Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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
Gain (Loss) on Sale of Assets	0.76	0.3	-0.77	-0.39	-4.05	0.27
Gain (Loss) on Sale of Investments	-4.53	-3.06	5.77	6.58	5.73	7.76
Total Asset Writedown	-	-	-	-	0.95	1.32
Provision for Credit Losses	9.02	10.16	-2.88	8.94	50.71	-2.32
Accrued Interest Receivable	-2.39	-6.39	-3.62	-2.32	2.62	-1.32
Change in Other Net Operating Assets	3.75	3.47	3.82	4.2	2.82	2.86
Other Operating Activities	-5.29	-5.32	-0.09	6.85	0.67	2.16
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%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-3.9	-4.4	-4.66	-6.86	-3.81	-2.93
Sale of Property, Plant and Equipment	6.56	9.07	7.66	8.98	2.32	1.74
Cash Acquisitions	-	-	-	-	370.45	-
Investment in Securities	-123.86	-456.02	-292.33	436.61	271.56	-1,030
Net Decrease (Increase) in Loans Originated / Sold - Investing	-318.4	139.75	517.61	-134.71	-561.2	277.44
Other Investing Activities	-24.17	-36.63	17.81	-8.77	-5.56	-1.53
Investing Cash Flow	-463.77	-348.22	246.09	295.25	73.76	-754.82

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt Issued	15	-	-	-	-	-
Long-Term Debt Repaid	-	-30	-90	-14	-26	-65.57
Net Debt Issued (Repaid)	-15	-30	-90	-14	-26	-65.57
Issuance of Common Stock	-	-	-	-	0.08	3.81
Repurchase of Common Stock	-38.92	-73.35	-2.84	-	-23.61	-5.66
Common Dividends Paid	-29.81	-29.3	-28.31	-27.7	-15.38	-9.7
Total Dividends Paid	-29.81	-29.3	-28.31	-27.7	-15.38	-9.7
Net Increase (Decrease) in Deposit Accounts	419.3	-106.92	254.92	-394.17	-503.72	1,059
Other Financing Activities	-1.99	-0.98	-0.5	-0.08	-	-
Financing Cash Flow	333.58	-240.55	133.27	-435.94	-568.63	982.19

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-11.01	-491.76	511.98	27.53	-385.8	334.74

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	115.3	92.61	127.96	161.36	105.26	104.45
Free Cash Flow Growth	26.74%	-27.63%	-20.70%	53.30%	0.77%	93.85%
Free Cash Flow Margin	27.41%	22.41%	29.49%	35.67%	40.70%	43.62%
Free Cash Flow Per Share	2.25	1.79	2.39	3.03	3.01	3.62

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	173.57	184.39	188.64	144.87	33.69	25.57
Cash Income Tax Paid	18.5	18.5	27.4	13.49	15.05	19.25

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

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