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Page: Company Financials

Stellar Bancorp, Inc.

Ticker: STEL | Industry: Banks - Regional | Sector: Financial Services
$32.56 -0.96 (-2.86%)
As of: 2026-01-23

Master Data Export

Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Stock Price 30.34 27.98 28.66 25.16 24.17 29.08 28.35 20.16 29.93 31.70 28.93 28.71
Market Capitalization 1,555.93M 1,441.78M 1,489.24M 1,346.22M 1,286.23M 790.89M 693.43M 498.80M 746.11M 788.09M 645.09M 652.15M
(-) Cash & Equivalents 728.45M 578.10M 622.38M 579.36M 317.23M 499.28M 787.34M 423.22M 301.19M 297.22M 245.79M 127.57M
(+) Total Debt 70.20M 157.22M 139.16M 228.75M 355.33M 66.24M 102.29M 67.65M 81.31M 19.48M 27.93M 12.25M
Enterprise Value 897.67M 1,020.90M 1,006.03M 995.61M 1,324.33M 357.85M 8.37M 143.23M 526.23M 510.35M 427.23M 536.84M

Income Statement

Metric TTM TTM-1 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 602M 629M 625M 615M 343M 262M 250M 171M 149M 129M 124M 118M
Cost of Revenue 185M 191M 192M 163M 85M 22M 66M 20M 9M 9M 13M 15M
Gross Profit 417M 439M 434M 452M 259M 239M 183M 151M 139M 121M 111M 103M
Gross Profit Margin 69.2% 69.7% 69.4% 73.5% 75.3% 91.5% 73.4% 88.4% 93.7% 93.4% 89.5% 87.6%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 151M 177M 177M 172M 115M 95M 85M 65M 61M 58M 53M 50M
Operating Expenses 289M 292M 289M 290M 196M 140M 127M 89M 81M 77M 71M 68M
Operating Income (EBIT) 128M 147M 145M 162M 63M 100M 56M 62M 59M 44M 39M 35M
Operating Income Margin 21.3% 23.4% 23.2% 26.3% 18.2% 38.2% 22.4% 36.4% 39.4% 34.1% 31.7% 29.7%
Interest Income 580M 605M 602M 591M 323M 253M 242M 153M 136M 117M 110M 106M
Interest Expense 179M 194M 194M 154M 34M 25M 39M 17M 11M 9M 8M 8M
Net Interest Income 401M 411M 408M 437M 289M 229M 203M 136M 125M 108M 102M 98M
Unusual Items -401M -411M -408M -437M -289M -229M -203M -136M -125M -108M -102M -98M
EBT Excluding Unusual Items 529M 558M 553M 599M 351M 328M 259M 198M 183M 152M 141M 133M
Pre-Tax Income 128M 147M 145M 162M 63M 100M 56M 62M 59M 44M 39M 35M
Pre-Tax Margin 21.3% 23.4% 23.2% 26.3% 18.2% 38.2% 22.4% 36.4% 39.4% 34.1% 31.7% 29.7%
Income Tax Expense 26M 30M 30M 31M 11M 18M 10M 12M 11M 16M 12M 11M
Net Income 102M 117M 115M 130M 51M 82M 46M 51M 47M 28M 27M 24M
Net Income Margin 16.9% 18.6% 18.4% 21.2% 15.0% 31.2% 18.2% 29.6% 31.8% 21.3% 22.0% 20.5%
Depreciation & Amortization 30M 33M 32M 34M 14M 8M 8M 5M 4M 4M 4M 5M
EBITDA 158M 180M 177M 196M 77M 107M 64M 68M 63M 48M 44M 40M
EBITDA Margin 26.3% 28.5% 28.3% 31.9% 22.4% 41.0% 25.5% 39.6% 42.3% 37.5% 35.3% 33.9%
NOPAT 102M 117M 115M 130M 51M 82M 46M 51M 47M 28M 27M 24M
NOPAT Margin 16.9% 18.6% 18.4% 21.2% 15.0% 31.2% 18.2% 29.6% 31.8% 21.3% 22.0% 20.5%
Owner's Earnings 130M 145M 142M 158M 62M 86M 46M 53M 50M 31M 30M 26M
Owner's Earnings Margin 21.6% 23.1% 22.8% 25.7% 18.0% 32.9% 18.4% 31.3% 33.8% 24.0% 24.1% 22.4%
EPS (Basic) 1.99 2.19 2.15 2.45 1.48 2.85 1.06 2.03 1.90 1.23 1.25 1.11
EPS (Diluted) 1.94 2.19 2.15 2.45 1.47 2.82 1.56 2.02 1.89 1.22 1.22 1.08
Shares (Basic) 52M 53M 54M 53M 35M 29M 29M 25M 25M 22M 22M 22M
Shares (Diluted) 52M 53M 54M 53M 35M 29M 29M 25M 25M 23M 22M 22M

