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STEL

Stellar Bancorp, Inc.

STEL

Stellar Bancorp, Inc. • NASDAQ
$31.61 ▼ -0.22% (-0.07)
Market Cap $1.62 B
52w High $32.38
52w Low $24.13
Dividend Yield 0.56%
P/E 16.29
Volume 129.54K
Outstanding Shares 51.19M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $150.399M ▲ $73.142M ▲ $25.67M ▼ 17.068% ▼ $0.5 ▼ $39.752M ▼
Q2-2025 $148.49M ▲ $70.004M ▼ $26.352M ▲ 17.747% ▲ $0.51 ▲ $40.572M ▲
Q1-2025 $147.825M ▼ $70.166M ▼ $24.702M ▼ 16.71% ▲ $0.46 ▼ $38.508M ▼
Q4-2024 $155.054M ▼ $75.266M ▲ $25.212M ▼ 16.26% ▼ $0.52 ▼ $39.346M ▼
Q3-2024 $158.078M $71.066M $33.891M 21.439% $0.63 $50.851M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.571B ▲ $10.628B ▲ $8.975B ▲ $1.653B ▲
Q2-2025 $1.77B ▲ $10.493B ▲ $8.889B ▲ $1.604B ▼
Q1-2025 $1.716B ▼ $10.435B ▼ $8.824B ▼ $1.611B ▲
Q4-2024 $2.097B ▼ $10.906B ▲ $9.298B ▲ $1.608B ▼
Q3-2024 $2.208B $10.63B $9.004B $1.626B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $25.67M ▼ $63.628M ▲ $24.911M ▲ $61.806M ▲ $150.345M ▲ $62.858M ▲
Q2-2025 $26.352M ▲ $25.757M ▲ $-41.775M ▼ $33.547M ▲ $17.529M ▲ $26.527M ▲
Q1-2025 $24.702M ▼ $-5.679M ▼ $147.38M ▲ $-492.342M ▼ $-350.641M ▼ $-6.449M ▼
Q4-2024 $25.212M ▼ $3.878M ▼ $113.52M ▼ $277.601M ▲ $394.999M ▲ $2.605M ▼
Q3-2024 $33.891M $59.528M $138.933M $-172.494M $25.967M $57.69M

Revenue by Products

Product Q3-2022Q2-2023Q3-2023Q4-2023
Deposit Account Service Charge Fee
Deposit Account Service Charge Fee
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account Nonsufficient Funds Fee
Deposit Account Nonsufficient Funds Fee
 $0 ▲$0 ▲$0 ▲$0 ▲
Card interchange fees
Card interchange fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit account service charges
Deposit account service charges
 $0 ▲$0 ▲$0 ▲$0 ▲
Earnings on bankowned life insurance
Earnings on bankowned life insurance
 $0 ▲$0 ▲$0 ▲$0 ▲
Net gain on sales of assets
Net gain on sales of assets
 $0 ▲$0 ▲$0 ▲$0 ▲
Other
Other
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Stellar Bancorp shows a clear pattern of growth over the past several years, with revenue and profit both moving higher over time. Profitability looks solid for a community bank, though the most recent year shows a slight softening in earnings compared with the prior year, likely reflecting tougher funding costs and a more competitive rate environment. Overall, the bank appears consistently profitable, with healthy core banking income, but not immune to normal banking cycle pressures and margin squeeze risks.

Balance Sheet

Balance Sheet The balance sheet has expanded significantly over the last five years, with a notable step-up around the time of the merger. Assets and equity have both grown, suggesting a larger and better-capitalized franchise. Debt remains relatively modest compared with the size of the balance sheet, which is a constructive sign for financial stability. The bank holds a reasonable cushion of cash, though this has moved around year to year, which is typical as funding and loan demand shift. Overall, the balance sheet looks sound, but growth brings ongoing credit and integration risks that need careful management.

Cash Flow

Cash Flow Stellar generates steady, positive cash flow from its core operations, and this has generally improved over time. Free cash flow closely tracks operating cash flow, because the bank’s direct capital spending needs appear relatively light. That indicates the business model does not require heavy ongoing investment to sustain operations. The flip side is that, as a bank, the more meaningful “investment” is in loans and securities, which do not show up as traditional capital expenditure, so headline cash flow strength should be viewed in that context.

Competitive Edge

Competitive Edge Stellar is positioned as a relationship-focused Texas community bank with a strong tilt toward small and mid-sized businesses. Its edge comes less from unique products and more from local decision-making, personalized service, and deep knowledge of its core markets. The recent merger created a larger regional player with broader reach, but also the challenge of fully integrating cultures, systems, and brands. Competition from large national banks and tech-savvy fintechs remains intense, especially on price and digital convenience, so maintaining its service-led differentiation is critical.

Innovation and R&D

Innovation and R&D The bank is not a technology pioneer, but it has built out a modern set of digital services: mobile and online banking, digital wallets, Zelle, treasury management tools, and links to common accounting software. Innovation is incremental and focused on making banking easier for customers rather than reinventing the model. Partnerships with fintech firms are an important lever to keep capabilities current without massive in-house R&D. The main risk is falling behind if customer expectations for digital sophistication rise faster than Stellar upgrades its offerings, but for now its tools appear aligned with typical community-bank standards.

Summary

Stellar Bancorp has evolved into a larger, relationship-driven regional community bank with steadily improving profitability, a growing and generally conservative balance sheet, and reliable cash generation. Its strengths lie in local market expertise, personal service, and a full-service offering for small and mid-sized businesses, reinforced by a merger that expanded scale. Key watchpoints include pressure on margins from interest rate dynamics, credit quality as the loan book grows, execution on post-merger integration, and the need to keep digital capabilities advancing enough to remain competitive without losing its human, community-focused identity.

NEWS

November 20, 2025 · 4:45 PM UTC

Stellar Bancorp, Inc. Announces Increase in Quarterly Dividend

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October 24, 2025 · 7:00 AM UTC

Stellar Bancorp, Inc. Reports Third Quarter 2025 Results

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October 2, 2025 · 7:00 AM UTC

Stellar Bancorp, Inc. Announces Third Quarter 2025 Earnings Release and Conference Call Date

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