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. (STEL) Financials

STEL

Trailing 12 months to March 31, 2026

Revenue $429.7M +0.5% YoY

Net Income $105.1M -7.4% YoY

EPS (Diluted) $2.06 -2.8% YoY

Free Cash Flow $115.3M +26.7% YoY

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported Apr 28, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed Apr 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the STEL SEC filings page.

Stellar Bancorp, Inc. (STEL) reported $429.7M in revenue over the twelve months to Mar 31, 2026, up 0.5% from the prior twelve months. This page shows its 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).

Rhea AI STEL FY2025 2026-09-05

Balance-sheet scale is expanding, but declining returns and volatile portfolio cash flows make growth less earnings-accretive.

Cash conversion remains close to reported earnings: FY2025 operating cash flow was $97M against $103M of net income, while capital expenditures were only $4M. That makes free cash flow a useful earnings check, but the sharp swing in investing cash flow—from $246M in FY2024 to -$348M in FY2025—shows that balance-sheet and investment decisions, rather than fixed-asset spending, drive cash movement.

Returns have weakened despite a larger equity base: assets reached $10.8B in FY2025, yet return on assets fell to 1.0% from 1.2% in FY2023 and return on equity to 6.2% from 8.6%. The business is carrying more balance-sheet capacity without producing proportionate earnings.

Leverage is moving lower, with debt-to-equity declining from 7.7x in FY2021 to 5.5x in FY2025 as equity accumulated. However, net income fell from $130M in FY2023 to $103M in FY2025, so the stronger capital cushion has coincided with lower earnings efficiency rather than higher profitability.

Financial Health Signals

Financial health score not available

Stellar Bancorp, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

Stellar Bancorp, Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 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

$111.0M

YoY+6.0%

QoQ+2.0%

5Y CAGR+25.1%

10Y CAGR+14.3%

Stellar Bancorp, Inc. generated $111.0M in revenue in Q1 2026. This represents an increase of 6.0% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.

Net Income

$27.0M

YoY+9.2%

QoQ+3.1%

5Y CAGR+21.9%

10Y CAGR+15.3%

Stellar Bancorp, Inc. reported $27.0M in net income in Q1 2026. This represents an increase of 9.2% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.

EPS (Diluted)

$0.53

YoY+15.2%

QoQ+1.9%

5Y CAGR+5.3%

10Y CAGR+6.2%

Stellar Bancorp, Inc. earned $0.53 per diluted share (EPS) in Q1 2026. This represents an increase of 15.2% from the same quarter a year earlier. Against the prior quarter it is up 1.9%.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Free Cash Flow

$16.2M

YoY+351.8%

QoQ+35.0%

Stellar Bancorp, Inc. generated $16.2M in free cash flow in Q1 2026, representing cash available after capex. This represents an increase of 351.8% from the same quarter a year earlier. Against the prior quarter it is up 35.0%.

Cash & Debt

$549.6M

YoY-2.0%

QoQ+31.0%

5Y CAGR-1.9%

Stellar Bancorp, Inc. held $549.6M in cash as of Q1 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.15

YoY+7.1%

QoQ0.0%

5Y CAGR+2.9%

Stellar Bancorp, Inc. paid $0.15 per share in dividends in Q1 2026. This represents an increase of 7.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

51M

YoY-1.1%

QoQ0.0%

5Y CAGR+15.7%

Stellar Bancorp, Inc. had 51M shares outstanding in Q1 2026. This represents a decrease of 1.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

24.3%

YoY+0.7pp

QoQ+0.3pp

5Y change-3.4pp

10Y change+1.9pp

Stellar Bancorp, Inc.'s net profit margin was 24.3% in Q1 2026, showing the share of revenue converted to profit. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Return on Equity

1.6%

YoY+0.1pp

QoQ+0.1pp

5Y change-0.2pp

Stellar Bancorp, Inc.'s ROE was 1.6% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

Share Buybacks

$4.2M

YoY-89.2%

QoQ-54.2%

Stellar Bancorp, Inc. spent $4.2M on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 89.2% from the same quarter a year earlier. Against the prior quarter it is down 54.2%.

Capital Expenditures

$268K

YoY-65.2%

QoQ-78.9%

Stellar Bancorp, Inc. invested $268K in capex in Q1 2026, funding long-term assets and infrastructure. This represents a decrease of 65.2% from the same quarter a year earlier. Against the prior quarter it is down 78.9%.

R&D Spending

Not reported for Q1 2026.

