STEL (STEL)
Stellar Bancorp, Inc.
NASDAQ:STELFinancial Services · Banks - Regional
Mkt Cap-
Float50.68M
O/S-
Inst Own-
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$596.26M
Net Income$102.87M
Total Assets$10.81B
Free Cash Flow$92.61M
Debt & Equity
Debt 2%
Equity 98%
Total Debt$40.23M
Total Equity$1.67B
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in STEL's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$10.81B
Liabilities$9.14B
Accounts Receivable$35.87M
Accounts Payable$5.51M
Inventory$0
PP&E (Net)$109.75M
Goodwill$497.32M
Intangible Assets$71.02M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 |
| Revenue | $596.26M | $625.45M | $615.38M | $343.35M | $261.75M | $249.92M | $170.56M | $148.74M | $129.22M | $123.66M | $117.52M |
| YoY Growth | -4.7% | 1.6% | 79.2% | 31.2% | 4.7% | 46.5% | 14.7% | 15.1% | 4.5% | 5.2% | - |
| Cost of Revenue | $183.01M | $191.53M | $163M | $84.75M | $22.3M | $66.45M | $19.79M | $9.34M | $8.55M | $12.98M | $14.6M |
| Gross Profit | $413.25M | $433.92M | $452.38M | $258.6M | $239.45M | $183.47M | $150.77M | $139.39M | $120.67M | $110.68M | $102.92M |
| Gross Margin | 69.3% | 69.4% | 73.5% | 75.3% | 91.5% | 73.4% | 88.4% | 93.7% | 93.4% | 89.5% | 87.6% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $179.7M | $177.05M | $171.69M | $114.93M | $95.28M | $84.64M | $65.4M | $61.18M | $58.46M | $53.13M | $50.11M |
| Other | $105.77M | $111.91M | $118.8M | $81.15M | $44.28M | $42.85M | $23.28M | $19.56M | $18.19M | $18.34M | $17.89M |
| Total Operating Expenses | $285.47M | $288.96M | $290.49M | $196.08M | $139.55M | $127.49M | $88.68M | $80.74M | $76.65M | $71.46M | $67.99M |
| Operating Income (EBIT) | $127.78M | $144.96M | $161.88M | $62.52M | $99.89M | $55.97M | $62.09M | $58.65M | $44.02M | $39.22M | $34.93M |
| Operating Margin | 21.4% | 23.2% | 26.3% | 18.2% | 38.2% | 22.4% | 36.4% | 39.4% | 34.1% | 31.7% | 29.7% |
| Interest Expense | $172.85M | $194.41M | $154.06M | $34.04M | $24.62M | $39.08M | $17.41M | $11.1M | $8.88M | $8.4M | $7.65M |
| Interest Income | $574.47M | $602.4M | $590.82M | $322.99M | $253.18M | $241.76M | $153.4M | $135.76M | $116.66M | $109.95M | $105.53M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $127.78M | $144.96M | $161.88M | $62.52M | $99.89M | $55.97M | $62.09M | $58.65M | $44.02M | $39.22M | $34.93M |
| Income Tax Expense | $24.91M | $29.96M | $31.39M | $11.09M | $18.34M | $10.44M | $11.57M | $11.36M | $16.45M | $12.01M | $10.79M |
| Net Income | $102.87M | $115M | $130.5M | $51.43M | $81.55M | $45.53M | $50.52M | $47.29M | $27.57M | $27.21M | $24.14M |
| Net Income Margin | 17.3% | 18.4% | 21.2% | 15.0% | 31.2% | 18.2% | 29.6% | 31.8% | 21.3% | 22.0% | 20.5% |
| Supplementary Data | |||||||||||
| EPS | 1.99 | 2.15 | 2.45 | 1.48 | 2.85 | 1.06 | 2.03 | 1.90 | 1.23 | 1.25 | 1.11 |
