Stellar Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Stellar Bancorp
STEL Stock  USD 30.76  0.18  0.58%   
Stellar Bancorp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Stellar Bancorp's valuation are provided below:
Gross Profit
416.5 M
Profit Margin
0.2447
Market Capitalization
1.6 B
Enterprise Value Revenue
3.9146
Revenue
416.5 M
There are over one hundred nineteen available fundamental trend indicators for Stellar Bancorp, which can be analyzed over time and compared to other ratios. We recommend to double-check Stellar Bancorp's current fundamental drivers against the all of the trends between 2010 and 2026.

Stellar Bancorp Total Revenue

755.23 Million

Check Stellar Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Stellar Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 38.7 M, Interest Expense of 234.7 M or Selling General Administrative of 100.3 M, as well as many indicators such as Price To Sales Ratio of 4.29, Dividend Yield of 0.0093 or PTB Ratio of 1.43. Stellar financial statements analysis is a perfect complement when working with Stellar Bancorp Valuation or Volatility modules.
  
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Check out the analysis of Stellar Bancorp Correlation against competitors.
For more information on how to buy Stellar Stock please use our How to buy in Stellar Stock guide.

Stellar Bancorp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets6.5 B12.5 B5.4 B
Slightly volatile
Short and Long Term Debt Total92.1 M80.6 M71.1 M
Slightly volatile
Other Current Liabilities5.5 B10.5 B4.6 B
Slightly volatile
Total Current Liabilities5.5 B10.5 B4.6 B
Slightly volatile
Total Stockholder Equity1.9 B1.8 B797.6 M
Slightly volatile
Property Plant And Equipment Net86.1 M128.6 M76.6 M
Slightly volatile
Retained Earnings594.9 M566.5 M226.8 M
Slightly volatile
Cash536.4 M1 B508 M
Slightly volatile
Non Current Assets Total5.2 B10.1 B4.4 B
Slightly volatile
Non Currrent Assets Other135.1 M256.6 M113.6 M
Slightly volatile
Other Assets9.7 B9.3 B4.1 B
Slightly volatile
Cash And Short Term Investments1.2 B2.4 B1 B
Slightly volatile
Good Will600.5 M571.9 M222.3 M
Slightly volatile
Common Stock Shares Outstanding34.9 M61.6 M30.9 M
Slightly volatile
Liabilities And Stockholders Equity6.5 B12.5 B5.4 B
Slightly volatile
Non Current Liabilities Total135.1 M175.4 M106 M
Slightly volatile
Other Stockholder Equity1.5 B1.4 B608.7 M
Slightly volatile
Total Liabilities5.6 B10.7 B4.7 B
Slightly volatile
Total Current Assets1.3 B2.5 B1 B
Slightly volatile
Short Term Debt3 M4.8 M2.7 M
Slightly volatile
Intangible Assets111.7 M106.4 M39.3 M
Slightly volatile
Common Stock371.1 K614.1 K324 K
Slightly volatile
Other Current Assets506.6 M510 M440.7 M
Slightly volatile
Short Term Investments890.3 M1.4 B513.7 M
Slightly volatile
Other Liabilities27.1 M48.1 M22.5 M
Slightly volatile
Net Tangible Assets606.2 M853.7 M548.6 M
Slightly volatile
Accounts Payable14.6 M15.3 M2.5 B
Slightly volatile
Long Term Debt77.1 M80.6 M38.9 M
Slightly volatile
Net Invested Capital1.1 B1.9 B833.7 M
Slightly volatile
Long Term Investments2 B1.9 B694 M
Slightly volatile
Capital Stock411.9 K614.1 K335.9 K
Slightly volatile
Property Plant Equipment81.3 M145.8 M69.7 M
Slightly volatile
Capital Lease Obligations12.3 M12.7 M15 M
Slightly volatile
Property Plant And Equipment Gross119.5 M169.2 M89.1 M
Slightly volatile
Net Receivables44.1 M43.6 M36.2 M
Slightly volatile
Common Stock Total Equity430.6 K609.5 K333.3 K
Slightly volatile
Retained Earnings Total Equity297.2 M348.6 M258.9 M
Slightly volatile
Capital Surpluse857.2 M1.4 B586 M
Slightly volatile
Non Current Liabilities Other66.7 M66.8 M86.3 M
Slightly volatile
Long Term Debt Total87.5 M98.4 M107.4 M
Slightly volatile

