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Stellar Bancorp, Inc.

Financial Services US STEL

37.87USD
0.23(0.61%)

Last update at 2026-06-09T15:53:00Z

Day Range

37.8538.33
LowHigh

52 Week Range

19.9229.89
LowHigh

Fundamentals

  • Previous Close 37.64
  • Market Cap1501.99M
  • Volume128232
  • P/E Ratio16.59
  • Dividend Yield1.84%
  • Revenue TTM422.07M
  • Revenue Per Share TTM7.94
  • Gross Profit TTM 258.60M
  • Diluted EPS TTM1.70

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 62.52M 45.52M 32.40M 62.09M 58.65M
Minority interest - - - - -
Net income 51.43M 35.60M 26.36M 50.52M 47.29M
Selling general administrative 112.47M 79.01M 64.33M 64.87M 60.52M
Selling and marketing expenses 2.46M 1.55M 1.50M 1.83M 1.82M
Gross profit 309.31M 140.64M 141.94M 152.88M 137.37M
Reconciled depreciation 14.25M 5.68M 5.60M 5.44M 4.29M
Ebit 96.56M 45.52M 32.40M 62.09M 73.06M
Ebitda 110.81M 46.26M 33.24M 62.98M 74.05M
Depreciation and amortization 14.25M 0.74M 0.85M 0.89M 0.98M
Non operating income net other - - - - -
Operating income 96.56M 45.52M 32.40M 62.09M 69.75M
Other operating expenses 6.04M -95.12200M -109.54500M -90.79600M 67.62M
Interest expense 34.04M 5.93M 10.09M 17.41M 11.10M
Tax provision 11.09M 9.92M 6.03M 11.57M 11.36M
Interest income 322.99M 132.09M 138.69M 153.40M 135.76M
Net interest income 288.96M 126.17M 128.61M 135.99M 124.66M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 11.09M 9.92M 6.03M 11.57M 11.36M
Total revenue 309.31M 140.64M 141.94M 152.88M 137.37M
Total operating expenses 6.04M -95.12200M -109.54500M -90.79600M -67.62100M
Cost of revenue - - - - -
Total other income expense net -34.03600M -5.92600M -10.08700M -17.40700M -11.09800M
Discontinued operations - - - - -
Net income from continuing ops 51.43M 35.60M 26.36M 50.52M 47.29M
Net income applicable to common shares 51.43M 81.55M 45.53M 52.96M 37.31M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 10900.44M 4486.00M 3949.22M 3478.54M 3279.10M
Intangible assets 143.53M 3.66M 4.17M 4.94M 5.78M
Earning assets - - - - -
Other current assets 44.74M 2956.59M 3031.12M 2711.53M 2515.69M
Total liab 9517.26M 64.14M 66.45M 65.70M 2791.47M
Total stockholder equity 1383.18M 562.12M 546.45M 535.72M 487.62M
Deferred long term liab - - - - -
Other current liab -2.09800M 3831.28M - - -
Common stock 0.53M 0.25M 0.26M 0.26M 0.26M
Capital stock 0.53M 0.25M 0.26M 0.26M 0.26M
Retained earnings 303.15M 237.16M 214.46M 201.08M 160.63M
Other liab 41.84M 29.92M 23.34M 15.58M 12.53M
Good will 497.26M 80.95M 80.95M 80.95M 80.95M
Other assets 6101.23M 2598.07M 3014.37M 2672.25M 2515.69M
Cash 371.70M 950.15M 538.01M 372.06M 382.07M
Cash and equivalents - - - - -
Total current liabilities 2.10M 6052.34M 4995.50M 4075.29M 3665.35M
Current deferred revenue - - - - -
Net debt -198.41300M -886.00400M -471.56000M -306.36000M -380.49900M
Short term debt 63.92M - - - -
Short long term debt - - - - -
Short long term debt total 173.29M 64.14M 66.45M 65.70M 1.57M
Other stockholder equity 1222.76M 321.65M 324.96M 332.00M 329.72M
Property plant equipment 126.80M 63.71M 70.69M 66.79M 41.72M
Total current assets 2224.03M 1308.66M 538.01M 425.34M 382.07M
Long term investments 1807.59M 377.42M 220.53M 191.98M 242.99M
Net tangible assets 742.39M 578.17M 517.07M 464.35M 453.27M
Short term investments 1807.59M 358.52M - 53.28M 13.03M
Net receivables 44.74M 2836.18M - - -
Long term debt 109.37M 50.00M 50.00M 50.00M 1.57M
