Stellar Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Stellar Bancorp
STEL Stock  USD 39.71  0.21  0.53%   
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
413.3 M
Profit Margin
0.2489
Market Capitalization
2 B
Enterprise Value Revenue
4.8052
Revenue
413.3 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

338.18 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 181.5 M or Selling General Administrative of 109.8 M, as well as many indicators such as Price To Sales Ratio of 4.17, Dividend Yield of 0.0098 or PTB Ratio of 1.4. 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 Assets7 B10.8 B5.4 B
Slightly volatile
Short and Long Term Debt Total38.2 M40.2 M65.6 M
Slightly volatile
Other Current Liabilities5.5 B5.5 B4.3 B
Slightly volatile
Total Current Liabilities5.5 B5.5 B4.3 B
Slightly volatile
Total Stockholder Equity971.5 M1.7 B729.9 M
Slightly volatile
Property Plant And Equipment Net89.3 M109.8 M75.7 M
Slightly volatile
Retained Earnings289.7 M566.2 M208.8 M
Slightly volatile
Cash543.7 M560.6 M479.8 M
Slightly volatile
Non Current Assets Total5.8 B10.4 B4.5 B
Slightly volatile
Non Currrent Assets Other10.2 B9.8 B1.3 B
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 Outstanding36.9 M51.8 M30.4 M
Slightly volatile
Liabilities And Stockholders Equity7 B10.8 B5.4 B
Slightly volatile
Non Current Liabilities Total9.3 B8.8 B1.2 B
Slightly volatile
Other Stockholder Equity724.9 M1.2 B548.5 M
Slightly volatile
Total Liabilities6 B9.1 B4.6 B
Slightly volatile
Total Current Assets432.6 M455.3 M857.4 M
Slightly volatile
Short Term Debt3 M4.8 M2.7 M
Slightly volatile
Intangible Assets47.7 M71 M33.5 M
Slightly volatile
Common Stock388.3 K509 K318.8 K
Slightly volatile
Other Current Assets506 M523.6 M442.2 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 Expense181.5 M172.8 M52.5 M
Slightly volatile
Selling General Administrative109.8 M186.4 M85.5 M
Slightly volatile
Selling And Marketing Expenses5 M4.7 M2 M
Slightly volatile
Total Revenue338.2 M596.3 M253.4 M
Slightly volatile
Gross Profit260.5 M413.3 M198.9 M
Slightly volatile
Other Operating Expenses249 M468.5 M185.4 M
Slightly volatile
Operating Income89.2 M127.8 M68 M
Slightly volatile
EBIT84.1 M166.7 M70 M
Slightly volatile
EBITDA101.1 M127.8 M77.2 M
Slightly volatile
Cost Of Revenue192.2 M183 M61.3 M
Slightly volatile
Total Operating Expenses171.4 M285.5 M130.9 M
Slightly volatile
Income Before Tax89.2 M127.8 M68 M
Slightly volatile
Net Income70.4 M102.9 M52.6 M
Slightly volatile
Income Tax Expense18.8 M24.9 M15.4 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 Flow536.6 M911.2 M491.5 M
Slightly volatile
Depreciation38.7 M36.8 M12.7 M
Slightly volatile
Dividends Paid34.2 M32.6 M12.3 M
Slightly volatile
Total Cash From Operating Activities76.4 M152.5 M64 M
Slightly volatile
Net Income63.8 M102.9 M48.4 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 Ratio4.172.68554.2642
Slightly volatile
Dividend Yield0.00980.01840.0106
Slightly volatile
PTB Ratio1.40.95961.4414
Slightly volatile
Days Sales Outstanding39.1825.4242.3112
Slightly volatile
Book Value Per Share19.7232.242621.7461
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 Ratio1.40.95961.4414
Slightly volatile
EV To Sales2.161.81281.9732
Pretty Stable
Free Cash Flow Per Share1.812.151.9698
Slightly volatile
ROIC0.01820.01920.0597
Slightly volatile
Net Income Per Share1.461.98771.587
Slightly volatile
Payables Turnover21.6712.9214.8998
Slightly volatile
Sales General And Administrative To Revenue0.40.31270.3781
Slightly volatile
Capex To Revenue0.01540.00860.0166
Slightly volatile
Cash Per Share10.2910.831726.88
Slightly volatile
POCF Ratio14.6613.1615.094
Slightly volatile
Interest Coverage0.70.73933.3185
Slightly volatile
Payout Ratio0.160.28680.1916
Slightly volatile
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
ROE0.08380.06160.0749
Pretty Stable
EV To Operating Cash Flow7.395.876.8082
Slightly volatile
PE Ratio19.0415.565319.9595
Slightly volatile
Return On Tangible Assets0.00870.010.0101
Pretty Stable
EV To Free Cash Flow7.696.087.1878
Slightly volatile
Earnings Yield0.05020.06420.0549
Slightly volatile
Intangibles To Total Assets0.03050.05260.0356
Slightly volatile
