Stellar Bancorp Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Year	Current	2023	2022	2021	2020	2019	2018	2017	2016	2015
Market Capitalization	1,199	1,483	1,541	713	634	810	763	743	-	-
Market Cap Growth	-	-3.76%	116.14%	12.47%	-21.72%	6.07%	2.75%	-	-	-
Enterprise Value	1,124	1,243	1,342	154	162	504	385	424	-346	-395
PE Ratio	10.04	11.36	29.96	8.74	13.92	16.03	16.14	26.94	-	-
PS Ratio	2.74	3.28	5.96	2.98	3.46	5.32	5.43	6.07	-	-
PB Ratio	0.78	0.98	1.11	0.87	1.16	1.51	1.57	1.67	-	-
P/FCF Ratio	7.91	8.71	14.32	6.71	10.94	15.10	15.89	19.77	-	-
P/OCF Ratio	7.98	8.81	14.13	6.64	10.38	14.43	15.48	20.87	-	-
EV/Sales Ratio	2.57	2.75	5.19	0.64	0.88	3.31	2.74	3.47	-3.07	-3.73
EV/EBITDA Ratio	6.19	6.33	17.48	1.43	2.55	7.46	6.12	8.76	-7.93	-9.92
EV/EBIT Ratio	7.61	7.68	21.47	1.54	2.90	8.11	6.57	9.64	-8.82	-11.32
EV/FCF Ratio	7.42	7.30	12.48	1.45	2.80	9.40	8.02	11.29	-9.22	-13.16
Debt / Equity Ratio	0.21	0.11	0.13	0.24	0.12	0.12	0.01	0.02	0.10	0.12
Debt / EBITDA Ratio	1.79	0.81	2.26	1.85	1.04	0.98	0.06	0.17	0.84	1.00
Debt / FCF Ratio	2.14	0.94	1.61	1.87	1.15	1.23	0.08	0.22	0.98	1.33
Asset Turnover	0.04	0.04	0.04	0.05	0.05	0.05	0.04	0.04	0.04	-
Return on Equity (ROE)	8.00%	8.90%	7.00%	13.10%	8.40%	9.70%	10.10%	6.90%	7.80%	-
Return on Assets (ROA)	1.10%	1.20%	0.90%	1.70%	1.20%	1.50%	1.50%	0.90%	0.90%	-
Return on Capital (ROIC)	6.44%	7.76%	3.30%	8.03%	7.43%	8.39%	9.62%	6.07%	6.90%	6.28%
Earnings Yield	9.97%	8.80%	3.34%	11.44%	7.18%	6.24%	6.20%	3.71%	-	-
FCF Yield	12.64%	11.49%	6.98%	14.90%	9.14%	6.62%	6.29%	5.06%	-	-
Dividend Yield	2.31%	1.90%	1.80%	1.80%	1.60%	1.30%	0.70%	0.20%	-	-
Payout Ratio	23.21%	21.20%	35.10%	18.20%	25.50%	19.70%	10.50%	4.10%	0.00%	0.00%
Buyback Yield / Dilution	-0.61%	-1.84%	-112.77%	1.07%	4.50%	-0.21%	-3.66%	-2.38%	-	-
Total Shareholder Return	1.70%	0.06%	-110.97%	2.87%	6.10%	1.09%	-2.96%	-2.18%	-	-

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).