Stellar Bancorp, Financials

STEL Stock  USD 27.40  0.07  0.25%   
Based on the key measurements obtained from Stellar Bancorp,'s financial statements, Stellar Bancorp, is performing exceptionally good at this time. It has a great probability to report excellent financial results in April. At this time, Stellar Bancorp,'s Intangible Assets are quite stable compared to the past year. Short Term Investments is expected to rise to about 1.8 B this year, although the value of Total Stockholder Equity will most likely fall to about 857.1 M. Key indicators impacting Stellar Bancorp,'s financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.260.1909
Significantly Up
Pretty Stable
Return On Assets0.01070.0105
Fairly Up
Pretty Stable
Return On Equity0.07750.0715
Significantly Up
Very volatile
Debt Equity Ratio0.06850.0436
Way Up
Pretty Stable
Operating Income618.3 M588.8 M
Sufficiently Up
Slightly volatile
Current Ratio184125
Way Up
Slightly volatile
The essential information of the day-to-day investment outlook for Stellar Bancorp, includes many different criteria found on its balance sheet. An individual investor should monitor Stellar Bancorp,'s cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Stellar Bancorp,.

Net Income

58.92 Million

  

Stellar Bancorp, Stock Summary

Stellar Bancorp, competes with LINKBANCORP, Coastal Financial, Finward Bancorp, ConnectOne Bancorp, and Bankwell Financial. Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. The company was founded in 2007 and is headquartered in Houston, Texas. Stellar Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 594 people.
Foreign Associate
  India
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS8589271068
CUSIP858927106 12481V104
LocationTexas; U.S.A
Business Address9 Greenway Plaza,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websiteir.stellarbancorpinc.com
Phone713 210 7600
CurrencyUSD - US Dollar

Stellar Bancorp, Key Financial Ratios

Stellar Bancorp, Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets3.9B4.5B10.9B10.6B10.9B6.2B
Net Debt(471.6M)(886.0M)(198.4M)(239.5M)(420.0M)(441.0M)
Retained Earnings214.5M237.2M303.1M405.9M492.6M253.1M
Cash538.0M950.1M371.7M399.2M420.0M503.5M
Other Assets3.0B2.6B6.1B8.4B8.1B4.4B
Total Liab66.4M64.1M9.5B9.1B9.3B9.8B
Total Current Assets538.0M1.3B2.2B1.6B2.1B1.1B
Intangible Assets4.2M3.7M143.5M116.7M92.5M97.2M
Common Stock255K253K530K533K534K367.1K
Other Current Liab(1.8M)(1.8M)(2.1M)(11.3M)(10.2M)(9.7M)
Other Current Assets539.2M790.9M416.4M443.5M510.0M506.6M
Short Term Debt1.8M3.0M4.6M4.4M5.1M3.1M
Other Liab15.6M23.3M29.9M41.8M48.1M27.1M
Net Tangible Assets464.3M517.1M578.2M742.4M853.7M606.2M
Accounts Payable5.0B1.8M2.1M11.3M17.1M16.2M
Inventory9.2M(824.3M)(416.4M)(443.5M)(399.1M)(419.1M)
Net Invested Capital596.5M612.1M1.6B1.7B1.7B1.1B
Capital Stock255K253K530K533K534K411.9K

Stellar Bancorp, Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense10.1M5.9M34.0M154.1M194.4M204.1M
Total Revenue141.9M140.6M309.3M461.3M602.4M632.5M
Gross Profit141.9M140.6M309.3M590.8M602.4M632.5M
Operating Income32.4M45.5M96.6M177.4M588.8M618.3M
Ebit32.4M38.7M96.6M161.9M186.2M195.5M
Ebitda38.0M46.3M110.8M196.4M225.8M237.1M
Income Before Tax32.4M45.5M62.5M161.9M145.0M75.5M
Net Income26.4M35.6M51.4M130.5M115.0M58.9M
Income Tax Expense6.0M9.9M11.1M31.4M30.0M16.6M
Tax Provision6.0M9.9M11.1M24.6M30.0M16.4M
Net Interest Income128.6M126.2M289.0M446.4M408.0M260.7M
Interest Income138.7M132.1M323.0M570.6M602.4M323.1M

Stellar Bancorp, Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash165.9M412.1M(385.8M)27.5M512.0M537.6M
Free Cash Flow26.8M34.1M105.3M161.4M132.6M72.7M
Depreciation5.6M5.7M14.3M34.5M37.8M39.7M
Other Non Cash Items18.0M(14.1M)43.4M(35.1M)(34.2M)(32.5M)
Dividends Paid10.0M12.1M15.4M(27.7M)(971K)(922.5K)
Capital Expenditures13.6M756K3.8M6.9M4.7M4.3M
Net Income26.4M35.6M51.4M130.5M115.0M58.9M
End Period Cash Flow538.0M950.1M371.7M399.2M911.2M557.4M
Investments(365.2M)(1.0B)(660.4M)670.9M246.1M258.4M
Net Borrowings(91.4M)80M(65.6M)(26M)(29.9M)(31.4M)
Change To Netincome855K27.7M11.9M10.7M12.3M12.3M

Stellar Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Stellar Bancorp,'s current stock value. Our valuation model uses many indicators to compare Stellar Bancorp, value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Stellar Bancorp, competition to find correlations between indicators driving Stellar Bancorp,'s intrinsic value. More Info.
Stellar Bancorp, is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.15  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Stellar Bancorp, is roughly  6.87 . At this time, Stellar Bancorp,'s Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Stellar Bancorp, by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Stellar Bancorp, Systematic Risk

Stellar Bancorp,'s systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Stellar Bancorp, volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Stellar Bancorp, correlated with the market. If Beta is less than 0 Stellar Bancorp, generally moves in the opposite direction as compared to the market. If Stellar Bancorp, Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Stellar Bancorp, is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Stellar Bancorp, is generally in the same direction as the market. If Beta > 1 Stellar Bancorp, moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Stellar Bancorp, Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Stellar Bancorp,'s growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Stellar Bancorp, growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.13)

At this time, Stellar Bancorp,'s Price Earnings To Growth Ratio is quite stable compared to the past year.

Stellar Bancorp, March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Stellar Bancorp, help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Stellar Bancorp,. We use our internally-developed statistical techniques to arrive at the intrinsic value of Stellar Bancorp, based on widely used predictive technical indicators. In general, we focus on analyzing Stellar Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Stellar Bancorp,'s daily price indicators and compare them against related drivers.
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:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Stellar Bancorp,. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in income.
For more information on how to buy Stellar Stock please use our How to buy in Stellar Stock guide.
You can also try the My Watchlist Analysis module to analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like.
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.
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.