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
Interest Income on Loans	484.02	484.88	531.68	537.72	280.38	230.71
Interest Income on Investments	93.23	89.59	70.72	53.1	42.62	22.47
Total Interest Income	577.25	574.47	602.4	590.82	322.99	253.18
Interest Paid on Deposits	163.97	166.81	181.99	128.62	26.96	16.99
Interest Paid on Borrowings	4.98	6.04	12.42	25.44	7.07	7.63
Total Interest Expense	168.95	172.85	194.41	154.06	34.04	24.62
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%
Gain (Loss) on Sale of Assets	-0.76	-0.3	0.77	0.39	4.05	-0.27
Other Non-Interest Income	15.82	15.81	15.85	18.11	12.61	7.16
Total 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 Loan Losses	9.02	10.16	-2.88	8.94	50.71	-2.32
Revenue	420.67	413.25	433.92	452.38	258.6	239.45
Revenue Growth	-2.34%	-4.76%	-4.08%	74.93%	8.00%	30.51%
Salaries and Employee Benefits	161.81	159.66	154.59	147.09	98.51	86.02
Occupancy Expenses	19.35	18.67	18.22	17.16	10.27	9.97
Federal Deposit Insurance	6.09	6.19	7.57	11.03	4.91	3.41
Amortization of Goodwill & Intangibles	20.92	21.58	24.22	26.88	9.3	3.3
Selling, General & Administrative	52.89	53.54	56.84	51.2	33.24	22.57
Other Non-Interest Expense	26.1	25.84	27.52	21.57	15.7	12.28
Total Non-Interest Expense	287.16	285.47	288.96	274.94	171.94	137.54
EBT Excluding Unusual Items	133.5	127.78	144.96	177.44	86.66	101.91
Pretax Income	130.2	127.78	144.96	161.88	62.52	99.89
Income Tax Expense	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%
Basic Shares Outstanding	51	52	53	53	35	29
Diluted Shares Outstanding	51	52	54	53	35	29
Shares Change	-4.14%	-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	-3.11%	-7.55%	-12.25%	66.67%	-47.87%	80.77%

Additional Metrics

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
Dividend Per Share	0.580	0.570	0.530	0.520	0.430	0.480
Dividend Growth	7.41%	7.55%	1.92%	20.93%	-10.42%	20.00%
Effective Tax Rate	19.25%	19.49%	20.67%	19.39%	17.74%	18.36%

SEC Filings: 10-K · 10-Q