Stellar Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Stellar Bancorp,
STEL Stock  USD 27.43  0.07  0.25%   
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
433.9 M
Profit Margin
0.265
Market Capitalization
1.5 B
Enterprise Value Revenue
3.558
Revenue
433.9 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

632.52 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 204.1 M or Selling General Administrative of 9 M, as well as many indicators such as Price To Sales Ratio of 2.39, Dividend Yield of 6.0E-4 or PTB Ratio of 1.49. 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 Assets6.2 B10.9 B4.8 B
Slightly volatile
Short and Long Term Debt Total74.8 M70.1 M59 M
Slightly volatile
Total Stockholder Equity857.1 M1.6 B648.2 M
Slightly volatile
Property Plant And Equipment Net86.8 M111.9 M73.8 M
Slightly volatile
Retained Earnings253.1 M492.6 M182.3 M
Slightly volatile
Cash503.5 M420 M453.6 M
Pretty Stable
Non Current Assets Total746.4 M701.7 M567.2 M
Slightly volatile
Other Assets4.4 B8.1 B3.4 B
Slightly volatile
Cash And Short Term Investments1.1 B2.1 B801.2 M
Slightly volatile
Good Will600.5 M571.9 M196.2 M
Slightly volatile
Common Stock Shares Outstanding34.9 M53.6 M29 M
Slightly volatile
Liabilities And Stockholders Equity6.2 B10.9 B4.8 B
Slightly volatile
Non Current Liabilities Total66.6 M70.1 M1.5 B
Slightly volatile
Other Stockholder Equity640.2 M1.2 B488.2 M
Slightly volatile
Total Liabilities9.8 B9.3 B3.8 B
Slightly volatile
Total Current Assets1.1 B2.1 B810 M
Slightly volatile
Intangible Assets97.2 M92.5 M33.5 M
Slightly volatile
Common Stock367.1 K534 K303.3 K
Slightly volatile
Total Current Liabilities16.2 M17.1 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 Investments1.8 B1.7 B454 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 Payable16.2 M17.1 M2.6 B
Slightly volatile
Long Term Debt77.1 M70.1 M36.3 M
Slightly volatile
Net Invested Capital1.1 B1.7 B765.2 M
Slightly volatile
Long Term Investments928.6 M1.7 B548.9 M
Slightly volatile
Capital Stock411.9 K534 K318.6 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 Gross119.5 M147.1 M84.1 M
Slightly volatile
Net Receivables44.1 M37.9 M35.7 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 Expense204.1 M194.4 M43.4 M
Slightly volatile
Selling General Administrative9 M9.4 M60.7 M
Pretty Stable
Selling And Marketing Expenses2.2 M4.1 M1.7 M
Slightly volatile
Total Revenue632.5 M602.4 M217.1 M
Slightly volatile
Gross Profit632.5 M602.4 M225.2 M
Slightly volatile
Other Operating Expenses12.9 M13.6 M87 M
Pretty Stable
Operating Income618.3 M588.8 M128.1 M
Slightly volatile
EBIT195.5 M186.2 M74.7 M
Slightly volatile
EBITDA237.1 M225.8 M86.6 M
Slightly volatile
Income Before Tax75.5 M145 M58.5 M
Slightly volatile
Net Income58.9 M115 M44.7 M
Slightly volatile
Income Tax Expense16.6 M30 M13.8 M
Slightly volatile
Tax Provision16.4 M30 M13.2 M
Slightly volatile
Net Interest Income260.7 M408 M182.3 M
Slightly volatile
Interest Income323.1 M602.4 M216.6 M
Slightly volatile
Net Income From Continuing Ops67.8 M115 M54.8 M
Slightly volatile
Reconciled Depreciation16.1 M32 M9.6 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 Compensation11.3 M10.8 M3.1 M
Slightly volatile
Free Cash Flow72.7 M132.6 M55.2 M
Slightly volatile
Begin Period Cash Flow490 M399.2 M462.4 M
Very volatile
Depreciation39.7 M37.8 M11.6 M
Slightly volatile
Dividends Paid922.5 K971 K7.3 M
Slightly volatile
Capital Expenditures4.3 M4.7 M3.6 M
Slightly volatile
Total Cash From Operating Activities76.4 M132.6 M58.5 M
Slightly volatile
Net Income58.9 M115 M44.7 M
Slightly volatile
End Period Cash Flow557.4 M911.2 M487.5 M
Slightly volatile
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 Ratio2.392.51974.8841
Slightly volatile
Dividend Yield6.0E-46.0E-40.0084
Pretty Stable
PTB Ratio1.490.9441.5059
Slightly volatile
Days Sales Outstanding21.8122.954373.2817
Slightly volatile
Book Value Per Share47.6230.030445.1113
Slightly volatile
Free Cash Flow Yield0.05330.08740.0599
Slightly volatile
Operating Cash Flow Per Share1.632.4771.844
Slightly volatile
Stock Based Compensation To Revenue0.01220.01790.0103
Slightly volatile
Capex To Depreciation0.170.180.5101
Pretty Stable
PB Ratio1.490.9441.5059
Slightly volatile
Free Cash Flow Per Share1.542.4771.727
Slightly volatile
Net Income Per Share1.262.14791.4078
Slightly volatile
Sales General And Administrative To Revenue0.01490.01560.3901
Slightly volatile
