STEELE BANCORP INC Financials
This page shows STEELE BANCORP INC (STLE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 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).
Steele Bancorp’s larger balance sheet is doing the work, with steady leverage turning modest asset returns into stronger equity returns
Between FY2024 and FY2025, assets nearly doubled from$596.7M to$1.3B . With debt-to-equity essentially flat, the rise in ROA from0.8% to1.8% is what lifted equity returns despite lower revenue, meaning the improvement came from better use of the balance sheet rather than bigger reported sales.
Revenue moved down from
Cash conversion was positive but not one-for-one: operating cash flow of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of STEELE BANCORP INC's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
STEELE BANCORP INC's revenue surged 77.3% year-over-year to $47.0M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
STEELE BANCORP INC has elevated debt relative to equity (D/E of 9.65), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
STEELE BANCORP INC converts 27.8% of revenue into free cash flow ($13.1M). This strong cash generation earns a score of 88/100.
STEELE BANCORP INC's ROE of 19.3% shows moderate profitability relative to equity, earning a score of 45/100. This is up from 8.0% the prior year.
STEELE BANCORP INC passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, STEELE BANCORP INC generates $0.58 in operating cash flow ($13.3M OCF vs $22.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
STEELE BANCORP INC generated $47.0M in revenue in fiscal year 2025. This represents an increase of 77.3% from the prior year.
STEELE BANCORP INC reported $22.9M in net income in fiscal year 2025. This represents an increase of 410.8% from the prior year.
Cash & Balance Sheet
STEELE BANCORP INC generated $13.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 141.3% from the prior year.
STEELE BANCORP INC paid $1.49 per share in dividends in fiscal year 2025. This represents an increase of 2.8% from the prior year.
STEELE BANCORP INC had 3M shares outstanding in fiscal year 2025. This represents an increase of 83.2% from the prior year.
Margins & Returns
STEELE BANCORP INC's net profit margin was 48.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 31.8 percentage points from the prior year.
STEELE BANCORP INC's ROE was 19.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 11.3 percentage points from the prior year.
Capital Allocation
STEELE BANCORP INC invested $182K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 5.7% from the prior year.
STLE Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $17.2M-1.7% | $17.5M+21.2% | $14.4M+87.1% | $7.7M+4.1% | $7.4M+3.5% | $7.2M+5.0% | $6.8M+6.3% | $6.4M |
| 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 | $4.4M+36.5% | $3.2M-24.8% | $4.3M+127.8% | $1.9M+5.4% | $1.8M-16.9% | $2.2M+21.4% | $1.8M+0.3% | $1.8M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $5.0M-4.9% | $5.2M+14.6% | $4.6M+67.5% | $2.7M+2.2% | $2.7M+1.2% | $2.6M+4.9% | $2.5M+5.3% | $2.4M |
| Income Tax | $1.0M+708.8% | -$171K-262.9% | $105K-74.2% | $407K-2.9% | $419K+193.0% | $143K-49.3% | $282K+18.5% | $238K |
| Net Income | $4.9M-12.7% | $5.6M-59.2% | $13.7M+651.5% | $1.8M+0.8% | $1.8M+329.0% | $421K-69.5% | $1.4M+4.4% | $1.3M |
| EPS (Diluted) | $1.43 | N/A | $4.77+386.7% | $0.98+1.0% | $0.97 | N/A | $0.74+4.2% | $0.71 |
STLE Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.3B+0.6% | $1.3B+0.6% | $1.3B+99.2% | $629.2M+3.5% | $607.9M+1.9% | $596.7M | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.1B+0.3% | $1.1B+0.4% | $1.1B+99.7% | $570.2M+3.8% | $549.5M+1.6% | $540.8M | N/A | N/A |
| 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 | $122.1M+3.2% | $118.4M+3.0% | $114.9M+94.5% | $59.1M+1.2% | $58.4M+4.4% | $55.9M-0.6% | $56.2M+5.4% | $53.3M |
