Stellar Bancorp Cash Flow 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 Income	105.14	102.87	115	130.5	51.43	81.55
Depreciation & Amortization	28.95	29.64	32.03	34.47	14.25	7.55
Provision for Credit Losses	9.02	10.16	-2.88	8.94	50.71	-2.32
Stock-Based Compensation	9.14	9.15	10.76	9.95	9.04	3.98
Other Adjustments	-19.94	-20.05	-24.13	-29.61	-2.6	13.3
Changes in Other Operating Activities	-13.12	-34.77	1.84	13.98	-13.78	3.33
Operating Cash Flow	119.19	97	132.62	168.22	109.07	107.38
Operating Cash Flow Growth	24.37%	-26.86%	-21.16%	54.23%	1.57%	75.85%
Net Change in Loans Held-for-Investment	-318.4	139.75	517.61	-134.71	-561.2	277.44
Net Change in Securities and Investments	-148.04	-492.64	-274.51	427.84	266	-1,031
Capital Expenditures	2.66	4.67	3	2.12	-1.49	-1.19
Other Investing Activities	-	-	-	-	370.45	-
Investing Cash Flow	-463.77	-348.22	246.09	295.25	73.76	-754.82
Net Change in Deposits	419.3	-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	-1.99	-0.98	-0.5	-0.08	0.08	3.81
Repurchase of Common Stock	-38.92	-73.35	-2.84	-	-23.61	-5.66
Net Common Stock Issued (Repurchased)	-40.91	-74.33	-3.34	-0.08	-23.53	-1.85
Common Dividends Paid	-29.81	-29.3	-28.31	-27.7	-15.38	-9.7
Other Financing Activities	15	-	-14	-50	-26	-50
Financing Cash Flow	333.58	-240.55	133.27	-435.94	-568.63	982.19
Net Cash Flow	-11.01	-491.76	511.98	27.53	-385.8	334.74
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%
FCF Margin	28.97%	24.60%	31.25%	37.65%	41.60%	44.35%
Free Cash Flow Per Share	2.38	1.96	2.53	3.20	3.07	3.68
Levered Free Cash Flow	123.63	72.41	111.86	181.07	50.42	75.67
Unlevered Free Cash Flow	18.49	-0.46	36.86	50.57	-1.01	9.68

SEC Filings: 10-K · 10-Q