Stellar Bancorp, Inc.
STEL
NASDAQ
31.66
USD-0.31(-0.97%)
As of today
Stellar Bancorp, Inc. fundamentals
STEL Income Statement
| Period Ending | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 117,523,000 | 123,662,000 | 129,222,000 | 148,735,000 | 170,559,000 | 249,918,000 | 261,746,000 | 343,348,000 | 615,379,000 | 625,446,000 | |
| Cost of Revenue | 14,604,000 | 12,980,000 | 8,547,000 | 9,342,000 | 19,792,000 | 66,453,000 | 22,298,000 | 84,748,000 | 163,001,000 | 191,528,000 | |
| Gross Profit | 102,919,000 | 110,682,000 | 120,675,000 | 139,393,000 | 150,767,000 | 183,465,000 | 239,448,000 | 258,600,000 | 452,378,000 | 433,918,000 | |
| Gross Profit Margin | 0.876 | 0.895 | 0.934 | 0.937 | 0.884 | 0.734 | 0.915 | 0.753 | 0.735 | 0.694 | |
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| General & Administrative Expenses | 49,182,000 | 52,340,000 | 56,999,000 | 59,360,000 | 63,569,000 | 83,078,000 | 93,584,000 | 112,468,000 | 168,066,000 | 172,925,000 | |
| Selling & Marketing Expenses | 925,000 | 789,000 | 1,461,000 | 1,824,000 | 1,831,000 | 1,565,000 | 1,692,000 | 2,460,000 | 3,627,000 | 4,127,000 | |
| SG&A Expenses | 50,107,000 | 53,129,000 | 58,460,000 | 61,184,000 | 65,400,000 | 84,643,000 | 95,276,000 | 114,928,000 | 171,693,000 | 177,052,000 | |
| Other Expenses | 17,885,000 | 18,335,000 | 18,191,000 | 19,556,000 | 23,279,000 | 42,851,000 | 44,278,000 | 81,148,000 | 118,801,000 | 111,906,000 | |
| Total Operating Expenses | 67,992,000 | 71,464,000 | 76,651,000 | 80,740,000 | 88,679,000 | 127,494,000 | 139,554,000 | 196,076,000 | 290,494,000 | 288,958,000 | |
| Total Costs & Expenses | 82,596,000 | 84,444,000 | 85,198,000 | 90,082,000 | 108,471,000 | 193,947,000 | 161,852,000 | 280,824,000 | 453,495,000 | 480,486,000 | |
| Interest Income | 105,525,000 | 109,951,000 | 116,659,000 | 135,759,000 | 153,395,000 | 241,762,000 | 253,184,000 | 322,994,000 | 590,817,000 | 602,400,000 | |
| Interest Expense | 7,654,000 | 8,405,000 | 8,885,000 | 11,098,000 | 17,407,000 | 39,079,000 | 24,620,000 | 34,036,000 | 154,058,000 | 194,408,000 | |
| Depreciation & Amortization | 4,948,000 | 4,426,000 | 4,432,000 | 4,294,000 | 5,440,000 | 7,638,000 | 7,550,000 | 14,254,000 | 34,467,000 | 32,027,000 | |
| EBITDA | 39,875,000 | 43,644,000 | 48,456,000 | 62,947,000 | 67,528,000 | 63,609,000 | 107,444,000 | 76,778,000 | 196,351,000 | 176,987,000 | |
| EBITDA Margin | 0.339 | 0.353 | 0.375 | 0.423 | 0.396 | 0.255 | 0.41 | 0.224 | 0.319 | 0.283 | |
| Operating Income | 34,927,000 | 39,218,000 | 44,024,000 | 58,653,000 | 62,088,000 | 55,971,000 | 99,894,000 | 62,524,000 | 161,884,000 | 144,960,000 | |
| Operating Income Margin | 0.297 | 0.317 | 0.341 | 0.394 | 0.364 | 0.224 | 0.382 | 0.182 | 0.263 | 0.232 | |
| Total Other Income/Expenses (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Income Before Tax | 34,927,000 | 39,218,000 | 44,024,000 | 58,653,000 | 62,088,000 | 55,971,000 | 99,894,000 | 62,524,000 | 161,884,000 | 144,960,000 | |
| Pre-Tax Income Margin | 0.297 | 0.317 | 0.341 | 0.394 | 0.364 | 0.224 | 0.382 | 0.182 | 0.263 | 0.232 | |
| Income Tax Expense | 10,791,000 | 12,010,000 | 16,453,000 | 11,364,000 | 11,571,000 | 10,437,000 | 18,341,000 | 11,092,000 | 31,387,000 | 29,957,000 | |
| Net Income | 24,136,000 | 27,208,000 | 27,571,000 | 47,289,000 | 50,517,000 | 45,534,000 | 81,553,000 | 51,432,000 | 130,497,000 | 115,003,000 | |
| Net Income Margin | 0.205 | 0.22 | 0.213 | 0.318 | 0.296 | 0.182 | 0.312 | 0.15 | 0.212 | 0.184 | |
| Earnings Per Share (EPS) | 1.11 | 1.25 | 1.23 | 1.9 | 2.03 | 1.06 | 2.85 | 1.48 | 2.45 | 2.15 | |
| Diluted Earnings Per Share (EPS) | 1.08 | 1.22 | 1.22 | 1.89 | 2.02 | 1.06 | 2.82 | 1.47 | 2.45 | 2.15 | |
| Weighted Average Shares Outstanding | 21,841,000 | 21,841,000 | 22,457,000 | 24,859,000 | 24,926,000 | 28,957,000 | 28,660,000 | 34,738,000 | 53,229,000 | 53,541,000 | |
| Weighted Average Shares Outstanding (Diluted) | 22,327,000 | 22,327,000 | 22,573,000 | 25,018,000 | 25,053,000 | 29,142,000 | 28,872,000 | 35,007,000 | 53,313,000 | 53,580,000 |