| Diluted EPS | 1.99 | 2.15 | 2.45 | 1.47 | 2.82 | 1.06 | 2.02 | 1.89 | 1.22 | 1.22 | 1.08 |
| Weighted Average OS | 51.75M | 53.54M | 53.23M | 34.74M | 28.66M | 28.96M | 24.93M | 24.86M | 22.46M | 21.84M | 21.84M |
| EBITDA | $157.42M | $176.99M | $196.35M | $76.78M | $107.44M | $63.61M | $67.53M | $62.95M | $48.46M | $43.64M | $39.88M |
| EBITDA Margin | 26.4% | 28.3% | 31.9% | 22.4% | 41.0% | 25.5% | 39.6% | 42.3% | 37.5% | 35.3% | 33.9% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 |
| Assets | |||||||||||
| Current Assets | |||||||||||
| Cash and Cash Equivalents | $419.45M | $911.22M | $399.24M | $371.7M | $757.51M | $538.01M | $372.06M | $382.07M | $326.2M | $382.7M | $435.3M |
| Short-Term Investments | $1.81B | $1.19B | $1.4B | $1.81B | $1.77B | $200.69M | $53.28M | $57.69M | $0 | $0 | $0 |
| Cash and Short-Term Investments | $2.22B | $2.1B | $1.79B | $2.18B | $2.53B | $738.69M | $425.34M | $439.76M | $326.8M | $382.7M | $435.3M |
| Accounts Receivable | $35.87M | $37.88M | $44.24M | $44.74M | $33.39M | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | -$2.13B | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $130.2M | $2.13B | $1.84B | $2.22B | $2.56B | $738.69M | $425.34M | $439.76M | $326.8M | $382.7M | $435.3M |
| Long-Term Assets | |||||||||||
| Property, Plant & Equipment Net | $109.75M | $111.86M | $118.68M | $126.8M | $63.71M | $74.44M | $63.8M | $51.62M | $53.61M | $57.51M | $60.93M |
| Goodwill | $497.32M | $497.32M | $497.32M | $497.26M | $223.64M | $80.95M | $80.95M | $80.95M | $80.95M | $80.95M | $80.95M |
| Intangible Assets | $71.02M | $92.55M | $116.71M | $143.53M | $14.66M | $4.17M | $4.94M | $5.78M | $6.77M | $7.79M | $8.88M |
| Long-Term Investments | $7.61B | $7.85B | $7.83B | $7.66B | $4.19B | $2.94B | $2.81B | $2.61B | $2.52B | $2.35B | $2.23B |
| Deferred Tax Assets | $0 | $0 | $0 | $0 | $9.97M | $10.7M | $7.43M | $7.2M | $5.78M | $9.03M | $8.43M |
| Other Long-Term Assets | $2.39B | $223.16M | $241.82M | $247.24M | $35.06M | $98.87M | $86.12M | $85.36M | $83.52M | $65M | $62.08M |
| Total Long-Term Assets | $10.68B | $8.77B | $8.81B | $8.68B | $4.54B | $3.21B | $3.05B | $2.84B | $2.75B | $2.57B | $2.45B |
| Other Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $10.81B | $10.91B | $10.65B | $10.9B | $7.1B | $3.95B | $3.48B | $3.28B | $3.08B | $2.95B | $2.88B |
| Liabilities | |||||||||||
| Current Liabilities | |||||||||||
| Accounts Payable | $5.51M | $17.05M | $11.29M | $2.1M | $1.75M | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 | $0 | $0 | $0 | $485K | $2.5M | $1.52M | $2.34M | $2.09M |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | -$11.27M | $9.12B | $8.87B | $9.27B | $6.05B | $3.3B | $2.85B | $2.77B | $2.6B | $2.54B | $2.48B |
| Total Current Liabilities | $4.09M | $9.15B | $8.88B | $9.27B | $6.05B | $3.3B | $2.85B | $2.77B | $2.6B | $2.54B | $2.49B |
