Stellar Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q