Balance Sheet

Metric MRQ MRQ-1 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
Cash & Cash Equivalents 728.45M 578.10M 911.22M 399.24M 371.71M 757.51M 538.01M 372.06M 382.07M 326.20M 382.70M 435.30M
Short-Term Investments 1,842.27M 1,192.28M 1,185.82M 1,395.68M 1,807.59M 1,773.77M 200.69M 53.28M 57.69M 0.60M 0.00M 0.00M
Cash & Short-Term Investments 2,570.72M 1,770.39M 2,097.04M 1,794.92M 2,179.29M 2,531.27M 738.69M 425.34M 439.76M 326.80M 382.70M 435.30M
Net Receivables 34.87M 35.54M 37.88M 44.24M 44.74M 33.39M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets -629.04M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Current Assets 1,976.54M 1,805.93M 2,134.92M 1,839.16M 2,224.03M 2,564.67M 738.69M 425.34M 439.76M 326.80M 382.70M 435.30M
Property, Plant & Equipment 107.80M 108.62M 111.86M 118.68M 126.80M 63.71M 74.44M 63.80M 51.62M 53.61M 57.51M 60.93M
Goodwill 497.32M 497.32M 497.32M 497.32M 497.26M 223.64M 80.95M 80.95M 80.95M 80.95M 80.95M 80.95M
Intangible Assets 75.93M 81.47M 92.55M 116.71M 143.53M 14.66M 4.17M 4.94M 5.78M 6.77M 7.79M 8.88M
Long-Term Investments 7,397.28M 7,204.18M 7,845.99M 7,833.45M 7,661.57M 4,193.25M 2,941.40M 2,809.96M 2,608.43M 2,523.66M 2,348.53M 2,226.05M
Tax Assets 0.00M 0.00M 0.00M 0.00M 0.00M 9.97M 10.70M 7.43M 7.20M 5.78M 9.03M 8.43M
Other Non-Current Assets -7,397.28M 795.50M 223.16M 241.82M 247.24M 35.06M 98.87M 86.12M 85.36M 83.52M 65.00M 62.08M
Other Assets 7,970.52M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 8,651.57M 8,687.09M 8,770.87M 8,807.98M 8,676.40M 4,540.29M 3,210.52M 3,053.20M 2,839.34M 2,754.28M 2,568.82M 2,447.32M
Total Assets 10,628.11M 10,493.01M 10,905.79M 10,647.14M 10,900.44M 7,104.95M 3,949.22M 3,478.54M 3,279.10M 3,081.08M 2,951.52M 2,882.63M
Accounts Payable 9.43M 7.61M 17.05M 11.29M 2.10M 1.75M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Short-Term Debt 0.00M 17.13M 0.00M 0.00M 0.00M 0.00M 0.00M 0.49M 2.50M 1.53M 2.34M 2.09M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 77.89M 8,671.49M 9,124.24M 8,873.47M 9,267.63M 6,047.64M 3,301.79M 2,852.39M 2,766.28M 2,602.97M 2,540.76M 2,483.37M
Total Current Liabilities 87.32M 8,696.23M 9,141.30M 8,884.76M 9,269.73M 6,049.39M 3,301.79M 2,852.87M 2,768.78M 2,604.50M 2,543.10M 2,485.46M
Long-Term Debt 70.20M 140.09M 70.11M 159.77M 173.29M 212.95M 66.45M 65.70M 1.57M 6.73M 34.41M 37.73M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.00M 0.00M 14.14M 16.45M 15.70M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities 0.00M 67.87M 82.39M 81.60M 74.24M 26.15M 34.53M 24.25M 21.12M 23.65M 16.38M 15.13M
Total Non-Current Liabilities 70.20M 207.96M 152.49M 241.37M 247.53M 253.24M 117.42M 105.65M 22.69M 30.37M 50.78M 52.86M
Total Liabilities 157.51M 8,904.18M 9,293.79M 9,126.12M 9,517.26M 6,302.63M 3,419.21M 2,958.53M 2,791.47M 2,634.87M 2,593.89M 2,538.31M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 0.51M 0.51M 0.53M 0.53M 0.53M 0.29M 0.26M 0.26M 0.26M 0.26M 0.23M 0.23M
Retained Earnings 547.72M 529.22M 492.64M 405.95M 303.15M 267.09M 214.46M 201.08M 160.63M 118.35M 95.27M 72.46M
Accumulated OCI -77.87M -110.94M -125.36M -118.09M -143.26M 18.24M 6.78M 2.39M -2.98M -0.39M -0.92M 1.41M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 470.36M 418.79M 367.81M 288.39M 160.42M 285.62M 221.49M 203.72M 157.91M 118.22M 94.58M 74.11M
Total Equity 470.36M 418.79M 367.81M 288.39M 160.42M 285.62M 221.49M 203.72M 157.91M 118.22M 94.58M 74.11M
Total Liabilities & Equity 627.87M 9,322.97M 9,661.60M 9,414.51M 9,677.68M 6,588.25M 3,640.70M 3,162.25M 2,949.38M 2,753.09M 2,688.47M 2,612.42M
Tangible Assets 10,054.87M 9,914.22M 10,315.93M 10,033.11M 10,259.65M 6,866.65M 3,864.10M 3,392.66M 3,192.37M 2,993.36M 2,862.78M 2,792.80M
Tangible Equity -102.89M -160.00M -222.05M -325.64M -480.37M 47.32M 136.37M 117.84M 71.18M 30.50M 5.84M -15.72M
Tangible Book Value -102.89M -160.00M -222.05M -325.64M -480.37M 47.32M 136.37M 117.84M 71.18M 30.50M 5.84M -15.72M
Total Investments 9,239.54M 8,396.47M 9,031.81M 9,229.13M 9,469.16M 5,967.01M 3,142.09M 2,863.24M 2,666.12M 2,523.66M 2,348.53M 2,226.05M
Net Debt -658.25M -420.88M -841.11M -239.47M -198.41M -544.56M -471.56M -305.88M -378.00M -317.95M -345.96M -395.49M

