Welcome to our dedicated page for Stellar Bancorp SEC filings (Ticker: STEL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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AMREP (AXR) FY 2025 10-K highlights
- Net income doubled to $12.7 m (EPS diluted $2.37) vs. $6.7 m ($1.25) in FY 2024, driven by stronger land sale margins and higher interest income.
- Revenue slipped 3 % to $49.7 m as undeveloped land and investment asset sales fell; homebuilding revenue rose 24 % to $21.2 m on 50 home closings.
- Margin mix shift: land sale gross margin expanded to 52 % (36 %), while homebuilding margin compressed to 21 % (25 %). Operating income improved 59 % to $12.1 m.
- Balance-sheet strength: cash, cash equivalents & U.S. treasuries grew 32 % to $39.9 m; notes payable fell to just $26 k, leaving AXR effectively debt-free. Real-estate inventory edged up 1 % to $66.8 m.
- Backlog momentum: 88 homes in production (28 under contract worth $12.8 m) vs. 64 (20; $8.7 m) a year earlier.
- Land bank: ~16,600 owned acres plus 15,500 undeveloped acres in NM; 2025 land sales 719 acres (mostly undeveloped at low cost).
- Outlook: management warns FY 2026 developed-land revenue will decline as it slows new projects amid affordability, entitlement and infrastructure delays; rising costs and incentives continue to pressure home margins.
AXR remains a niche land developer/homebuilder concentrated in Rio Rancho, NM, with high cash, minimal leverage and exposure to housing demand and interest-rate volatility.
Stellar Bancorp (NYSE: STEL) filed a Form 8-K to furnish—not file—its second-quarter 2025 earnings materials. Exhibit 99.1 contains the full press release and Exhibit 99.2 the slide deck; neither document’s figures are reproduced in the filing, so no revenue, EPS or margin data are available in this text.
The company will host an investor conference call and webcast on Friday, July 25, 2025 at 8:00 a.m. CT to discuss results. Management reiterates that the furnished information is exempt from Section 18 liability and will not be incorporated into Securities Act filings unless specifically referenced. No other material corporate actions, transactions or governance changes are disclosed.
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