Stellar Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Stellar Bancorp,
STEL Stock  USD 28.68  0.06  0.21%   
Stellar Bancorp, financial statements provide useful quarterly and yearly information to potential Stellar Bancorp, investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Stellar Bancorp, financial statements helps investors assess Stellar Bancorp,'s valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Stellar Bancorp,'s valuation are summarized below:
Gross Profit
438.6 M
Profit Margin
0.2669
Market Capitalization
1.5 B
Enterprise Value Revenue
3.9041
Revenue
438.6 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 2025.

Stellar Bancorp, Total Revenue

557.05 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 41.6 M, Interest Expense of 186 M or Selling General Administrative of 202.9 M, as well as many indicators such as Price To Sales Ratio of 5.47, Dividend Yield of 0.0087 or PTB Ratio of 1.54. Stellar financial statements analysis is a perfect complement when working with Stellar Bancorp, Valuation or Volatility modules.
  
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 Assets12.9 B12.2 B5.3 B
Slightly volatile
Short and Long Term Debt Total192.9 M183.7 M73.4 M
Slightly volatile
Total Stockholder Equity1.8 B1.7 B718.2 M
Slightly volatile
Property Plant And Equipment Net82.7 M136.5 M75.1 M
Slightly volatile
Retained Earnings490.2 M466.8 M195.5 M
Slightly volatile
Cash508.1 M459.1 M456.3 M
Pretty Stable
Non Current Assets Total743.6 M842.6 M575.8 M
Slightly volatile
Other Assets10.1 B9.6 B3.9 B
Slightly volatile
Cash And Short Term Investments916 M1.7 B770.7 M
Slightly volatile
Good Will600.5 M571.9 M196.2 M
Slightly volatile
Common Stock Shares Outstanding32.2 M61.3 M29.3 M
Slightly volatile
Liabilities And Stockholders Equity12.9 B12.2 B5.3 B
Slightly volatile
Non Current Liabilities Total136.6 M143.8 M1.5 B
Slightly volatile
Other Stockholder Equity1.5 B1.4 B552.3 M
Slightly volatile
Total Liabilities11 B10.5 B4 B
Slightly volatile
Total Current Assets926.9 M1.8 B780.1 M
Slightly volatile
Intangible Assets140.9 M134.2 M38.9 M
Slightly volatile
Common Stock342.6 K613 K306.7 K
Slightly volatile
Total Current Liabilities9.7 M10.2 M1.7 B
Slightly volatile
Other Current Assets506.6 M510 M440.5 M
Slightly volatile
Short Term Debt3.1 M5.1 M2.8 M
Slightly volatile
Short Term Investments1.7 B1.6 B445.2 M
Slightly volatile
Other Liabilities27.1 M48.1 M21.3 M
Slightly volatile
Net Tangible Assets606.2 M853.7 M536.5 M
Slightly volatile
Accounts Payable9.7 M10.2 M2.6 B
Slightly volatile
Long Term Debt192.9 M183.7 M50.6 M
Slightly volatile
Net Invested Capital1 B1.9 B773.7 M
Slightly volatile
Long Term Investments1.7 B1.6 B591.9 M
Slightly volatile
Capital Stock382.6 K613 K321.7 K
Slightly volatile
Property Plant Equipment81.3 M145.8 M66.1 M
Slightly volatile
Capital Lease Obligations12.3 M12.7 M15.1 M
Slightly volatile
Property Plant And Equipment Gross111.1 M169.4 M85 M
Slightly volatile
Net Receivables44.9 M50.9 M36.6 M
Slightly volatile
Common Stock Total Equity430.6 K609.5 K321 K
Slightly volatile
Retained Earnings Total Equity297.2 M348.6 M256.1 M
Slightly volatile
Capital Surpluse857.2 M1.4 B546.2 M
Slightly volatile
Non Current Liabilities Other66.7 M66.8 M87.1 M
Slightly volatile
Long Term Debt Total87.5 M98.4 M107.3 M
Slightly volatile

