Financial Overview

Latest Annual: 2024

Income Metrics

Revenue 431.0M
Net Income 115.0M 26.68%
EPS (Diluted) $2.15

Balance Sheet Metrics

Total Assets 10.9B
Total Liabilities 9.3B
Shareholders Equity 1.6B
Debt to Equity 5.78

Cash Flow Metrics

Operating Cash Flow 164.3M
Free Cash Flow 128.0M

Revenue & Profitability Trend

Stellar Bancorp Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue431.0M461.3M309.3M237.1M210.8M
Cost of Goods Sold-----
Gross Profit-----
Operating Expenses177.1M171.7M114.9M95.3M84.6M
Operating Income-----
Pre-tax Income145.0M161.9M62.5M99.9M56.0M
Income Tax30.0M31.4M11.1M18.3M10.4M
Net Income115.0M130.5M51.4M81.6M45.5M
EPS (Diluted)$2.15$2.45$1.47$1.45$1.06

Income Statement Trend

Stellar Bancorp Balance Sheet From 2021 to 2024

Metric20242023202220212021
Assets
Current Assets----1.7M
Non-Current Assets----3.3M
Total Assets10.9B---5.0M
Liabilities
Current Liabilities----247.4K
Non-Current Liabilities-----
Total Liabilities9.3B---247.4K
Equity
Total Shareholders Equity1.6B1.5B1.4B816.5M4.6M

Balance Sheet Composition

Stellar Bancorp Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income115.0M130.5M51.4M81.6M45.5M
Operating Cash Flow164.3M201.2M64.6M100.5M21.9M
Investing Activities
Capital Expenditures3.0M2.1M-1.5M-1.2M-3.2M
Investing Cash Flow-271.5M430.0M635.0M-1.0B-369.6M
Financing Activities
Dividends Paid-28.3M-27.7M-15.4M-9.7M-8.2M
Financing Cash Flow-121.6M-41.7M-64.9M-81.2M-24.2M
Free Cash Flow128.0M161.4M105.3M104.4M53.9M

Cash Flow Trend

Stellar Bancorp Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 12.95
Forward P/E 14.65
Price to Book 0.90
Price to Sales 3.33
PEG Ratio 14.65

Profitability Ratios

Profit Margin 26.36%
Operating Margin 37.82%
Return on Equity 7.23%
Return on Assets 1.07%

Financial Health

Debt to Equity 0.13
Beta 0.67

Per Share Data

EPS (TTM) $2.15
Book Value per Share $30.89
Revenue per Share $8.06

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
stel1.4B12.950.907.23%26.36%0.13
PNC Financial 70.3B12.561.3911.33%28.75%1.12
U.S. Bancorp 69.7B11.081.3111.53%26.38%1.34
Enterprise Financial 2.1B11.301.1810.82%31.46%0.34
OFG Bancorp 1.9B10.091.4615.46%31.15%0.21

Financial data is updated regularly. All figures are in the company's reporting currency.