Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 12, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,609	1,514	1,483	1,556	587	522
Market Cap Growth	17.09%	2.10%	-4.73%	165.03%	12.59%	-19.46%
Last Close Price	31.33	28.06	26.98	27.96	27.04	23.36
PE Ratio	15.05	13.17	11.36	30.26	7.20	11.46
PS Ratio	3.90	3.49	3.28	6.02	2.45	2.84
PB Ratio	1.00	0.94	0.98	1.13	0.72	0.69
P/FCF Ratio	20.52	11.83	9.19	14.79	5.62	9.68
P/OCF Ratio	19.27	11.42	8.82	14.27	5.47	8.54
Debt / Equity Ratio	0.10	0.06	0.12	0.15	0.26	0.37
Debt / FCF Ratio	2.06	0.74	1.16	1.95	2.00	5.14
Return on Equity (ROE)	6.95%	7.35%	8.99%	4.68%	10.36%	6.20%
Return on Assets (ROA)	1.04%	1.07%	1.21%	0.57%	1.24%	0.83%
Earnings Yield	6.85%	7.60%	8.80%	3.30%	13.89%	8.73%
FCF Yield	4.87%	8.45%	10.88%	6.76%	17.79%	10.33%
Dividend Yield	1.79%	1.89%	1.93%	1.54%	1.77%	1.71%
Payout Ratio	26.90%	24.62%	21.22%	29.90%	11.89%	17.93%
Buyback Yield / Dilution	0.92%	-0.37%	-52.29%	-21.25%	0.93%	-36.02%
Total Shareholder Return	2.71%	1.52%	-50.37%	-19.71%	2.70%	-34.31%

Updated Jul 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q