| Long-Term Liabilities | |||||||||||
| Long-Term Debt | $40.23M | $70.11M | $159.76M | $173.29M | $198.8M | $50M | $50M | $1.57M | $6.73M | $34.41M | $37.73M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $9.1B | $82.39M | $81.6M | $74.24M | $26.15M | $34.52M | $24.25M | $21.12M | $23.65M | $16.38M | $15.13M |
| Total Long-Term Liabilities | $9.14B | $152.49M | $241.37M | $247.53M | $239.09M | $100.97M | $89.95M | $22.69M | $30.37M | $50.78M | $52.85M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $9.14B | $9.3B | $9.13B | $9.52B | $6.29B | $3.4B | $2.94B | $2.79B | $2.63B | $2.59B | $2.54B |
| Stockholders' Equity | |||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $509K | $534K | $533K | $530K | $289K | $255K | $258K | $258K | $257K | $230K | $230K |
| Retained Earnings | $566.22M | $492.64M | $405.94M | $303.15M | $267.09M | $214.46M | $201.08M | $160.63M | $118.35M | $95.27M | $72.46M |
| Comprehensive Income & Other | -$72.97M | -$125.36M | -$118.09M | -$143.26M | $18.24M | $6.78M | $2.39M | -$2.98M | -$389K | -$922K | $1.41M |
| Other Stockholders' Equity | $1.1B | $1.11B | $1.11B | $1.08B | $549.09M | $331.74M | $334.38M | $326.74M | $327.6M | $262.13M | $271.62M |
| Total Equity | $1.67B | $1.61B | $1.52B | $1.38B | $816.47M | $546.45M | $535.72M | $487.63M | $446.21M | $357.64M | $344.31M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $10.81B | $10.91B | $10.65B | $10.9B | $7.1B | $3.95B | $3.48B | $3.28B | $3.08B | $2.95B | $2.88B |
| Supplementary Data | |||||||||||
| Total Debt | $40.23M | $70.11M | $159.76M | $173.29M | $212.94M | $66.45M | $66.19M | $4.07M | $8.25M | $36.75M | $39.82M |
| Net Debt | -$379.23M | -$841.11M | -$239.47M | -$198.41M | -$544.56M | -$471.56M | -$305.88M | -$378M | -$318.55M | -$345.95M | -$395.49M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 |
| Operating Activities | |||||||||||
| Net Income | $102.87M | $115M | $130.5M | $51.43M | $81.55M | $45.53M | $50.52M | $47.29M | $27.57M | $27.21M | $24.14M |
| Depreciation & Amortization | $29.64M | $32.03M | $34.47M | $14.25M | $7.55M | $7.64M | $5.44M | $4.29M | $4.43M | $4.43M | $4.95M |
| Deferred Income Tax | -$1.74M | $3.3M | $10.25M | $1.93M | $2.78M | -$7.06M | -$1.66M | -$734K | $2.93M | $601K | -$1.66M |
| Stock-Based Compensation | $9.15M | $10.76M | $9.95M | $9.04M | $3.98M | $3.42M | $2.4M | $1.6M | $329K | $43K | $12K |
| Changes in Working Capital: | |||||||||||
| Accounts Receivable | -$6.39M | -$3.62M | -$2.32M | $2.62M | -$1.32M | -$24.71M | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | -$28.37M | $5.46M | $16.3M | -$16.4M | $4.64M | $2.4M | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | $3.47M | $3.82M | $4.2M | $2.82M | $2.86M | $2.63M | $956K | $65K | $2.18M | $1.19M | $617K |
