Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	102.87	115	130.5	51.43	81.55
Depreciation & Amortization	29.64	32.03	34.47	14.25	7.55
Provision for Credit Losses	10.16	-2.88	8.94	50.71	-2.32
Stock-Based Compensation	9.15	10.76	9.95	9.04	3.98
Other Adjustments	-20.05	-24.13	-29.61	-2.6	13.3
Changes in Other Operating Activities	-34.77	1.84	13.98	-13.78	3.33
Operating Cash Flow	97	132.62	168.22	109.07	107.38
Operating Cash Flow Growth	-26.86%	-21.16%	54.23%	1.57%	75.85%
Net Change in Loans Held-for-Investment	139.75	517.61	-134.71	-561.2	277.44
Net Change in Securities and Investments	-492.64	-274.51	427.84	266	-1,031
Capital Expenditures	4.67	3	2.12	-1.49	-1.19
Other Investing Activities	-	-	-	370.45	-
Investing Cash Flow	-348.22	246.09	295.25	73.76	-754.82
Net Change in Deposits	-106.92	254.92	-394.17	-503.72	1,059
Long-Term Debt Repaid	-30	-40	-	-	-15.57
Net Long-Term Debt Issued (Repaid)	-30	-40	-	-	-15.57
Issuance of Common Stock	-0.98	-0.5	-0.08	0.08	3.81
Repurchase of Common Stock	-73.35	-2.84	-	-23.61	-5.66
Net Common Stock Issued (Repurchased)	-74.33	-3.34	-0.08	-23.53	-1.85
Common Dividends Paid	-29.3	-28.31	-27.7	-15.38	-9.7
Other Financing Activities	-	-14	-50	-26	-50
Financing Cash Flow	-240.55	133.27	-435.94	-568.63	982.19
Net Cash Flow	-491.76	511.98	27.53	-385.8	334.74
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%
FCF Margin	24.60%	31.25%	37.65%	41.60%	44.35%
Free Cash Flow Per Share	1.96	2.53	3.20	3.07	3.68
Levered Free Cash Flow	72.41	111.86	181.07	50.42	75.67
Unlevered Free Cash Flow	-0.46	36.86	50.57	-1.01	9.68

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

SEC Filings: 10-K · 10-Q