STEL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

STEL quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Revenue	$429.7M	$423.4M-1.8%	$431.0M-6.6%	$461.3M+49.1%	$309.3M+30.4%	$237.1M+12.5%	$210.8M+36.4%	$154.6M+11.3%	$138.9M+13.9%	$122.0M+4.0%	$117.3M+3.9%	$112.8M
SG&A Expenses	$170.9M	$168.8M+2.1%	$165.4M+5.3%	$157.0M+46.0%	$107.6M+19.3%	$90.2M+12.5%	$80.2M-11.1%	$90.1M+9.9%	$82.0M+4.8%	$78.3M+6.5%	$73.5M+3.6%	$71.0M
Interest Expense	$169.0M	$172.8M-11.1%	$194.4M+26.2%	$154.1M+352.6%	$34.0M+38.2%	$24.6M-37.0%	$39.1M+124.5%	$17.4M+56.8%	$11.1M+24.9%	$8.9M+5.7%	$8.4M+9.8%	$7.7M
Income Tax	$25.1M	$24.9M-16.8%	$30.0M-4.6%	$31.4M+183.0%	$11.1M-39.5%	$18.3M+75.7%	$10.4M-9.8%	$11.6M+1.8%	$11.4M-30.9%	$16.5M+37.0%	$12.0M+11.3%	$10.8M
Net Income	$105.1M	$102.9M-10.5%	$115.0M-11.9%	$130.5M+153.7%	$51.4M-36.9%	$81.6M+79.1%	$45.5M-9.9%	$50.5M+6.8%	$47.3M+71.5%	$27.6M+1.3%	$27.2M+12.7%	$24.1M
EPS (Basic)	N/A	$1.99-7.4%	$2.15-12.2%	$2.45+65.5%	$1.48-48.1%	$2.85+81.5%	$1.57-22.7%	$2.03+6.8%	$1.90+54.5%	$1.230.0%	$1.23+15.0%	$1.07
EPS (Diluted)	$2.06	$1.99-7.4%	$2.15-12.2%	$2.45	$1.47	$2.82+80.8%	$1.56-22.8%	$2.02+6.9%	$1.89+54.9%	$1.220.0%	$1.22+15.1%	$1.06
Diluted Shares (Avg)	N/A	52M-3.2%	54M+0.4%	53M	35M	29M-0.9%	29M+16.3%	25M+0.1%	25M+10.8%	23M+1.5%	22M-1.9%	23M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Revenue	$111.0M+6.0%	$108.9M+0.8%	$105.6M-2.0%	$104.1M-2.5%	$104.8M-3.4%	$108.0M-4.3%	$107.8M-3.2%	$106.8M-6.1%
SG&A Expenses	$43.9M+5.1%	$42.9M-2.0%	$43.2M+5.0%	$40.9M+4.8%	$41.8M+1.0%	$43.8M+8.2%	$41.1M+4.1%	$39.1M+4.7%
Interest Expense	$39.2M-9.1%	$40.7M-13.6%	$44.8M-10.9%	$44.4M-12.6%	$43.1M-7.0%	$47.1M+1.8%	$50.3M+12.8%	$50.8M+31.3%
Income Tax	$6.4M+2.4%	$5.5M-17.0%	$6.5M-26.3%	$6.7M-14.3%	$6.3M-7.3%	$6.6M+0.1%	$8.8M+18.7%	$7.8M+4.4%
Net Income	$27.0M+9.2%	$26.1M+3.7%	$25.7M-24.3%	$26.4M-11.4%	$24.7M-5.5%	$25.2M-7.5%	$33.9M+9.7%	$29.8M-15.4%
EPS (Basic)	$0.53+15.2%	$0.51+8.5%	$0.50-20.6%	$0.51-8.9%	$0.46-6.1%	$0.47-7.8%	$0.63+8.6%	$0.56-15.2%
EPS (Diluted)	$0.53+15.2%	$0.52+10.6%	$0.50-20.6%	$0.51-8.9%	$0.46-6.1%	$0.47-7.8%	$0.63+8.6%	$0.56-15.2%
Diluted Shares (Avg)	51M-4.2%	N/A	51M-5.9%	52M-3.8%	53M-0.4%	N/A	55M+2.2%	54M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