| Total Working Capital Change | -$31.3M | $5.66M | $18.18M | -$10.96M | $6.18M | -$19.68M | $956K | $65K | $2.18M | $1.19M | $617K |
| Other Non-Cash Items | -$11.62M | -$34.13M | -$35.12M | $43.37M | $5.33M | $31.21M | -$1.57M | -$3.19M | -$1.86M | $2.58M | $4.79M |
| Net Cash from Operating | $97M | $132.62M | $168.22M | $109.07M | $107.38M | $61.06M | $56.09M | $49.32M | $35.59M | $36.04M | $32.83M |
| Investing Activities | |||||||||||
| Capital Expenditures | -$4.4M | -$4.66M | -$6.86M | -$3.81M | -$2.93M | -$7.18M | -$2.49M | -$1.29M | -$992K | -$1.88M | -$2.79M |
| Acquisitions | $0 | $0 | $0 | $370.45M | $0 | $0 | $0 | $0 | $0 | $0 | -$5.94M |
| Purchases of Investments | -$6.39B | -$5.54B | -$4.09B | -$2.45B | -$4.32B | -$4.36B | -$655.59M | -$496.67M | -$355.69M | -$406.23M | -$385.05M |
| Sales of Investments | $5.93B | $5.24B | $4.53B | $2.72B | $3.29B | $4B | $656.28M | $484.8M | $337.98M | $341.46M | $332.01M |
| Other Investing Activities | $112.19M | $543.08M | -$134.5M | -$564.43M | $277.64M | -$588.77M | -$187.94M | -$134.56M | -$166.73M | -$64.92M | -$26.9M |
| Net Cash from Investing | -$348.22M | $246.09M | $295.25M | $73.76M | -$754.82M | -$961.1M | -$189.74M | -$147.72M | -$185.43M | -$131.57M | -$88.66M |
| Financing Activities | |||||||||||
| Debt Repaid | $30M | $90M | $14M | $26M | $65.57M | - | -$50M | - | $27.68M | $3.32M | -$23.89M |
| Common Stock Issuance | -$980K | $0 | $0 | $77K | $0 | $2.57M | $0 | $0 | $71.76M | $0 | $0 |
| Common Stock Repurchases | -$73.35M | -$2.84M | -$76K | -$23.61M | -$5.66M | -$18.58M | -$3K | $0 | $0 | -$11.08M | -$4.42M |
| Dividends Paid | -$29.3M | -$28.31M | -$27.7M | -$15.38M | -$9.7M | -$9.96M | -$8.76M | -$4.98M | -$4.41M | -$4.39M | -$4.49M |
| Other Financing Activities | -$106.92M | $254.42M | -$394.24M | -$503.65M | $1.06B | $1B | $82.4M | $159.25M | $54.27M | $61.53M | -$15M |
| Net Cash from Financing | -$240.55M | $133.27M | -$435.94M | -$568.63M | $982.19M | $976.56M | $123.64M | $154.27M | $93.94M | $42.73M | -$17K |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$491.76M | $511.98M | $27.53M | -$385.8M | $334.74M | $76.52M | -$10.01M | $55.87M | -$55.9M | -$52.8M | -$55.85M |
| Supplementary Data | |||||||||||
| Operating Cash Flow | $97M | $132.62M | $168.22M | $109.07M | $107.38M | $61.06M | $56.09M | $49.32M | $35.59M | $36.04M | $32.83M |
| Capital Expenditure | -$4.4M | -$4.66M | -$6.86M | -$3.81M | -$2.93M | -$7.18M | -$2.49M | -$1.29M | -$992K | -$1.88M | -$2.79M |
| Free Cash Flow | $92.61M | $127.96M | $161.36M | $105.25M | $104.45M | $53.88M | $53.6M | $48.03M | $35.59M | $36.04M | $30.04M |
| Cash at Beginning | $911.22M | $399.24M | $371.7M | $757.51M | $422.77M | $346.25M | $382.07M | $326.2M | $382.1M | $434.9M | $490.75M |
| Cash at End | $419.45M | $911.22M | $399.24M | $371.7M | $757.51M | $422.77M | $372.06M | $382.07M | $326.2M | $382.1M | $434.9M |