Capital Metrics

Metric MRQ MRQ-1 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
Working Capital 1,889.2M -6,875.3M -7,010.5M -7,045.6M -7,045.7M -3,484.7M -2,563.1M -2,427.5M -2,329.0M -2,277.7M -2,160.4M -2,050.2M
Total Capital 1,723.3M 1,761.1M 1,678.0M 1,680.8M 1,556.5M 1,029.4M 612.9M 601.9M 491.7M 454.5M 394.4M 384.1M
Capital Employed 10,540.8M 1,811.8M 1,760.4M 1,762.4M 1,630.7M 1,055.6M 647.4M 625.7M 510.3M 476.6M 408.4M 397.2M
Invested Capital 994.9M 1,183.0M 766.7M 1,281.5M 1,184.8M 271.9M 74.9M 229.8M 109.6M 128.3M 11.7M -51.2M

Cash Flow Statement

Metric TTM TTM-1 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
Net Income 101.94M 117.06M 115.00M 130.50M 51.43M 81.55M 45.53M 50.52M 47.29M 27.57M 27.21M 24.14M
Depreciation & Amortization 31.52M 32.66M 32.03M 34.47M 14.25M 7.55M 7.64M 5.44M 4.29M 4.43M 4.43M 4.95M
Deferred Income Tax 1.17M 0.78M 3.30M 10.25M 1.93M 2.78M -7.06M -1.66M -0.73M 2.93M 0.60M -1.66M
Stock-Based Compensation 9.27M 10.34M 10.76M 9.95M 9.04M 3.98M 3.43M 2.40M 1.60M 0.33M 0.04M 0.01M
Change in Working Capital -62.67M 37.19M 5.66M 18.18M -10.96M 6.19M -19.68M 0.96M 0.07M 2.18M 1.19M 0.62M
Accounts Receivable -41.72M 26.99M -3.62M -2.32M 2.62M -1.32M -24.71M 0.00M 0.00M 0.00M 0.00M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable -22.00M 5.45M 5.46M 16.30M -16.40M 4.64M 2.40M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Working Capital 1.05M 4.74M 3.82M 4.20M 2.82M 2.86M 2.63M 0.96M 0.07M 2.18M 1.19M 0.62M
Other Non-Cash Items 6.37M -37.96M -34.13M -35.12M 43.37M 5.33M 31.21M -1.57M -3.19M -1.86M 2.58M 4.79M
Net Cash from Operating Activities 87.58M 160.07M 132.62M 168.22M 109.07M 107.38M 61.06M 56.09M 49.32M 35.59M 36.04M 32.83M
Capital Expenditures (PPE) -2.04M -4.63M -4.66M -6.86M -3.81M -2.93M -7.18M -2.49M -1.29M -0.99M -1.88M -2.79M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 370.45M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -5.94M
Purchases of Investments -7,623.18M -6,240.39M -5,536.68M -4,093.41M -2,445.53M -4,315.95M -4,362.52M -655.59M -496.67M -355.69M -406.23M -385.05M
Sales / Maturities of Investments 7,487.60M 6,040.35M 5,244.35M 4,530.02M 2,717.08M 3,286.41M 3,997.37M 656.28M 484.80M 337.98M 341.46M 332.01M
Other Investing Activities 381.66M 497.75M 543.08M -134.50M -564.43M 277.64M -588.77M -187.94M -134.56M -166.73M -64.92M -26.90M
Net Cash from Investing Activities 244.04M 293.07M 246.09M 295.25M 73.76M -754.82M -961.10M -189.74M -147.72M -185.43M -131.57M -88.66M
Net Debt Issuance -30.00M -264.00M -90.00M -14.00M -26.00M -65.57M -0.49M 50.00M 0.00M -27.68M -3.32M 23.89M
Long-Term Debt Issuance -150.00M -274.00M -90.00M -14.00M -26.00M -65.57M 0.00M 50.00M 0.00M -27.68M -3.32M 23.89M
