Stellar Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Net Interest Income	408.29	401.62	407.99	436.76	288.96	228.56
Net Interest Income Growth	0.78%	-1.56%	-6.59%	51.15%	26.42%	12.77%
Non-Interest Income	21.4	21.79	23.05	24.56	20.35	8.56
Non-Interest Income Growth	-3.86%	-5.45%	-6.17%	20.67%	137.73%	4.98%
Revenues Before Loan Losses	429.69	423.41	431.04	461.32	309.31	237.13
Provision for Credit Losses	9.02	10.16	-2.88	8.94	50.71	-2.32
Revenue	420.67	413.25	433.92	452.38	258.6	239.45
Revenue Growth (YoY)	-2.34%	-4.76%	-4.08%	74.93%	8.00%	30.51%
Compensation Expenses	170.95	168.81	165.36	157.03	107.55	90.18
Selling, General & Admin	69.2	69.25	71.86	69.45	39.38	31.79
Other Non-Interest Expenses	50.32	47.42	51.74	64.01	49.14	17.59
Total Non-Interest Expense	290.47	285.47	288.96	290.49	196.08	139.55
Pretax Income	130.2	127.78	144.96	161.88	62.52	99.89
Provision for Income Taxes	25.06	24.91	29.96	31.39	11.09	18.34
Net Income	105.14	102.87	115	130.5	51.43	81.55
Net Income to Common	105.14	102.87	115	130.5	51.43	81.55
Net Income Growth	-7.42%	-10.55%	-11.87%	153.73%	-36.93%	79.10%
Shares Outstanding (Basic)	51	52	53	53	35	29
Shares Outstanding (Diluted)	51	52	54	53	35	29
Shares Change (YoY)	-4.57%	-3.18%	0.37%	52.29%	21.25%	-0.93%
EPS (Basic)	2.05	1.99	2.15	2.45	1.48	2.85
EPS (Diluted)	2.05	1.99	2.15	2.45	1.47	2.82
EPS Growth	-3.30%	-7.44%	-12.25%	66.67%	-47.87%	80.77%
Shares Outstanding	50.91	50.9	53.43	53.29	52.96	24.49
Free Cash Flow	121.85	101.67	135.62	170.34	107.58	106.19
Free Cash Flow Growth	19.85%	-25.03%	-20.39%	58.34%	1.31%	83.37%
Free Cash Flow Per Share	2.38	1.96	2.53	3.20	3.07	3.68
Dividends Per Share	0.580	0.570	0.530	0.520	0.430	0.480
Dividend Growth	1.75%	7.55%	1.92%	20.93%	-10.42%	20.00%
Profit Margin	24.99%	24.89%	26.50%	28.85%	19.89%	34.06%
FCF Margin	28.97%	24.60%	31.25%	37.65%	41.60%	44.35%
EBITDA	28.95	29.64	32.03	34.47	14.25	7.55
EBITDA Margin	6.88%	7.17%	7.38%	7.62%	5.51%	3.15%
Effective Tax Rate	19.25%	19.49%	20.67%	19.39%	17.74%	18.36%

Updated Mar 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q