What is Stellar Bancorp Inc's earnings per share (EPS)?

Stellar Bancorp Inc (STEL) reported diluted earnings per share of $1.99 for fiscal year 2025. This represents a -7.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Stellar Bancorp Inc Financials

STEL

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Stellar Bancorp Inc (STEL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 11 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 39/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Stellar Bancorp Inc's revenue declined 2.3% year-over-year, from $6.4M to $6.3M. This contraction results in a growth score of 29/100.

Leverage

Stellar Bancorp Inc has elevated debt relative to equity (D/E of 5.48), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Stellar Bancorp Inc converts 1474.2% of revenue into free cash flow ($92.6M). This strong cash generation earns a score of 100/100.

Returns

Stellar Bancorp Inc generates a 6.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is down from 7.1% the prior year.

Piotroski F-Score Weak

3/9

Stellar Bancorp Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Stellar Bancorp Inc generates $0.94 in operating cash flow ($97.0M OCF vs $102.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$6.3M

YoY-2.3%

5Y CAGR-51.8%

10Y CAGR-24.6%

Stellar Bancorp Inc generated $6.3M in revenue in fiscal year 2025. This represents a decrease of 2.3% from the prior year.

EBITDA

N/A

Net Income

$102.9M

YoY-10.5%

5Y CAGR+17.7%

10Y CAGR+15.6%

Stellar Bancorp Inc reported $102.9M in net income in fiscal year 2025. This represents a decrease of 10.5% from the prior year.

EPS (Diluted)

$1.99

YoY-7.4%

5Y CAGR+5.0%

10Y CAGR+6.5%

Stellar Bancorp Inc earned $1.99 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 7.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$92.6M

YoY-27.6%

5Y CAGR+11.4%

Stellar Bancorp Inc generated $92.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 27.6% from the prior year.

Cash & Debt

$419.5M

YoY-54.0%

5Y CAGR-0.2%

10Y CAGR-0.4%

Stellar Bancorp Inc held $419.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.57

YoY+7.5%

5Y CAGR+15.3%

10Y CAGR+11.0%

Stellar Bancorp Inc paid $0.57 per share in dividends in fiscal year 2025. This represents an increase of 7.5% from the prior year.

Shares Outstanding

51M

YoY-4.7%

5Y CAGR+15.6%

Stellar Bancorp Inc had 51M shares outstanding in fiscal year 2025. This represents a decrease of 4.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

1637.6%

YoY-151.0pp

5Y CAGR+1618.7pp

10Y CAGR+1614.7pp

Stellar Bancorp Inc's net profit margin was 1637.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 151.0 percentage points from the prior year.

Return on Equity

6.2%

YoY-1.0pp

5Y CAGR+0.2pp

10Y CAGR-0.8pp

Stellar Bancorp Inc's ROE was 6.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.0 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$73.4M

YoY+2481.0%

5Y CAGR+31.6%

10Y CAGR+32.4%

Stellar Bancorp Inc spent $73.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2481.0% from the prior year.

Capital Expenditures

$4.4M

YoY-5.7%

5Y CAGR-9.3%

Stellar Bancorp Inc invested $4.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 5.7% from the prior year.

STEL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$6.3M-2.3%	$6.4M+6.0%	$6.1M+64.3%	$3.7M-98.5%	$253.2M+4.7%	$241.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$172.8M-11.1%	$194.4M+26.2%	$154.1M+352.6%	$34.0M+38.2%	$24.6M-37.0%	$39.1M
Income Tax	$24.9M-16.8%	$30.0M-4.6%	$31.4M+183.0%	$11.1M-39.5%	$18.3M+75.7%	$10.4M
Net Income	$102.9M-10.5%	$115.0M-11.9%	$130.5M+153.7%	$51.4M-36.9%	$81.6M+79.1%	$45.5M
EPS (Diluted)	$1.99-7.4%	$2.15-12.2%	$2.45+66.7%	$1.47-47.9%	$2.82+80.8%	$1.56

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.6M+3.0%	$1.5M-1.0%	$1.6M-1.5%	$1.6M-0.4%	$1.6M-0.3%	$1.6M-3.3%	$1.6M+3.1%	$1.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$40.7M-9.2%	$44.8M+0.9%	$44.4M+3.0%	$43.1M-8.5%	$47.1M-6.4%	$50.3M-1.0%	$50.8M+9.6%	$46.3M
Income Tax	$5.5M-16.3%	$6.5M-2.5%	$6.7M+6.7%	$6.3M-4.7%	$6.6M-25.7%	$8.8M+13.4%	$7.8M+15.3%	$6.8M
Net Income	$26.1M+1.9%	$25.7M-2.6%	$26.4M+6.7%	$24.7M-2.0%	$25.2M-25.6%	$33.9M+13.9%	$29.8M+13.8%	$26.1M
EPS (Diluted)	N/A	$0.50-2.0%	$0.51+10.9%	$0.46	N/A	$0.63+12.5%	$0.56+14.3%	$0.49