Inventory - - 9.20M 8.34M 0.63M
Accounts payable 2.10M 6047.64M 4988.48M 4068.10M 3662.54M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -143.26100M 3.06M 6.78M 2.39M -2.97500M
Additional paid in capital - - - - -
Common stock total equity 0.53M 0.25M - - -
Preferred stock total equity - - - - -
Retained earnings total equity 303.15M 237.16M - - -
Treasury stock - -14.19600M - - -
Accumulated amortization - - - - -
Non currrent assets other -2575.17400M -579.26200M -396.83900M -380.95100M -381.33700M
Deferred long term asset charges - - - - -
Non current assets total 2575.17M 579.26M 396.84M 380.95M 381.34M
Capital lease obligations - 14.14M 16.45M 15.70M -
Long term debt total 109.37M - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -660.41600M -1029.53600M -365.15600M -28.25100M 7.42M
Change to liabilities -16.45900M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 73.76M -754.82400M -961.10400M -233.51400M -31.15500M
Net borrowings -26.00000M -65.56900M 80.00M -91.38900M -87.07600M
Total cash from financing activities -568.63000M 511.29M 429.99M 123.64M 154.27M
Change to operating activities -13.64300M 7.53M 5.02M 5.15M 1.82M
Net income 51.43M 35.60M 26.36M 50.52M 47.29M
Change in cash -385.80400M 412.14M 165.94M -10.00600M 55.87M
Begin period cash flow 757.51M 538.01M 372.06M 382.07M 326.20M
End period cash flow 371.70M 950.15M 538.01M 372.06M 382.07M
Total cash from operating activities 109.07M 34.81M 40.36M 56.09M 49.32M
Issuance of capital stock - - - 0.00000M 0.00000M
Depreciation 14.25M 5.68M 5.60M 5.44M 4.29M
Other cashflows from investing activities 737.99M -1.53400M -1.32200M 5.10M 4.75M
Dividends paid -15.37800M -12.06500M -9.96200M -8.75700M 4.98M
Change to inventory - - - - -
Change to account receivables 2.62M - - - -
Sale purchase of stock -23.60500M -5.82500M -8.90500M -0.00300M 0.00000M
Other cashflows from financing activities -529.72400M 529.18M 448.86M 132.40M 159.25M
Change to netincome 10.66M 11.89M 27.72M 0.85M 5.01M
Capital expenditures 3.81M 0.76M 13.56M 2.49M 1.29M
Change receivables 2.62M - - - -
Cash flows other operating 40.83M - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes -385.80400M 412.14M - - -
Change in working capital -11.02000M 3.10M -7.88000M 0.96M 0.35M
Stock based compensation 9.04M 2.82M 1.94M 2.40M 1.60M
Other non cash items 43.43M -14.10400M 17.97M -1.56800M -3.48100M
Free cash flow 105.25M 34.05M 26.80M 53.60M 48.03M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
STEL
Stellar Bancorp, Inc.		 0.23 0.61% 37.87 16.59 13.79 3.53 1.02
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

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Profile

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 comprising 1-4 family residential mortgage loans, such as home equity and home improvement loans, and home equity lines of credit; 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. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Stellar Bancorp, Inc.

9 Greenway Plaza, Houston, TX, United States, 77046

Key Executives

Name Title Year Born
Mr. Steven F. Retzloff Exec. Chairman 1956
Mr. Ramon A. Vitulli III Pres 1968
Mr. Paul P. Egge Sr. EVP & CFO 1978
Mr. Okan I. Akin Chief Risk Officer 1971
Mr. Robert R. Franklin Jr. CEO & Director 1955
Courtney Theriot Exec. VP & Chief Accounting Officer NA
Mr. Justin M. Long Esq. Gen. Counsel 1975

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