reveals concentration and diversification trends.