| Retained Earnings | $87.8M+5.9% | $83.0M+3.8% | $79.9M+20.6% | $66.3M+0.7% | $65.8M+2.8% | $64.0M | N/A | N/A |
STLE Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.7M-63.6% | $7.3M+205.7% | $2.4M-7.9% | $2.6M+181.6% | $924K-27.2% | $1.3M-22.7% | $1.6M-25.5% | $2.2M |
| Capital Expenditures | $260K+173.7% | $95K+111.1% | $45K+7.1% | $42K | $0 | $0-100.0% | $11K-66.7% | $33K |
| Free Cash Flow | $2.4M-66.7% | $7.2M+207.5% | $2.4M-8.1% | $2.6M+177.1% | $924K-27.2% | $1.3M-22.1% | $1.6M-24.9% | $2.2M |
| Investing Cash Flow | $2.0M+118.2% | -$11.1M-111.8% | $94.4M+782.8% | -$13.8M-142.4% | -$5.7M+75.9% | -$23.7M-185.5% | -$8.3M-155.5% | -$3.2M |
| Financing Cash Flow | $3.7M+397.2% | -$1.2M+98.1% | -$63.8M-431.5% | $19.2M+123.7% | $8.6M-1.7% | $8.7M-46.5% | $16.3M+110.7% | $7.8M |
| Dividends Paid | N/A | $2.6M | $0 | N/A | N/A | $1.4M | $0 | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
STLE Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 28.4%-3.6pp | 32.0%-62.9pp | 94.8%+71.2pp | 23.6%-0.8pp | 24.4%+18.5pp | 5.9%-14.4pp | 20.3%-0.4pp | 20.7% |
| Return on Equity | 4.0%-0.7pp | 4.7%-7.2pp | 11.9%+8.8pp | 3.1%0.0pp | 3.1%+2.3pp | 0.8%-1.7pp | 2.5%-0.0pp | 2.5% |
| Return on Assets | 0.4%-0.1pp | 0.4%-0.7pp | 1.1%+0.8pp | 0.3%-0.0pp | 0.3%+0.2pp | 0.1% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.39-0.3 | 9.65-0.3 | 9.91+0.3 | 9.65+0.2 | 9.42-0.3 | 9.67 | N/A | N/A |
| FCF Margin | 14.0%-27.4pp | 41.4%+25.1pp | 16.3%-16.9pp | 33.2%+20.7pp | 12.5%-5.3pp | 17.8%-6.2pp | 23.9%-10.0pp | 33.9% |
Frequently Asked Questions
What is STEELE BANCORP INC's annual revenue?
STEELE BANCORP INC (STLE) reported $47.0M in total revenue for fiscal year 2025. This represents a 77.3% 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 STEELE BANCORP INC's revenue growing?
STEELE BANCORP INC (STLE) revenue grew by 77.3% year-over-year, from $26.5M to $47.0M in fiscal year 2025.
Is STEELE BANCORP INC profitable?
Yes, STEELE BANCORP INC (STLE) reported a net income of $22.9M in fiscal year 2025, with a net profit margin of 48.7%.
What is STEELE BANCORP INC's net profit margin?
STEELE BANCORP INC (STLE) had a net profit margin of 48.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does STEELE BANCORP INC pay dividends?
Yes, STEELE BANCORP INC (STLE) paid $1.49 per share in dividends during fiscal year 2025.
What is STEELE BANCORP INC's return on equity (ROE)?
STEELE BANCORP INC (STLE) has a return on equity of 19.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is STEELE BANCORP INC's free cash flow?
STEELE BANCORP INC (STLE) generated $13.1M in free cash flow during fiscal year 2025. This represents a 141.3% 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 STEELE BANCORP INC's operating cash flow?
STEELE BANCORP INC (STLE) generated $13.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are STEELE BANCORP INC's total assets?
STEELE BANCORP INC (STLE) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are STEELE BANCORP INC's capital expenditures?
STEELE BANCORP INC (STLE) invested $182K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is STEELE BANCORP INC's debt-to-equity ratio?
STEELE BANCORP INC (STLE) had a debt-to-equity ratio of 9.65 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is STEELE BANCORP INC's return on assets (ROA)?
STEELE BANCORP INC (STLE) had a return on assets of 1.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is STEELE BANCORP INC's Piotroski F-Score?
STEELE BANCORP INC (STLE) 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are STEELE BANCORP INC's earnings high quality?
STEELE BANCORP INC (STLE) has an earnings quality ratio of 0.58x, 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 STEELE BANCORP INC?
STEELE BANCORP INC (STLE) 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.