STEL Balance Sheet

STEL quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Total Assets	$10.8B-0.9%	$10.9B+2.4%	$10.6B-2.3%	$10.9B+53.4%	$7.1B+79.9%	$3.9B+13.5%	$3.5B+6.1%	$3.3B+6.4%	$3.1B+4.4%	$3.0B	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+22.1%	$346.2M-9.4%	$382.1M+17.1%	$326.2M-14.6%	$382.1M-12.1%	$434.9M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M+122.3%	$223.6M0.0%	$223.6M0.0%	$223.6M+176.3%	$81.0M0.0%	$81.0M0.0%	$81.0M	N/A
Total Liabilities	$9.1B-1.7%	$9.3B+1.9%	$9.1B-4.1%	$9.5B+51.3%	$6.3B+84.8%	$3.4B+15.6%	$2.9B+5.4%	$2.8B+5.9%	$2.6B+1.6%	$2.6B	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+6.9%	$709.9M+45.6%	$487.6M+9.3%	$446.2M+24.8%	$357.6M+3.9%	$344.3M
Retained Earnings	$566.2M+14.9%	$492.6M+21.4%	$405.9M+33.9%	$303.1M+13.5%	$267.1M+24.5%	$214.5M+6.7%	$201.1M+25.2%	$160.6M+35.7%	$118.4M+24.2%	$95.3M	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Total Assets	$10.9B+4.4%	$10.8B-0.9%	$10.6B0.0%	$10.5B-2.2%	$10.4B-2.7%	$10.9B+2.4%	$10.6B-0.3%	$10.7B-0.5%
Cash & Equivalents	$549.6M-2.0%	$419.5M-54.0%	$728.4M+41.1%	$578.1M+17.9%	$560.6M+40.2%	$911.2M+128.2%	$516.2M+70.8%	$490.3M+61.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%	$497.3M0.0%
Total Liabilities	$9.2B+4.5%	$9.1B-1.7%	$9.0B-0.3%	$8.9B-2.9%	$8.8B-4.1%	$9.3B+1.9%	$9.0B-2.2%	$9.2B-1.7%
Total Equity	$1.7B+3.5%	$1.7B+3.8%	$1.7B+1.7%	$1.6B+2.4%	$1.6B+5.2%	$1.6B+5.7%	$1.6B+11.3%	$1.6B+7.3%
Retained Earnings	$585.4M+14.8%	$566.2M+14.9%	$547.7M+15.3%	$529.2M+18.1%	$510.1M+20.0%	$492.6M+21.4%	$474.9M+23.2%	$447.9M+23.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

STEL Cash Flow Statement

STEL quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Operating Cash Flow	$119.2M	$97.0M-26.9%	$132.6M-21.2%	$168.2M+54.2%	$109.1M+1.6%	$107.4M+75.9%	$61.1M+8.9%	$56.1M+13.7%	$49.3M+38.6%	$35.6M-1.3%	$36.0M+9.8%	$32.8M
Depreciation & Amortization	N/A	$29.6M-7.5%	$32.0M-7.1%	$34.5M+141.8%	$14.3M+88.8%	$7.5M-1.2%	$7.6M+40.4%	$5.4M+26.7%	$4.3M-3.1%	$4.4M+0.1%	$4.4M-10.5%	$4.9M
Stock-Based Compensation	N/A	$9.2M-15.0%	$10.8M+8.2%	$9.9M+10.0%	$9.0M+127.2%	$4.0M+16.2%	$3.4M+42.6%	$2.4M+50.0%	$1.6M+386.6%	$329K+665.1%	$43K+258.3%	$12K
Capital Expenditures	$3.9M	$4.4M-5.7%	$4.7M-32.0%	$6.9M+80.0%	$3.8M+30.0%	$2.9M-59.2%	$7.2M	N/A	N/A	$992K-47.3%	$1.9M	N/A
Free Cash Flow	$115.3M	$92.6M-27.6%	$128.0M-20.7%	$161.4M+53.3%	$105.3M+0.8%	$104.4M+93.9%	$53.9M	N/A	N/A	$34.6M+1.3%	$34.2M	N/A
Investing Cash Flow	-$463.8M	-$348.2M-241.5%	$246.1M-16.7%	$295.3M+300.3%	$73.8M+109.8%	-$754.8M+21.5%	-$961.1M-406.5%	-$189.7M-28.4%	-$147.7M+20.3%	-$185.4M-40.9%	-$131.6M-48.4%	-$88.7M
Financing Cash Flow	$333.6M	-$240.5M-280.5%	$133.3M+130.6%	-$435.9M+23.3%	-$568.6M-157.9%	$982.2M+0.6%	$976.6M+689.8%	$123.6M-19.9%	$154.3M+64.2%	$93.9M+119.8%	$42.7M+251476.5%	-$17K
Dividends Paid	$29.8M	$29.3M+3.5%	$28.3M+2.2%	$27.7M+80.1%	$15.4M+58.6%	$9.7M+18.8%	$8.2M-6.8%	$8.8M+75.9%	$5.0M+12.9%	$4.4M+0.4%	$4.4M-2.1%	$4.5M
Share Buybacks	$38.9M	$73.4M+2481.0%	$2.8M	$0-100.0%	$23.6M+317.1%	$5.7M-69.5%	$18.6M+619300.0%	$3K	N/A	N/A	$11.1M+150.8%	$4.4M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Cash Flow	$16.5M+390.7%	$13.3M+242.9%	$63.6M+6.9%	$25.8M-32.4%	-$5.7M-118.3%	$3.9M-87.6%	$59.5M+53.0%	$38.1M-22.2%
Depreciation & Amortization	$6.9M-9.1%	$7.0M-7.7%	$7.6M-6.8%	$7.5M-7.6%	$7.5M-7.7%	$7.6M-7.8%	$8.1M-8.0%	$8.2M-6.4%
Stock-Based Compensation	$2.0M-0.5%	N/A	$2.6M-13.3%	$2.6M-7.1%	$2.0M-30.9%	N/A	$3.0M+7.1%	$2.8M0.0%
Capital Expenditures	$268K-65.2%	$1.3M-0.1%	$1.1M-37.7%	$1.2M+22.6%	$770K+36.5%	$1.3M+2.7%	$1.8M-41.5%	$988K-20.4%
Free Cash Flow	$16.2M+351.8%	$12.0M+361.7%	$62.5M+8.3%	$24.5M-33.9%	-$6.4M-121.1%	$2.6M-91.3%	$57.7M+61.3%	$37.1M-22.2%
Investing Cash Flow	$31.8M-78.4%	-$478.7M-521.7%	$24.9M-82.1%	-$41.8M-140.5%	$147.4M+234.4%	$113.5M-29.3%	$138.9M+51.6%	$103.3M+164.6%
Financing Cash Flow	$81.8M+116.6%	$156.4M-43.6%	$61.8M+135.8%	$33.5M+165.9%	-$492.3M-722.9%	$277.6M+392.6%	-$172.5M-30.4%	-$50.9M-133.5%
Dividends Paid	$7.8M+7.0%	$7.6M+2.3%	$7.2M+3.4%	$7.2M+3.9%	$7.3M+4.4%	$7.5M+8.0%	$6.9M+0.1%	$6.9M+0.2%
Share Buybacks	$4.2M-89.2%	$9.1M	$5.0M+75.9%	$20.6M	$38.6M	$0	$2.8M	$0