Short-Term Debt Issuance 120.00M 10.00M 0.00M 0.00M 0.00M 0.00M -0.49M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance -99.16M -3.33M -2.84M -0.08M -23.61M -5.66M -16.01M 0.00M 0.00M 71.76M -11.08M -4.42M
Common Stock Issuance -0.21M -0.24M 0.00M 0.00M 0.08M 0.00M 2.57M 0.00M 0.00M 71.76M 0.00M 0.00M
Common Stock Repurchased -98.95M -3.09M -2.84M -0.08M -23.61M -5.66M -18.58M 0.00M 0.00M 0.00M -11.08M -4.42M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid -27.41M -27.75M -28.31M -27.70M -15.38M -9.70M -9.96M -8.76M -4.98M -4.41M -4.40M -4.49M
Common Dividends Paid -27.41M -27.75M -28.31M -27.70M -15.38M -9.70M -9.96M -8.76M -4.98M -4.41M -4.40M -4.49M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities 37.17M 55.88M 254.42M -394.24M -503.65M 1,063.11M 1,003.02M 82.40M 159.25M 54.27M 61.53M -15.00M
Net Cash from Financing Activities -119.39M -239.20M 133.27M -435.94M -568.63M 982.19M 976.56M 123.64M 154.27M 93.94M 42.73M -0.02M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash 212.23M 213.95M 511.98M 27.53M -385.80M 334.74M 76.52M -10.01M 55.87M -55.90M -52.80M -55.85M
Cash at Beginning of Period 2,566.11M 1,591.50M 399.24M 371.71M 757.51M 422.77M 346.25M 382.07M 326.20M 382.10M 434.90M 490.75M
Cash at End of Period 2,778.34M 1,805.45M 911.22M 399.24M 371.71M 757.51M 422.77M 372.06M 382.07M 326.20M 382.10M 434.90M
Operating Cash Flow 87.58M 160.07M 132.62M 168.22M 109.07M 107.38M 61.06M 56.09M 49.32M 35.59M 36.04M 32.83M
Capital Expenditure -2.04M -4.63M -4.66M -6.86M -3.81M -2.93M -7.18M -2.49M -1.29M -0.99M -1.88M -2.79M
Free Cash Flow 85.54M 155.44M 127.96M 161.36M 105.26M 104.45M 53.88M 53.60M 48.03M 35.59M 36.04M 30.04M

Free Cash Flow

Metric TTM TTM-1 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
EBITDA 295.51M 294.64M 288.89M 315.15M 157.93M 151.72M 106.46M 90.81M 82.50M 66.65M 61.98M 57.76M
(-) Tax Adjustment 60.10M 60.03M 59.70M 61.10M 28.02M 27.86M 19.85M 16.92M 15.98M 23.33M 18.98M 17.85M
(-) Change In Working Capital -62.67M 37.19M 5.66M 18.18M -10.96M 6.19M -19.68M 0.96M 0.07M 2.18M 1.19M 0.62M
(-) Capital Expenditure -2.04M -4.63M -4.66M -6.86M -3.81M -2.93M -7.18M -2.49M -1.29M -0.99M -1.88M -2.79M
Unlevered Free Cash Flow 294.50M 192.80M 218.87M 229.01M 137.06M 114.75M 99.11M 70.44M 65.16M 40.15M 39.93M 36.51M
(-) Net Interest Income After Taxes 319.60M 327.24M 323.68M 352.08M 237.70M 186.60M 164.89M 110.64M 100.51M 70.05M 70.45M 67.63M
Net Debt Issuance -30.00M -264.00M -90.00M -14.00M -26.00M -65.57M -0.49M 50.00M 0.00M -27.68M -3.32M 23.89M
Levered Free Cash Flow -55.10M -398.44M -194.81M -137.07M -126.64M -137.42M -66.26M 9.80M -35.35M -57.59M -33.84M -7.23M