Capex To Revenue0.01810.01340.0226
Very volatile
Cash Per Share23.3439.091225.917
Slightly volatile
POCF Ratio17.1211.445516.7651
Slightly volatile
Interest Coverage4.983.02894.8825
Slightly volatile
Payout Ratio0.0080.00840.1809
Pretty Stable
Capex To Operating Cash Flow0.05950.03670.0744
Pretty Stable
PFCF Ratio18.7411.445518.3466
Slightly volatile
Income Quality1.061.15321.3164
Very volatile
ROE0.07750.07150.0708
Very volatile
PE Ratio21.9813.198721.9777
Slightly volatile
Return On Tangible Assets0.01110.01110.0097
Pretty Stable
Earnings Yield0.04370.07580.0489
Slightly volatile
Intangibles To Total Assets0.02820.05410.0335
Slightly volatile
Current Ratio184125141
Slightly volatile
Tangible Book Value Per Share18.0619.013437.8594
Slightly volatile
Receivables Turnover16.715.90126.2802
Slightly volatile
Graham Number22.5838.096425.237
Slightly volatile
Shareholders Equity Per Share18.430.030420.4528
Slightly volatile
Debt To Equity0.06850.04360.092
Pretty Stable
Capex Per Share0.10.120.1251
Very volatile
Revenue Per Share11.8111.25126.4324
Slightly volatile
Interest Debt Per Share5.194.94042.878
Slightly volatile
Debt To Assets0.00920.00640.0118
Very volatile
Enterprise Value Over EBITDA5.165.696.0886
Pretty Stable
Short Term Coverage Ratios17.7719.9921.7964
Slightly volatile
Price Earnings Ratio21.9813.198721.9777
Slightly volatile
Operating Cycle21.8122.954373.2817
Slightly volatile
Price Book Value Ratio1.490.9441.5059
Slightly volatile
Dividend Payout Ratio0.0080.00840.1809
Pretty Stable
Price To Operating Cash Flows Ratio17.1211.445516.7651
Slightly volatile
Price To Free Cash Flows Ratio18.7411.445518.3466
Slightly volatile
Pretax Profit Margin0.350.24060.3214
Pretty Stable
Ebt Per Ebit0.230.24620.7092
Slightly volatile
Operating Profit Margin1.030.97750.461
Slightly volatile
Effective Tax Rate0.260.20670.2597
Slightly volatile
Company Equity Multiplier8.16.78287.7237
Slightly volatile
Long Term Debt To Capitalization0.05790.04180.0797
Slightly volatile
Total Debt To Capitalization0.06180.04180.083
Pretty Stable
Return On Capital Employed0.05210.05410.0375
Pretty Stable
Debt Equity Ratio0.06850.04360.092
Pretty Stable
Ebit Per Revenue1.030.97750.461
Slightly volatile
Quick Ratio244125186
Slightly volatile
Dividend Paid And Capex Coverage Ratio14313721.7398
Slightly volatile
Net Income Per E B T0.610.79330.7321
Slightly volatile
Cash Ratio23.424.628650.2701
Slightly volatile
Cash Conversion Cycle21.8122.954375.2703
Slightly volatile
Operating Cash Flow Sales Ratio0.340.22020.3085
Very volatile
Days Of Sales Outstanding21.8122.954373.2817
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio1.021.10.9391
Slightly volatile
Cash Flow Coverage Ratios1.81.89173.1458
Very volatile
Price To Book Ratio1.490.9441.5059
Slightly volatile
Fixed Asset Turnover5.655.38552.5884
Slightly volatile
Capital Expenditure Coverage Ratio20.4222.0720.6857
Slightly volatile
Price Cash Flow Ratio17.1211.445516.7651
Slightly volatile
Enterprise Value Multiple5.165.696.0886
Pretty Stable
Debt Ratio0.00920.00640.0118
Very volatile
Cash Flow To Debt Ratio1.81.89173.1458
Very volatile
Price Sales Ratio2.392.51974.8841
Slightly volatile
Return On Assets0.01070.01050.0094
Pretty Stable
Asset Turnover0.03170.05520.0387
Very volatile
Net Profit Margin0.260.19090.2373
Pretty Stable
Gross Profit Margin1.021.151.2562
Slightly volatile
Price Fair Value1.490.9441.5059
Slightly volatile
Return On Equity0.07750.07150.0708
Very volatile

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 Earnings14.556
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 Revenue602.4 M632.5 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 0.02  0.01 
Capex To Revenue 0.01  0.02 
Revenue Per Share 11.25  11.81 
Ebit Per Revenue 0.98  1.03 

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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
View
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 Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
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
(0.08)
Dividend Share
0.53
Earnings Share
2.15
Revenue Per Share
8.115
Quarterly Revenue Growth
(0.04)
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.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
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Earnings
Projections
Details
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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