S&P 500$7,609.78
+0.13%
2m
DOW 30$51,307.79
+0.45%
2m
NASDAQ 100$30,660.60
+0.48%
2m
Russell 2000$291.66
+0.93%
2m
Russell 1000$414.78
+0.21%
2m
S&P 400$3,754.68
+0.87%
2m
S&P 600$1,696.37
+0.88%
2m

STELLAR BANCORP (STEL)

NYSE

$36.95-$0.42 (-1.14%)

Price as of Jun 03, 2026 4:10 PM EDT

$1.9B
Market Cap
40.74%
1-Year Change
Banks - Regional
Industry

Annual

Quarterly

	12/31/2025	12/31/2024	12/31/2023	12/31/2022
Income Statement
Total Operating Revenue	401.6M -1.56%	408.0M -6.59%	436.8M +51.15%	289.0M +2,539.37%
Cost of Revenue	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Gross Profit	401.6M -1.56%	408.0M -6.59%	436.8M +51.15%	289.0M +2,539.37%
Sales and Marketing Expense	4.7M +14.05%	4.1M +13.79%	3.6M +47.44%	2.5M +58.61%
Research and Development Expense	-23.0M +6.13%	-21.7M +10.89%	-19.5M +72.23%	-11.3M +72.24%
Depreciation and Amortization Expense	29.6M -7.46%	32.0M -7.08%	34.5M +141.81%	14.3M +1,831.44%
Total Operating Expenses	285.5M -1.21%	289.0M -0.53%	290.5M +48.15%	196.1M +82.08%
Operating Profit	127.8M -11.85%	145.0M -10.45%	161.9M +158.91%	62.5M +37.36%
Interest Income	574.5M -4.64%	602.4M +1.96%	590.8M +82.92%	323.0M +144.52%
Interest Expense	-4.9M +11.22%	-4.4M -97.12%	-154.1M +352.63%	-34.0M +474.35%
Interest Income and Expense and Net	569.5M -4.75%	598.0M +36.91%	436.8M +51.15%	289.0M +129.03%
Total Nonoperating Income and Expense	401.6M -1.56%	408.0M -6.59%	436.8M +51.15%	289.0M +129.03%
Income before Taxes	127.8M -11.85%	145.0M -10.45%	161.9M +158.91%	62.5M +37.36%
Income Taxes	24.9M -16.85%	30.0M -4.56%	31.4M +182.97%	11.1M +11.81%
Extraordinary Items	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Net Income	102.9M -10.55%	115.0M -11.87%	130.5M +153.73%	51.4M +44.48%
Net Income from Continuing Operations Applicable to Common	102.9M -10.55%	115.0M -11.87%	130.5M +153.73%	51.4M +12.99%
Basic EPS and Net Income	1.99 -7.44%	2.15 -12.24%	2.45 +65.54%	1.48 +1.37%
Diluted EPS and Net Income	1.99 -7.44%	2.15 -12.24%	2.45 +66.67%	1.47 +1.38%
Basic Weighted Average Shares	51.8M -3.20%	53.5M +0.45%	53.2M +53.23%	34.7M +42.04%
Diluted Weighted Average Shares	51.8M -3.18%	53.5M +0.37%	53.3M +52.29%	35.0M +42.47%
Balance Sheet
Cash and Cash Equivalents	419.5M -53.97%	911.2M +128.24%	399.2M +7.41%	371.7M +1,242.43%
Short-Term Investments	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash and Cash Equivalents and Short-Term Investments	419.5M -53.97%	911.2M +128.24%	399.2M +7.41%	371.7M +1,242.43%
Total Current Assets	106.4M -0.99%	107.5M -3.79%	111.7M -13.49%	129.1M +565.63%
Accumulated Depreciation	42.1M +19.19%	35.3M +23.32%	28.6M +25.12%	22.9M -41.64%
Property and Plant and Equipment and Net	106.1M -5.13%	111.9M -5.75%	118.7M -6.40%	126.8M +117.07%
Total Long-Term Assets	106.4M -0.99%	107.5M -3.79%	111.7M -13.49%	129.1M +565.63%
Total Assets	10.8B -0.91%	10.9B +2.43%	10.6B -2.32%	10.9B +142.99%
Income Taxes Payable	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Total Short-Term Debt	2.2B +3.33%	2.1B +12.30%	1.9B +62.61%	1.1B N/A
Total Current Liabilities	2.0M -7.65%	2.2M +20.62%	1.8M -10.04%	2.0M N/A
Total Long-Term Debt	40.2M -42.62%	70.1M -36.13%	109.8M +0.36%	109.4M +107.13%
Total Long-Term Liabilities	2.2B +3.25%	2.1B +15.17%	1.8B +7,855.82%	23.1M +63.60%
Total Liabilities	9.1B -1.72%	9.3B +1.88%	9.1B -4.11%	9.5B +142.55%
Retained Earnings	566.2M +14.94%	492.6M +21.36%	405.9M +33.91%	303.1M +27.82%
Total Stockholders Equity	1.7B +3.78%	1.6B +5.71%	1.5B +9.97%	1.4B +146.06%
Total Shares Outstanding	50.9M -4.73%	53.4M +0.26%	53.3M +0.63%	53.0M +116.25%
Cash Flow
Cash from Operating Activities	97.0M -26.86%	132.6M -21.16%	168.2M +54.23%	109.1M +213.31%
Capital Expenditures	4.4M -5.68%	4.7M -32.04%	6.9M +80.03%	3.8M N/A
Cash from Investing Activities	-348.2M -241.50%	246.1M -16.65%	295.3M +300.29%	73.8M +155.06%
Dividends Paid	29.3M +3.49%	28.3M +2.20%	27.7M +80.11%	15.4M +27.46%
Cash from Financing Activities	-240.5M -280.50%	133.3M +130.57%	-435.9M -23.34%	-568.6M -211.22%
Financials Ratio
Gross Margin	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Operating Margin	31.82% -10.45%	35.53% -4.14%	37.06% +71.30%	21.64% -94.80%
Return on Assets	0.95% -11.21%	1.07% -11.89%	1.21% +81.18%	0.67% -20.79%
Return on Equity	6.28% -14.58%	7.35% -18.20%	8.99% +69.95%	5.29% -17.67%
Revenue Growth	-1.56% -76.29%	-6.59% -112.88%	51.15% -97.99%	2,539.37% +45,019.12%
Current Ratio	52.80 +7.22%	49.24 -20.23%	61.74 -3.83%	64.19 N/A
Cash Ratio	208.17 -50.15%	417.61 +89.22%	220.69 +19.40%	184.84 N/A
Debt-to-Equity Ratio	1.32 -1.86%	1.35 +3.70%	1.30 +42.95%	0.91 +869.65%
Debt-to-Assets Ratio	0.20 +2.76%	0.20 +7.05%	0.19 +60.95%	0.12 +878.81%

Earnings & Revenue History

Debt-to-Assets

Cash Flow