Stellar Bancorp (STEL) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income 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
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 431.0M | 461.3M | 309.3M | 237.1M | 210.8M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 177.1M | 171.7M | 114.9M | 95.3M | 84.6M |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 145.0M | 161.9M | 62.5M | 99.9M | 56.0M |
| Income Tax | 30.0M | 31.4M | 11.1M | 18.3M | 10.4M |
| Net Income | 115.0M | 130.5M | 51.4M | 81.6M | 45.5M |
| EPS (Diluted) | $2.15 | $2.45 | $1.47 | $1.45 | $1.06 |
Income Statement Trend
Stellar Bancorp Balance Sheet From 2021 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | 1.7M |
| Non-Current Assets | - | - | - | - | 3.3M |
| Total Assets | 10.9B | - | - | - | 5.0M |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | 247.4K |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 9.3B | - | - | - | 247.4K |
| Equity | |||||
| Total Shareholders Equity | 1.6B | 1.5B | 1.4B | 816.5M | 4.6M |
Balance Sheet Composition
Stellar Bancorp Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 115.0M | 130.5M | 51.4M | 81.6M | 45.5M |
| Operating Cash Flow | 164.3M | 201.2M | 64.6M | 100.5M | 21.9M |
| Investing Activities | |||||
| Capital Expenditures | 3.0M | 2.1M | -1.5M | -1.2M | -3.2M |
| Investing Cash Flow | -271.5M | 430.0M | 635.0M | -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 Flow | 128.0M | 161.4M | 105.3M | 104.4M | 53.9M |
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
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| stel | 1.4B | 12.95 | 0.90 | 7.23% | 26.36% | 0.13 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| Enterprise Financial | 2.1B | 11.30 | 1.18 | 10.82% | 31.46% | 0.34 |
| OFG Bancorp | 1.9B | 10.09 | 1.46 | 15.46% | 31.15% | 0.21 |
Financial data is updated regularly. All figures are in the company's reporting currency.