Stellar Bancorp, Inc. financials

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STEL CIK 0001473844

Source: EDGAR filings · Built 2026-06-02T04:06:37Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 92.61M 127.96M 161.36M 105.25M 104.45M 53.88M
Net Debt -403.14M -892.94M -378.58M -348.57M -747.14M -406.32M
Net Margin 1637.57% 1788.54% 2152.00% 1393.82% — —
Return on Equity (ROE) 6.17% 7.15% 8.58% 3.72% 9.99% 6.00%
Return on Assets (ROA) 0.95% 1.05% 1.23% 0.47% 1.15% 1.15%
Debt-to-Equity 0.01× 0.01× 0.01× 0.02× 0.01× 0.02×
Effective Tax Rate 19.49% 20.67% 19.39% 17.74% 18.36% 18.65%
Cash Conversion Ratio 0.94× 1.15× 1.29× 2.12× 1.32× 1.34×
Accruals Ratio 0.00× -0.00× -0.00× -0.01× -0.00× -0.00×
SBC % of Revenue 145.67% 167.40% 164.00% 245.04% — —
CapEx Coverage 22.06× 28.44× 24.52× 28.62× 36.62× 8.50×
Free Cash Flow Per Share $1.79 $2.39 $3.03 $3.01 $3.62 $1.85

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 15.55× 13.19× 11.36× 20.04× 10.28× 16.35×
P/FCF 17.31× 11.86× 9.20× 9.80× 8.02× 13.80×
FCF Yield 5.78% 8.43% 10.87% 10.21% 12.47% 7.25%
P/S 250.70× 235.57× 244.66× 422.78× — —
P/B 0.94× 0.94× 0.98× 1.13× 1.02× 0.83×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 24.91M 29.96M 31.39M 11.09M 18.34M 10.44M
Net Income (Loss) Attributable to Parent 102.87M 115.00M 130.50M 51.43M 81.55M 45.53M
Earnings Per Share, Basic $1.99 $2.15 $2.45 $1.48 $2.85 $1.57
Weighted Average Number of Shares Outstanding, Basic 51.76M 53.47M 53.23M 34.74M 28.66M 28.96M
Earnings Per Share, Diluted $1.99 $2.15 $2.45 $1.47 $2.82 $1.56
Weighted Average Number of Shares Outstanding, Diluted 51.81M 53.51M 53.31M 35.01M 28.87M 29.14M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 419.45M 911.22M 399.24M 371.70M 757.51M —
Assets 10.81B 10.91B 10.65B 10.90B 7.10B 3.95B
Liabilities 9.14B 9.30B 9.13B 9.52B 6.29B 3.40B
Stockholders' Equity Attributable to Parent 1.67B 1.61B 1.52B 1.38B 816.47M 758.67M
Common Stock, Shares, Outstanding 50.90M 53.43M 53.29M 52.95M 28.85M 24.61M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 97.00M 132.62M 168.22M 109.07M 107.38M 61.06M
Payments to Acquire Property, Plant, and Equipment 4.40M 4.66M 6.86M 3.81M 2.93M 7.18M
Net Cash Provided by (Used in) Investing Activities -348.22M 246.09M 295.25M 73.76M -754.82M -961.10M
Payments for Repurchase of Common Stock 73.35M 2.84M 0 23.61M 5.66M 18.58M
Net Cash Provided by (Used in) Financing Activities -240.55M 133.27M -435.94M -568.63M 982.19M 976.56M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (STEL CIK 0001473844), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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