Stellar Bancorp, Inc. (STEL)
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 |
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 |
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 |
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 |
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% |
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 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 |