Current Ratio0.160.08240.1885
Pretty Stable
Tangible Book Value Per Share13.7421.260915.3464
Slightly volatile
Receivables Turnover9.1814.869.1879
Slightly volatile
Graham Number25.1437.974127.6354
Slightly volatile
Shareholders Equity Per Share19.7232.242621.7461
Slightly volatile
Debt To Equity0.02290.02410.0971
Pretty Stable
Capex Per Share0.0880.07840.1112
Pretty Stable
Revenue Per Share6.711.52137.3905
Slightly volatile
Interest Debt Per Share3.044.11723.2782
Slightly volatile
Debt To Assets0.00350.00370.0123
Pretty Stable
Enterprise Value Over EBITDA4.968.45896.0107
Very volatile
Short Term Coverage Ratios10910462.3525
Slightly volatile
Price Earnings Ratio19.0415.565319.9595
Slightly volatile
Operating Cycle39.1825.4242.3112
Slightly volatile
Price Book Value Ratio1.40.95961.4414
Slightly volatile
Days Of Payables Outstanding19.129.2527.0295
Slightly volatile
Dividend Payout Ratio0.160.28680.1916
Slightly volatile
Price To Operating Cash Flows Ratio14.6613.1615.094
Slightly volatile
Price To Free Cash Flows Ratio15.313.6416.0213
Slightly volatile
Pretax Profit Margin0.320.21430.2951
Slightly volatile
Operating Profit Margin0.320.21430.2951
Slightly volatile
Effective Tax Rate0.250.19490.2533
Slightly volatile
Company Equity Multiplier8.096.47627.6922
Slightly volatile
Long Term Debt To Capitalization0.06690.10230.0871
Very volatile
Total Debt To Capitalization0.02240.02350.0859
Slightly volatile
Return On Capital Employed0.0230.02420.0806
Slightly volatile
Debt Equity Ratio0.02290.02410.0971
Pretty Stable
Ebit Per Revenue0.320.21430.2951
Slightly volatile
Quick Ratio0.160.08240.1885
Pretty Stable
Dividend Paid And Capex Coverage Ratio6.194.635.277
Pretty Stable
Net Income Per E B T0.620.80510.739
Slightly volatile
Cash Ratio0.130.10140.1352
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 Ratio1.40.95961.4414
Slightly volatile
Fixed Asset Turnover2.795.43292.9918
Slightly volatile
Capital Expenditure Coverage Ratio20.3425.621.1159
Slightly volatile
Price Cash Flow Ratio14.6613.1615.094
Slightly volatile
Enterprise Value Multiple4.968.45896.0107
Very volatile
Debt Ratio0.00350.00370.0123
Pretty Stable
Cash Flow To Debt Ratio2.652.181.9434
Pretty Stable
Price Sales Ratio4.172.68554.2642
Slightly volatile
Return On Assets0.01160.00950.0099
Slightly volatile
Asset Turnover0.03790.05520.0449
Slightly volatile
Net Profit Margin0.240.17250.2195
Very volatile
Gross Profit Margin0.90.69310.8429
Slightly volatile
Price Fair Value1.40.95961.4414
Slightly volatile
Return On Equity0.08380.06160.0749
Pretty Stable

Stellar Bancorp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.3 B1.4 B1.6 B
Slightly volatile
Enterprise Value864.7 M972.8 M1.1 B
Slightly volatile

Stellar Fundamental Market Drivers

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 Revenue596.3 M338.2 M
Cost Of Revenue183 M192.2 M
Stock Based Compensation To Revenue 0.02  0.01 
Sales General And Administrative To Revenue 0.31  0.40 
Capex To Revenue 0.01  0.02 
Revenue Per Share 11.52  6.70 
Ebit Per Revenue 0.21  0.32 

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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
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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 Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
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. Comprehensive Stellar Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.086
Dividend Share
0.57
Earnings Share
1.99
Revenue Per Share
7.985
Quarterly Revenue Growth
(0.03)
Investors evaluate Stellar Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Stellar Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Stellar Bancorp's market price to deviate significantly from intrinsic value.
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F Score
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Beneish
M Score
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Buy or Sell
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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. Conversely, Stellar Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
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