Stellar Bancorp Inc Financials
Stellar Bancorp Inc (STEL) reported $6.3M in revenue for fiscal year 2025, down 2.3% from the prior fiscal year. 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).
Balance-sheet repair is the clearest mechanic, with equity building and leverage easing while earnings power cools.
From FY2023 to FY2025, equity rose from$1.52B to$1.67B while assets stayed roughly flat. At the same time, debt-to-equity moved down from 6.0x to 5.5x even as net income and operating cash flow softened, which suggests capital strength is improving mainly through retained earnings rather than faster balance-sheet growth.
Return efficiency is slipping even without visible balance-sheet expansion: return on assets moved from
In FY2025, operating cash flow of
Financial Health Signals
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.
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.
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
Earnings & Revenue
Stellar Bancorp Inc generated $6.3M in revenue in fiscal year 2025. This represents a decrease of 2.3% from the prior year.
Stellar Bancorp Inc reported $102.9M in net income in fiscal year 2025. This represents a decrease of 10.5% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Stellar Bancorp Inc held $419.5M in cash as of fiscal year 2025; long-term debt is not reported for that period.
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.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
STEL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6.3M | $6.3M-2.3% | $6.4M+6.0% | $6.1M+64.3% | $3.7M-98.5% | $253.2M+4.7% | $241.8M+57.6% | $153.4M+13.0% | $135.8M+16.4% | $116.7M+6.1% | $110.0M+4.2% | $105.5M |
| 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 (Diluted) | — | $1.99-7.4% | $2.15-12.2% | $2.45 | $1.47-47.9% | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
STEL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
STEL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q2 FY2025 through Q1 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
STEL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 1637.6% | 1788.5% | 2152.0% | 1393.8% | 32.2%+13.4pp | 18.8%-14.1pp | 32.9%-1.9pp | 34.8%+11.2pp | 23.6%-1.1pp | 24.8%+1.9pp | 22.9% |
| 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 |
| FCF Margin | 1474.2% | 1990.0% | 2660.9% | 2852.4% | 41.3%+19.0pp | 22.3% | N/A | N/A | 29.7%-1.4pp | 31.1% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Stellar Bancorp Inc Ranks
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.
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.
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.