Stellar Bancorp, Inc. (STEL)

NYSE: STEL · IEX Real-Time Price · USD
24.36
+0.02 (0.08%)
Mar 28, 2024, 4:00 PM EDT - Market closed

Total Valuation

STEL has a market cap or net worth of $1.30 billion. The enterprise value is $1.06 billion.

Market Cap 1.30B
Enterprise Value 1.06B

Important Dates

The next estimated earnings date is Friday, April 26, 2024, before market open.

Earnings Date Apr 26, 2024
Ex-Dividend Date Mar 15, 2024

Share Statistics

STEL has 53.30 million shares outstanding. The number of shares has increased by 1.84% in one year.

Shares Outstanding 53.30M
Shares Change (YoY) +1.84%
Shares Change (QoQ) -0.09%
Owned by Insiders (%) 15.49%
Owned by Institutions (%) 55.43%
Float 45.11M

Valuation Ratios

The trailing PE ratio is 9.94 and the forward PE ratio is 11.81.

PE Ratio 9.94
Forward PE 11.81
PS Ratio 2.87
Forward PS 2.93
PB Ratio 0.85
P/FCF Ratio 7.62
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.39, with an EV/FCF ratio of 6.21.

EV / Earnings 8.11
EV / Sales 2.34
EV / EBITDA 5.39
EV / EBIT 6.54
EV / FCF 6.21

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 0.11
Debt / EBITDA 0.81
Debt / FCF 0.94
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 8.90% and return on invested capital (ROIC) is 7.76%.

Return on Equity (ROE) 8.90%
Return on Assets (ROA) 1.20%
Return on Capital (ROIC) 7.76%
Revenue Per Employee $461,610
Profits Per Employee $133,160
Employee Count 980
Asset Turnover 0.04
Inventory Turnover n/a

Taxes

In the past 12 months, STEL has paid $31.39 million in taxes.

Income Tax 31.39M
Effective Tax Rate 19.39%

Stock Price Statistics

The stock price has decreased by -4.99% in the last 52 weeks. The beta is 0.86, so STEL's price volatility has been lower than the market average.

Beta (1Y) 0.86
52-Week Price Change -4.99%
50-Day Moving Average 24.50
200-Day Moving Average 23.89
Relative Strength Index (RSI) 55.10
Average Volume (30 Days) 143,419

Short Selling Information

The latest short interest is 829,637, so 1.56% of the outstanding shares have been sold short.

Short Interest 829,637
Short Previous Month 736,360
Short % of Shares Out 1.56%
Short % of Float 1.84%
Short Ratio (days to cover) 6.17

Income Statement

In the last 12 months, STEL had revenue of $452.38 million and earned $130.50 million in profits. Earnings per share was $2.45.

Revenue 452.38M
Gross Profit 452.38M
Operating Income 161.88M
Pretax Income 161.88M
Net Income 130.50M
EBITDA 196.35M
EBIT 161.88M
Earnings Per Share (EPS) $2.45
Full Income Statement

Balance Sheet

The company has $399.24 million in cash and $159.77 million in debt, giving a net cash position of $239.47 million or $4.49 per share.

Cash & Cash Equivalents 399.24M
Total Debt 159.77M
Net Cash 239.47M
Net Cash Per Share $4.49
Equity / Book Value 1.52B
Book Value Per Share 28.54
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $168.22 million and capital expenditures $2.12 million, giving a free cash flow of $170.34 million.

Operating Cash Flow 168.22M
Capital Expenditures 2.12M
Free Cash Flow 170.34M
FCF Per Share $3.20
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 35.79% and 28.85%.

Gross Margin 100.00%
Operating Margin 35.79%
Pretax Margin 35.79%
Profit Margin 28.85%
EBITDA Margin 43.40%
EBIT Margin 35.79%
FCF Margin 37.65%

Dividends & Yields

This stock pays an annual dividend of $0.52, which amounts to a dividend yield of 2.14%.

Dividend Per Share $0.52
Dividend Yield 2.14%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 21.22%
Buyback Yield -1.84%
Shareholder Yield 0.29%
Earnings Yield 10.06%
FCF Yield 13.13%
Dividend Details

Analyst Forecast

The average price target for STEL is $28.50, which is 17.00% higher than the current price. The consensus rating is "Buy".

Price Target $28.50
Price Target Difference 17.00%
Analyst Consensus Buy
Analyst Count 2
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 4