Stellar Bancorp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization38.7 M36.8 M12.9 M
Slightly volatile
Interest Expense234.7 M223.6 M58.6 M
Slightly volatile
Selling General Administrative100.3 M198.9 M85.7 M
Slightly volatile
Selling And Marketing Expenses5 M4.7 M2 M
Slightly volatile
Total Revenue755.2 M719.3 M285.2 M
Slightly volatile
Gross Profit524 M499 M219.4 M
Slightly volatile
Other Operating Expenses580.2 M552.6 M209.8 M
Slightly volatile
Operating Income84.1 M166.7 M70 M
Slightly volatile
EBIT84.1 M166.7 M70 M
Slightly volatile
EBITDA213.7 M203.5 M88.2 M
Slightly volatile
Cost Of Revenue231.3 M220.3 M65.8 M
Slightly volatile
Total Operating Expenses348.9 M332.3 M144.1 M
Slightly volatile
Income Before Tax84.1 M166.7 M70 M
Slightly volatile
Net Income138.9 M132.3 M58.4 M
Slightly volatile
Income Tax Expense18 M34.5 M15.9 M
Slightly volatile
Tax Provision36.2 M34.5 M15.7 M
Slightly volatile
Net Interest Income260.7 M469.2 M199.2 M
Slightly volatile
Interest Income727.4 M692.8 M268.4 M
Slightly volatile
Net Income From Continuing Ops67.8 M132.3 M59.4 M
Slightly volatile
Reconciled Depreciation38.7 M36.8 M12.5 M
Slightly volatile
Net Income Applicable To Common Shares59.1 M59.1 M46.4 M
Slightly volatile

Stellar Bancorp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation13 M12.4 M3.8 M
Slightly volatile
Free Cash Flow154.5 M147.1 M65.3 M
Slightly volatile
Begin Period Cash Flow490 M459.1 M462.2 M
Very volatile
Depreciation38.7 M36.8 M12.7 M
Slightly volatile
Dividends Paid34.2 M32.6 M12.3 M
Slightly volatile
Capital Expenditures4.3 M5.4 M3.7 M
Slightly volatile
Total Cash From Operating Activities76.4 M152.5 M64 M
Slightly volatile
Net Income138.9 M132.3 M54.6 M
Slightly volatile
End Period Cash Flow557.4 M1 B520.4 M
Slightly volatile
Change To Netincome12.3 M12.3 M8.4 M
Slightly volatile
Change Receivables2.1 M2.4 M2.6 M
Slightly volatile
Cash Flows Other Operating32.7 M36.7 M40.1 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.292.794.2774
Slightly volatile
Dividend Yield0.00930.01680.0105
Slightly volatile
PTB Ratio1.431.091.4508
Slightly volatile
Days Sales Outstanding39.1825.4242.3112
Slightly volatile
Book Value Per Share19.1127.0321.4036
Slightly volatile
Free Cash Flow Yield0.0630.07590.0686
Slightly volatile
Operating Cash Flow Per Share1.892.232.073
Slightly volatile
Stock Based Compensation To Revenue0.00930.01550.0083
Slightly volatile
Capex To Depreciation0.160.170.4154
Slightly volatile
PB Ratio1.431.091.4508
Slightly volatile
EV To Sales2.171.241.9401
Slightly volatile
Free Cash Flow Per Share1.812.151.9698
Slightly volatile
ROIC0.07440.07510.0663
Pretty Stable
Net Income Per Share1.441.931.5824
Slightly volatile
Payables Turnover21.6712.9214.8998
Slightly volatile
Sales General And Administrative To Revenue0.40.320.3785
Slightly volatile
Capex To Revenue0.01540.00860.0166
Slightly volatile
Cash Per Share26.935.2529.2934
Slightly volatile
POCF Ratio14.6613.1615.094
Slightly volatile
Interest Coverage0.810.863.3321
Slightly volatile
Payout Ratio0.150.220.1871
Pretty Stable
Capex To Operating Cash Flow0.0540.04040.0595
Slightly volatile
PFCF Ratio15.313.6416.0213
Slightly volatile
Days Payables Outstanding19.129.2527.0295
Slightly volatile
Income Quality1.061.041.3089
Pretty Stable
ROE0.08550.08230.0762
Pretty Stable
EV To Operating Cash Flow7.395.876.8082
Slightly volatile
PE Ratio19.2315.1819.948
Slightly volatile
Return On Tangible Assets0.00880.010.0101
Pretty Stable
EV To Free Cash Flow7.696.087.1878
Slightly volatile
Earnings Yield0.05020.06820.0552
Slightly volatile
Intangibles To Total Assets0.02930.04870.0353
Slightly volatile
Current Ratio0.170.210.1966
Slightly volatile
Tangible Book Value Per Share13.4117.1115.0828
Slightly volatile
Receivables Turnover9.1814.869.1879
Slightly volatile
Graham Number24.6234.2927.3881
Slightly volatile
Shareholders Equity Per Share19.1127.0321.4036
Slightly volatile
Debt To Equity0.03730.03920.0988
Pretty Stable
Capex Per Share0.0880.07840.1112
Pretty Stable
Revenue Per Share6.4410.517.3157
Slightly volatile
Interest Debt Per Share3.024.453.2966
Slightly volatile
Debt To Assets0.01060.00580.0129
Very volatile
Enterprise Value Over EBITDA6.574.45.8667
Very volatile
Short Term Coverage Ratios10910462.3525
Slightly volatile
Price Earnings Ratio19.2315.1819.948
Slightly volatile
Operating Cycle39.1825.4242.3112
Slightly volatile
Price Book Value Ratio1.431.091.4508
Slightly volatile
Days Of Payables Outstanding19.129.2527.0295
Slightly volatile
Dividend Payout Ratio0.150.220.1871
Pretty Stable
Price To Operating Cash Flows Ratio14.6613.1615.094
Slightly volatile
Price To Free Cash Flows Ratio15.313.6416.0213
Slightly volatile
Pretax Profit Margin0.330.270.2989
Pretty Stable
Operating Profit Margin0.330.270.2989
Pretty Stable
Effective Tax Rate0.250.240.256
Slightly volatile
Company Equity Multiplier8.177.87.7748
Slightly volatile
Long Term Debt To Capitalization0.06540.03760.0832
Pretty Stable
Total Debt To Capitalization0.07180.03760.0897
Pretty Stable
Return On Capital Employed0.09720.09470.0892
Very volatile
Debt Equity Ratio0.03730.03920.0988
Pretty Stable
Ebit Per Revenue0.330.270.2989
Pretty Stable
Quick Ratio0.170.210.1966
Slightly volatile
Dividend Paid And Capex Coverage Ratio6.194.635.277
Pretty Stable
Net Income Per E B T0.620.710.7334
Slightly volatile
Cash Ratio0.130.110.1358
Slightly volatile
Operating Cash Flow Sales Ratio0.330.240.2901
Very volatile
Days Of Sales Outstanding39.1825.4242.3112
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.870.926
Pretty Stable
Cash Flow Coverage Ratios2.652.181.9434
Pretty Stable
Price To Book Ratio1.431.091.4508
Slightly volatile
Fixed Asset Turnover2.645.032.9593
Slightly volatile
Capital Expenditure Coverage Ratio20.3425.621.1159
Slightly volatile
Price Cash Flow Ratio14.6613.1615.094
Slightly volatile
Enterprise Value Multiple6.574.45.8667
Very volatile
Debt Ratio0.01060.00580.0129
Very volatile
Cash Flow To Debt Ratio2.652.181.9434
Pretty Stable
Price Sales Ratio4.292.794.2774
Slightly volatile
Return On Assets0.00850.00950.0098
Pretty Stable
Asset Turnover0.03730.05160.0446
Slightly volatile
Net Profit Margin0.250.210.2223
Pretty Stable
Gross Profit Margin0.920.80.8503
Slightly volatile
Price Fair Value1.431.091.4508
Slightly volatile
Return On Equity0.08550.08230.0762
Pretty Stable

