STEL

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Stellar Bancorp, Inc.

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STEL Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$309.31M	$461.32M	$431.04M	$423.41M
Selling, General & Admin	$114.93M	$171.69M	$177.05M	$179.70M
Pretax Income	$62.52M	$161.88M	$144.96M	$127.78M
Income Tax	$11.09M	$31.39M	$29.96M	$24.91M
Net Income	$51.43M	$130.50M	$115.00M	$102.87M
Diluted EPS	1.47	2.45	2.20	1.99
Diluted Shares	35.01M	53.31M	53.51M	51.80M

STEL Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$371.70M	$399.24M	$911.22M	$419.45M
Receivables	$44.74M	$44.24M	$37.88M	$35.87M
Total Assets	$10.90B	$10.65B	$10.91B	$10.81B
Long-Term Debt	$173.29M	$159.76M	$70.11M	$40.23M
Total Debt	$173.29M	$159.76M	$70.11M	$40.23M
Total Liabilities	$9.52B	$9.13B	$9.30B	$9.14B
Retained Earnings	$303.15M	$405.94M	$492.64M	$566.22M
Shareholders' Equity	$1.38B	$1.52B	$1.61B	$1.67B

STEL Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$109.07M	$168.22M	$132.62M	$97.00M
Capital Expenditure	-$3.81M	-$6.86M	-$4.66M	-$4.40M
Free Cash Flow	$105.25M	$161.36M	$127.96M	$92.61M
Depreciation & Amortisation	$14.25M	$34.47M	$32.03M	$29.64M
Stock-Based Compensation	$9.04M	$9.95M	$10.76M	$9.15M
Investing Cash Flow	$73.76M	$295.25M	$246.09M	-$348.22M
Financing Cash Flow	-$568.63M	-$435.94M	$133.27M	-$240.55M
Dividends Paid	-$15.38M	-$27.70M	-$28.31M	-$29.30M
Share Repurchases	-$23.61M	$0.00	-$2.84M	-$73.35M
Net Change in Cash	-$385.80M	$27.53M	$511.98M	-$491.76M

STEL Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$104.76M	$104.13M	$105.63M	$108.89M	$111.04M
Selling, General & Admin	$44.31M	$43.66M	$46.29M	$45.45M	$46.37M
Pretax Income	$30.96M	$33.03M	$32.18M	$31.60M	$33.38M
Income Tax	$6.26M	$6.68M	$6.51M	$5.45M	$6.41M
Net Income	$24.70M	$26.35M	$25.67M	$26.15M	$26.97M
Diluted EPS	0.46	0.51	0.50	0.51	0.53
Diluted Shares	53.20M	51.57M	51.36M	51.17M	50.94M

STEL Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$560.58M	$578.10M	$728.45M	$419.45M	$549.57M
Receivables	$37.67M	$35.54M	$34.87M	$35.87M	$36.59M
Total Assets	$10.43B	$10.49B	$10.63B	$10.81B	$10.89B
Long-Term Debt	$190.06M	$140.09M	$70.20M	$40.23M	$175.26M
Total Debt	$190.06M	$140.09M	$70.20M	$40.23M	$175.26M
Total Liabilities	$8.82B	$8.89B	$8.97B	$9.14B	$9.22B
Retained Earnings	$510.07M	$529.22M	$547.72M	$566.22M	$585.40M
Shareholders' Equity	$1.61B	$1.60B	$1.65B	$1.67B	$1.67B

STEL Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$5.68M	$25.76M	$63.63M	$13.30M	$16.51M
Capital Expenditure	-$770.00K	-$1.21M	-$1.15M	-$1.27M	-$268.00K
Free Cash Flow	-$6.45M	$24.55M	$62.48M	$12.03M	$16.24M
Depreciation & Amortisation	$7.54M	$7.54M	$7.57M	$6.99M	$6.86M
Stock-Based Compensation	$1.97M	$2.56M	$2.60M	$2.02M	$1.96M
Investing Cash Flow	$147.38M	-$41.77M	$24.91M	-$478.74M	$31.83M
Financing Cash Flow	-$492.34M	$33.55M	$61.81M	$156.44M	$81.78M
Dividends Paid	-$7.27M	-$7.21M	-$7.17M	-$7.65M	-$7.78M
Share Repurchases	-$39.40M	-$20.15M	-$4.87M	-$8.93M	-$5.98M
Net Change in Cash	-$350.64M	$17.53M	$150.34M	-$309.00M	$130.12M

Market Snapshot

About

Stellar Bancorp, Inc. is a Texas-based bank holding company that operates through its subsidiary Stellar Bank. The company provides commercial and consumer banking services including loans, deposits, treasury management, and mortgage lending primarily in the Houston metropolitan area.