STEL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$10.8B-0.9%	$10.9B+2.4%	$10.6B-2.3%	$10.9B+53.4%	$7.1B+79.9%	$3.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$419.5M-54.0%	$911.2M+128.2%	$399.2M+7.4%	$371.7M-50.9%	$757.5M+79.2%	$422.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M+122.3%	$223.6M0.0%	$223.6M
Total Liabilities	$9.1B-1.7%	$9.3B+1.9%	$9.1B-4.1%	$9.5B+51.3%	$6.3B+84.8%	$3.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.7B+3.8%	$1.6B+5.7%	$1.5B+10.0%	$1.4B+69.4%	$816.5M+7.6%	$758.7M
Retained Earnings	$566.2M+14.9%	$492.6M+21.4%	$405.9M+33.9%	$303.1M+13.5%	$267.1M+24.5%	$214.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$10.8B+1.7%	$10.6B+1.3%	$10.5B+0.6%	$10.4B-4.3%	$10.9B+2.6%	$10.6B-0.9%	$10.7B-0.1%	$10.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$419.5M-42.4%	$728.4M+26.0%	$578.1M+3.1%	$560.6M-38.5%	$911.2M+76.5%	$516.2M+5.3%	$490.3M+22.6%	$399.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M
Total Liabilities	$9.1B+1.8%	$9.0B+1.0%	$8.9B+0.7%	$8.8B-5.1%	$9.3B+3.3%	$9.0B-1.7%	$9.2B-0.4%	$9.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.7B+0.9%	$1.7B+3.1%	$1.6B-0.4%	$1.6B+0.2%	$1.6B-1.1%	$1.6B+3.9%	$1.6B+2.3%	$1.5B
Retained Earnings	$566.2M+3.4%	$547.7M+3.5%	$529.2M+3.8%	$510.1M+3.5%	$492.6M+3.7%	$474.9M+6.0%	$447.9M+5.4%	$425.1M

STEL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$97.0M-26.9%	$132.6M-21.2%	$168.2M+54.2%	$109.1M+1.6%	$107.4M+75.9%	$61.1M
Capital Expenditures	$4.4M-5.7%	$4.7M-32.0%	$6.9M+80.0%	$3.8M+30.0%	$2.9M-59.2%	$7.2M
Free Cash Flow	$92.6M-27.6%	$128.0M-20.7%	$161.4M+53.3%	$105.3M+0.8%	$104.4M+93.9%	$53.9M
Investing Cash Flow	-$348.2M-241.5%	$246.1M-16.7%	$295.3M+300.3%	$73.8M+109.8%	-$754.8M+21.5%	-$961.1M
Financing Cash Flow	-$240.5M-280.5%	$133.3M+130.6%	-$435.9M+23.3%	-$568.6M-157.9%	$982.2M+0.6%	$976.6M
Dividends Paid	$29.3M+3.5%	$28.3M+2.2%	$27.7M+80.1%	$15.4M+58.6%	$9.7M+18.8%	$8.2M
Share Buybacks	$73.4M+2481.0%	$2.8M	$0-100.0%	$23.6M+317.1%	$5.7M-69.5%	$18.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$13.3M-79.1%	$63.6M+147.0%	$25.8M+553.5%	-$5.7M-246.4%	$3.9M-93.5%	$59.5M+56.2%	$38.1M+22.5%	$31.1M
Capital Expenditures	$1.3M+11.1%	$1.1M-5.5%	$1.2M+57.3%	$770K-39.5%	$1.3M-30.7%	$1.8M+86.0%	$988K+75.2%	$564K
Free Cash Flow	$12.0M-80.8%	$62.5M+154.6%	$24.5M+480.6%	-$6.4M-347.6%	$2.6M-95.5%	$57.7M+55.4%	$37.1M+21.6%	$30.5M
Investing Cash Flow	-$478.7M-2021.8%	$24.9M+159.6%	-$41.8M-128.3%	$147.4M+29.8%	$113.5M-18.3%	$138.9M+34.5%	$103.3M+194.2%	-$109.6M
Financing Cash Flow	$156.4M+153.1%	$61.8M+84.2%	$33.5M+106.8%	-$492.3M-277.4%	$277.6M+260.9%	-$172.5M-239.1%	-$50.9M-164.4%	$79.0M
Dividends Paid	$7.6M+6.7%	$7.2M-0.5%	$7.2M-0.9%	$7.3M-2.8%	$7.5M+7.8%	$6.9M0.0%	$6.9M-0.4%	$7.0M
Share Buybacks	$9.1M+82.3%	$5.0M-75.8%	$20.6M-46.5%	$38.6M	$0-100.0%	$2.8M	$0	$0

