Stellar Bancorp, Inc.

STEL

NASDAQ

29.47

USD

-0.79(-2.61%)

As of today

Overview Financials Dividends Ratios Discussions Analysis

Stellar Bancorp, Inc. fundamentals

Overview Income Statement Balance Sheet Cash Flow

Key ratios

P/E Ratio

15.19

Price/Book

0.93

Debt/Equity

4.25%

Return on Equity

6.30%

Dividend Yield

1.87%

EBITDA

176.99M

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.

Statements Highlights

AnnualQuarterly

Period Ending	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Total Revenue	249,918,000	261,746,000	343,348,000	615,379,000	625,446,000
Gross Profit	183,465,000	239,448,000	258,600,000	452,378,000	433,918,000
Operating Income	55,971,000	99,894,000	62,524,000	161,884,000	144,960,000
Net Income	45,534,000	81,553,000	51,432,000	130,497,000	115,003,000
Total Assets	3,949,217,000	7,104,954,000	10,900,437,000	10,647,139,000	10,905,790,000
Total Current Liabilities	3,301,794,000	6,049,392,000	9,269,730,000	8,884,755,000	9,145,436,000
Total Equity	546,451,000	816,468,000	1,383,176,000	1,521,018,000	1,607,860,000
Free Cash Flow	53,881,000	104,449,000	105,255,000	161,356,000	127,956,000
Cash from Operations	61,063,000	107,381,000	109,066,000	168,217,000	132,619,000
Cash from Investing	-961,104,000	-754,824,000	73,760,000	295,254,000	246,091,000
Cash from Financing	976,559,000	982,186,000	-568,630,000	-435,939,000	133,269,000
Net Change in Cash	76,518,000	334,743,000	-385,804,000	27,532,000	511,979,000