STEL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

STEL quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Net Margin	24.3%-2.4pp	26.7%-1.6pp	28.3%+11.7pp	16.6%-17.8pp	34.4%+12.8pp	21.6%-11.1pp	32.7%-1.4pp	34.0%+11.4pp	22.6%-0.6pp	23.2%+1.8pp	21.4%
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%-1.1pp	7.1%-2.6pp	9.7%+3.5pp	6.2%-1.4pp	7.6%+0.6pp	7.0%
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%-0.3pp	1.5%0.0pp	1.4%+0.5pp	0.9%0.0pp	0.9%	N/A
Debt-to-Equity	5.48-0.3x	5.78-0.2x	6.00-0.9x	6.88-0.8x	7.70+3.2x	4.49+0.3x	4.15-1.6x	5.72-0.2x	5.90-1.3x	7.25	N/A
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.04	N/A
FCF Margin	21.9%-7.8pp	29.7%-5.3pp	35.0%+1.0pp	34.0%-10.0pp	44.0%+18.5pp	25.6%	N/A	N/A	28.4%-0.8pp	29.1%	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Net Margin	24.3%+0.7pp	24.0%+0.7pp	24.3%-7.1pp	25.3%-2.5pp	23.6%-0.5pp	23.4%-0.8pp	31.4%+3.7pp	27.9%-3.1pp
Return on Equity	1.6%+0.1pp	1.6%0.0pp	1.6%-0.5pp	1.6%-0.3pp	1.5%-0.2pp	1.6%-0.2pp	2.1%0.0pp	1.9%-0.5pp
Return on Assets	0.3%0.0pp	0.2%0.0pp	0.2%-0.1pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.3%0.0pp	0.3%-0.1pp
Debt-to-Equity	5.53+0.1x	5.48-0.3x	5.43-0.1x	5.54-0.3x	5.48-0.5x	5.78-0.2x	5.54-0.8x	5.85-0.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	14.6%+20.8pp	11.0%+8.6pp	59.2%+5.6pp	23.6%-11.2pp	-6.2%-34.3pp	2.4%-24.3pp	53.5%+21.4pp	34.8%-7.2pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	—
Coastal Financial Corporation CCB	FY2025	$541.7M	$47.0M	8.7%	$610.5M	53/100
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.7B	53/100
Veritex Holdings, Inc. VBTX	FY2024	$425.6M	$107.2M	25.2%	$1.7B	48/100
Live Oak Bancshares, Inc. LOB	FY2025	$577.8M	$105.9M	18.3%	$1.7B	37/100
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100

Where Stellar Bancorp, Inc. Ranks

Frequently Asked Questions

What is Stellar Bancorp, Inc.'s annual revenue?

Stellar Bancorp, Inc. (STEL) reported $423.4M in total revenue for fiscal year 2025. This represents a -1.8% 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 1.8% year-over-year, from $431.0M to $423.4M 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 24.3%.

What is Stellar Bancorp, Inc.'s net profit margin?

Stellar Bancorp, Inc. (STEL) had a net profit margin of 24.3% 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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.