STEL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1637.6%-151.0pp	1788.5%-363.5pp	2152.0%+758.2pp	1393.8%+1361.6pp	32.2%+13.4pp	18.8%
Return on Equity	6.2%-1.0pp	7.1%-1.4pp	8.6%+4.9pp	3.7%-6.3pp	10.0%+4.0pp	6.0%
Return on Assets	0.9%-0.1pp	1.1%-0.2pp	1.2%+0.8pp	0.5%-0.7pp	1.1%0.0pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.48-0.3	5.78-0.2	6.00-0.9	6.88-0.8	7.70+3.2	4.49
FCF Margin	1474.2%-515.8pp	1990.0%-670.9pp	2660.9%-191.6pp	2852.4%+2811.2pp	41.3%+19.0pp	22.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1642.5%-19.0pp	1661.5%-26.7pp	1688.1%+128.7pp	1559.5%-26.2pp	1585.7%-540.5pp	2126.2%+320.8pp	1805.4%+169.2pp	1636.2%
Return on Equity	1.6%+0.0pp	1.6%-0.1pp	1.6%+0.1pp	1.5%-0.0pp	1.6%-0.5pp	2.1%+0.2pp	1.9%+0.2pp	1.7%
Return on Assets	0.2%0.0pp	0.2%-0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%-0.1pp	0.3%+0.0pp	0.3%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.48+0.0	5.43-0.1	5.54+0.1	5.48-0.3	5.78+0.2	5.54-0.3	5.85-0.2	6.01
FCF Margin	755.4%-3288.8pp	4044.2%+2471.8pp	1572.5%+1979.6pp	-407.1%-571.0pp	163.8%-3455.4pp	3619.2%+1366.5pp	2252.7%+341.8pp	1910.9%

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Frequently Asked Questions

What is Stellar Bancorp Inc's annual revenue?

Stellar Bancorp Inc (STEL) reported $6.3M in total revenue for fiscal year 2025. This represents a -2.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Stellar Bancorp Inc's revenue growing?

Stellar Bancorp Inc (STEL) revenue declined by 2.3% year-over-year, from $6.4M to $6.3M in fiscal year 2025.

Is Stellar Bancorp Inc profitable?

Yes, Stellar Bancorp Inc (STEL) reported a net income of $102.9M in fiscal year 2025, with a net profit margin of 1637.6%.

What is Stellar Bancorp Inc's net profit margin?

Stellar Bancorp Inc (STEL) had a net profit margin of 1637.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Stellar Bancorp Inc pay dividends?

Yes, Stellar Bancorp Inc (STEL) paid $0.57 per share in dividends during fiscal year 2025.

What is Stellar Bancorp Inc's return on equity (ROE)?

Stellar Bancorp Inc (STEL) has a return on equity of 6.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Stellar Bancorp Inc's free cash flow?

Stellar Bancorp Inc (STEL) generated $92.6M in free cash flow during fiscal year 2025. This represents a -27.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Stellar Bancorp Inc's operating cash flow?

Stellar Bancorp Inc (STEL) generated $97.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Stellar Bancorp Inc's total assets?

Stellar Bancorp Inc (STEL) had $10.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Stellar Bancorp Inc's capital expenditures?

Stellar Bancorp Inc (STEL) invested $4.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Stellar Bancorp Inc buy back shares?

Yes, Stellar Bancorp Inc (STEL) spent $73.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Stellar Bancorp Inc have outstanding?

Stellar Bancorp Inc (STEL) had 51M shares outstanding as of fiscal year 2025.

What is Stellar Bancorp Inc's debt-to-equity ratio?

Stellar Bancorp Inc (STEL) had a debt-to-equity ratio of 5.48 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Stellar Bancorp Inc's return on assets (ROA)?

Stellar Bancorp Inc (STEL) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Stellar Bancorp Inc's Piotroski F-Score?

Stellar Bancorp Inc (STEL) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Stellar Bancorp Inc's earnings high quality?

Stellar Bancorp Inc (STEL) has an earnings quality ratio of 0.94x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Stellar Bancorp Inc?

Stellar Bancorp Inc (STEL) scores 39 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.