Stellar Bancorp, Inc. (STEL)
NYSE: STEL · Real-Time Price · USD
37.34
-0.15 (-0.40%)
May 29, 2026, 4:00 PM EDT - Market closed
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 |
| 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% |