Stellar Fundamental Market Drivers

Forward Price Earnings14.881
Cash And Short Term Investments2.1 B

Stellar Upcoming Events

26th of January 2024
Upcoming Quarterly Report
View
26th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
26th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Stellar Bancorp Financial Statements

Stellar Bancorp investors utilize fundamental indicators, such as revenue or net income, to predict how Stellar Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue7.9 M8.3 M
Total Revenue719.3 M755.2 M
Cost Of Revenue220.3 M231.3 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.32  0.40 
Capex To Revenue 0.01  0.02 
Revenue Per Share 10.51  6.44 
Ebit Per Revenue 0.27  0.33 

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When determining whether Stellar Bancorp is a strong investment it is important to analyze Stellar Bancorp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Stellar Bancorp's future performance. For an informed investment choice regarding Stellar Stock, refer to the following important reports:
How To Invest In Stellar
Details
Is Stellar Stock a good investment?
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What is Stellar Bancorp's Net Worth?
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Largest Regional Banks Companies
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Largest Banks - Regional Companies
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Check out the analysis of Stellar Bancorp Correlation against competitors.
For more information on how to buy Stellar Stock please use our How to buy in Stellar Stock guide.
You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Stellar Bancorp. If investors know Stellar will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Stellar Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.21)
Dividend Share
0.56
Earnings Share
1.94
Revenue Per Share
7.958
Quarterly Revenue Growth
(0.07)
The market value of Stellar Bancorp is measured differently than its book value, which is the value of Stellar that is recorded on the company's balance sheet. Investors also form their own opinion of Stellar Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Stellar Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Stellar Bancorp's market value can be influenced by many factors that don't directly affect Stellar Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between Stellar Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Stellar Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Stellar Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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