Stellar Bancorp, Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization41.6 M39.6 M12 M
Slightly volatile
Interest Expense186 M177.2 M41.2 M
Slightly volatile
Selling General Administrative202.9 M193.3 M84.3 M
Slightly volatile
Selling And Marketing Expenses4.4 M4.2 M1.8 M
Slightly volatile
Total Revenue557 M530.5 M207.9 M
Slightly volatile
Gross Profit713.4 M679.4 M235 M
Slightly volatile
Other Operating Expenses557 M530.5 M153.3 M
Slightly volatile
Operating Income214.3 M204.1 M78.8 M
Slightly volatile
EBIT195.5 M186.2 M74.7 M
Slightly volatile
EBITDA237.1 M225.8 M86.6 M
Slightly volatile
Income Before Tax195.5 M186.2 M68.6 M
Slightly volatile
Net Income157.6 M150.1 M53.1 M
Slightly volatile
Income Tax Expense37.9 M36.1 M15.5 M
Slightly volatile
Tax Provision29.7 M28.3 M14 M
Slightly volatile
Net Interest Income539.1 M513.4 M206.3 M
Slightly volatile
Interest Income689 M656.2 M242.8 M
Slightly volatile
Net Income From Continuing Ops127.1 M121.1 M58.9 M
Slightly volatile
Reconciled Depreciation42.5 M40.5 M11.7 M
Slightly volatile
Net Income Applicable To Common Shares59.1 M59.1 M46.1 M
Slightly volatile

