Stellar Bancorp Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	1,674	1,349	1,462	1,342	1,456	516
Market Cap Growth	10.53%	-7.76%	9.01%	-7.89%	182.03%	21.10%
Last Close Price	32.80	26.20	26.48	24.58	26.14	23.54
PE Ratio	19.11	15.40	13.17	11.36	30.26	7.20
PS Ratio	4.76	3.83	3.49	3.28	6.02	2.45
PB Ratio	1.18	0.95	0.94	0.98	1.13	0.72
P/FCF Ratio	-	-	11.83	9.19	14.79	5.62
P/OCF Ratio	-	-	11.42	8.82	14.27	5.47
Debt / Equity Ratio	0.02	0.02	0.06	0.12	0.15	0.26
Debt / FCF Ratio	-	-	0.74	1.16	1.95	2.00
Net Debt / Equity Ratio	-0.23	-0.23	-0.51	-0.14	-0.13	-0.67
Net Debt / FCF Ratio	-	-	-6.43	-1.36	-1.66	-5.25
Return on Equity (ROE)	6.28%	6.28%	7.35%	8.99%	4.68%	10.36%
Return on Assets (ROA)	0.95%	0.95%	1.07%	1.21%	0.57%	1.24%
Earnings Yield	5.23%	6.50%	7.60%	8.80%	3.30%	13.89%
FCF Yield	-	-	8.45%	10.88%	6.76%	17.79%
Dividend Yield	1.51%	1.85%	1.93%	1.91%	1.54%	1.79%
Payout Ratio	-	-	24.62%	21.22%	29.90%	11.89%
Buyback Yield / Dilution	3.19%	3.19%	-0.37%	-52.29%	-21.25%	0.93%
Total Shareholder Return	4.70%	5.04%	1.56%	-50.38%	-19.71%	2.72%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.