STEL
Stellar Bancorp, Inc.
NYSE: STEL · FINANCIAL SERVICES · BANKS - REGIONAL
$37.32
-0.72% today
Updated 2026-04-29
Market cap
$1.90B
P/E ratio
18.12
P/S ratio
4.60x
EPS (TTM)
$2.06
Dividend yield
—
52W range
$25 – $40
Volume
0.4M
Stellar Bancorp, Inc. (STEL) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $117.52M | $123.66M | $129.22M | $148.74M | $170.56M | $249.92M | $261.75M | $343.35M | $615.38M | $625.45M | $596.26M |
| Revenue growth (YoY) | — | +5.2% | +4.5% | +15.1% | +14.7% | +46.5% | +4.7% | +31.2% | +79.2% | +1.6% | -4.7% |
| Cost of revenue | $14.60M | $12.98M | $8.55M | $9.34M | $19.79M | $66.45M | $22.30M | $84.75M | $163.00M | $191.53M | $183.01M |
| Gross profit | $102.92M | $110.68M | $120.67M | $139.39M | $150.77M | $183.47M | $239.45M | $258.60M | $452.38M | $433.92M | $413.25M |
| Gross margin | 87.6% | 89.5% | 93.4% | 93.7% | 88.4% | 73.4% | 91.5% | 75.3% | 73.5% | 69.4% | 69.3% |
| R&D | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $49.18M | $52.34M | $57.00M | $59.36M | $63.57M | $83.08M | $93.58M | $112.47M | $168.07M | $172.93M | $186.43M |
| Operating income | $34.93M | $39.22M | $44.02M | $58.65M | $62.09M | $55.97M | $99.89M | $62.52M | $161.88M | $144.96M | $127.78M |
| Operating margin | 29.7% | 31.7% | 34.1% | 39.4% | 36.4% | 22.4% | 38.2% | 18.2% | 26.3% | 23.2% | 21.4% |
| EBITDA | $39.88M | $43.64M | $48.46M | $62.95M | $67.53M | $63.61M | $107.44M | $76.78M | $196.35M | $176.99M | $127.78M |
| EBITDA margin | 33.9% | 35.3% | 37.5% | 42.3% | 39.6% | 25.5% | 41.0% | 22.4% | 31.9% | 28.3% | 21.4% |
| EBIT | $34.93M | $39.22M | $44.02M | $58.65M | $62.09M | $55.97M | $99.89M | $62.52M | $161.88M | $144.96M | — |
| Interest expense | $7.65M | $8.40M | $8.88M | $11.10M | $17.41M | $39.08M | $24.62M | $34.04M | $154.06M | $194.41M | $172.85M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $24.14M | $27.21M | $27.57M | $47.29M | $50.52M | $45.53M | $81.55M | $51.43M | $130.50M | $115.00M | $102.87M |
| Net income growth (YoY) | — | +12.7% | +1.3% | +71.5% | +6.8% | -9.9% | +79.1% | -36.9% | +153.7% | -11.9% | -10.5% |
| Profit margin | 20.5% | 22.0% | 21.3% | 31.8% | 29.6% | 18.2% | 31.2% | 15.0% | 21.2% | 18.4% | 17.3% |