Stellar Bancorp, Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation12 M11.4 M3.2 M
Slightly volatile
Free Cash Flow194.8 M185.6 M66.2 M
Slightly volatile
Begin Period Cash Flow495.6 M427.5 M464.5 M
Very volatile
Depreciation41.6 M39.6 M11.8 M
Slightly volatile
Dividends Paid33.4 M31.9 M11.2 M
Slightly volatile
Capital Expenditures4.2 M7.9 M3.8 M
Slightly volatile
Total Cash From Operating Activities203.1 M193.4 M70.2 M
Slightly volatile
Net Income157.6 M150.1 M53.1 M
Slightly volatile
End Period Cash Flow508 M459.1 M456.1 M
Pretty Stable
Change To Netincome12.3 M12.3 M8.2 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 Ratio5.473.695.1497
Slightly volatile
Dividend Yield0.00870.01680.0099
Slightly volatile
PTB Ratio1.541.121.5201
Slightly volatile
Days Sales Outstanding63.9840.2676.9989
Slightly volatile
Book Value Per Share50.2525.7245.0063
Slightly volatile
Free Cash Flow Yield0.05140.0980.0605
Slightly volatile
Operating Cash Flow Per Share1.592.841.8642
Slightly volatile
Stock Based Compensation To Revenue0.01190.01940.0104
Slightly volatile
Capex To Depreciation0.170.180.5101
Pretty Stable
PB Ratio1.541.121.5201
Slightly volatile
Free Cash Flow Per Share1.492.731.7397
Slightly volatile
Net Income Per Share1.212.211.4086
Slightly volatile
Sales General And Administrative To Revenue0.480.420.4445
Pretty Stable
Capex To Revenue0.01810.01340.0226
Very volatile
Cash Per Share22.4630.3525.3156
Slightly volatile
POCF Ratio17.6210.1316.7141
Slightly volatile
Interest Coverage1.261.324.5432
Slightly volatile
Payout Ratio0.180.190.203
Slightly volatile
Capex To Operating Cash Flow0.05950.03670.0744
Pretty Stable
PFCF Ratio19.4410.5618.3351
Slightly volatile
Income Quality1.071.161.3175
Very volatile
ROE0.07740.09870.0725
Pretty Stable
PE Ratio22.813.0622.0203
Slightly volatile
Return On Tangible Assets0.0110.0150.01
Slightly volatile
Earnings Yield0.04180.07930.049
Slightly volatile
Intangibles To Total Assets0.02650.05190.0332
Slightly volatile
Current Ratio195124142
Slightly volatile
Tangible Book Value Per Share14.5715.3437.4117
Slightly volatile
Receivables Turnover5.749.385.1876
Slightly volatile
Graham Number21.735.7325.0341
Slightly volatile
Shareholders Equity Per Share17.7825.7220.1447
Slightly volatile
Debt To Equity0.07220.09450.0955
Very volatile
Capex Per Share0.10.120.1251
Very volatile
Revenue Per Share4.867.85.7823
Slightly volatile
Interest Debt Per Share5.575.312.9248
Slightly volatile
Debt To Assets0.00960.01350.0123
Very volatile
Enterprise Value Over EBITDA5.165.696.0886
Pretty Stable
Short Term Coverage Ratios17.7719.9921.7964
Slightly volatile
Price Earnings Ratio22.813.0622.0203
Slightly volatile
Operating Cycle63.9840.2676.9989
Slightly volatile
Price Book Value Ratio1.541.121.5201
Slightly volatile
Dividend Payout Ratio0.180.190.203
Slightly volatile
Price To Operating Cash Flows Ratio17.6210.1316.7141
Slightly volatile
Price To Free Cash Flows Ratio19.4410.5618.3351
Slightly volatile
Pretax Profit Margin0.360.40.332
Pretty Stable
Ebt Per Ebit0.881.050.8
Very volatile
Operating Profit Margin0.420.440.3893
Very volatile
Effective Tax Rate0.260.220.2606
Slightly volatile
Company Equity Multiplier8.178.057.8073
Slightly volatile
Long Term Debt To Capitalization0.06060.08550.0827
Pretty Stable
Total Debt To Capitalization0.0650.08550.086
Pretty Stable
Return On Capital Employed0.01820.01920.0332
Very volatile
Debt Equity Ratio0.07220.09450.0955
Very volatile
Ebit Per Revenue0.420.440.3893
Very volatile
Quick Ratio118124179
Slightly volatile
Dividend Paid And Capex Coverage Ratio5.535.64.9361
Pretty Stable
Net Income Per E B T0.610.730.7282
Slightly volatile
Cash Ratio30.2431.8351.1477
Slightly volatile
Cash Conversion Cycle75.6476.8582.0031
Slightly volatile
Operating Cash Flow Sales Ratio0.260.330.3104
Pretty Stable
Days Of Sales Outstanding63.9840.2676.9989
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.021.10.9391
Slightly volatile
Cash Flow Coverage Ratios1.151.213.0626
Very volatile
Price To Book Ratio1.541.121.5201
Slightly volatile
Fixed Asset Turnover1.93.52.2362
Slightly volatile
Capital Expenditure Coverage Ratio20.4222.0720.6857
Slightly volatile
Price Cash Flow Ratio17.6210.1316.7141
Slightly volatile
Enterprise Value Multiple5.165.696.0886
Pretty Stable
Debt Ratio0.00960.01350.0123
Very volatile
Cash Flow To Debt Ratio1.151.213.0626
Very volatile
Price Sales Ratio5.473.695.1497
Slightly volatile
Return On Assets0.01060.01410.0096
Slightly volatile
Asset Turnover0.04170.04980.0389
Pretty Stable
Net Profit Margin0.280.330.2472
Slightly volatile
Gross Profit Margin1.021.151.2562
Slightly volatile
Price Fair Value1.541.121.5201
Slightly volatile
Return On Equity0.07740.09870.0725
Pretty Stable

Stellar Bancorp, Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap501.7 M564.4 M615.3 M
Slightly volatile
Enterprise Value203.3 M250.9 M253.8 M
Slightly volatile

Stellar Fundamental Market Drivers

Forward Price Earnings15.1057
Cash And Short Term Investments1.5 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 Revenue530.5 M557 M
Cost Of Revenue-116.5 M-122.4 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.42  0.48 
Capex To Revenue 0.01  0.02 
Revenue Per Share 7.80  4.86 
Ebit Per Revenue 0.44  0.42 

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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?
Details
What is Stellar Bancorp,'s Net Worth?
Details
Largest Regional Banks Companies
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Largest Banks - Regional Companies
View
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 AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
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
0.087
Earnings Share
2.19
Revenue Per Share
8.209
Quarterly Revenue Growth
0.043
Return On Assets
0.011
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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Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
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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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