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Stellar Bancorp, Inc.

STEL

$39.27 0.00 (0.00%) at close

12 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Stellar Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.0B

Dividend Yield 1.45%

Revenue Growth -1.8% ↗

Op. Margin 30.2% ↘

ROIC None

FCF / Share None

Trailing P/E 19.7x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Jun 30, 2026.

12-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$423.41M

↓ -1.8% —

Net Income Profit after all expenses

$102.87M

↓ -10.5% —

Operating Margin Operating profit as % of sales

30.2%

↓ -10.3% 86th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.57 Latest / share

+7.5% YoY

+11.0% 11-yr CAGR

FY 2014

$0.20

FY 2015

$0.20

FY 2016

$0.20

FY 2017

$0.20

FY 2018

$0.40

FY 2019

$0.40

FY 2020

$0.34

FY 2021

$0.43

FY 2022

$0.52

FY 2023

$0.53

FY 2024

$0.57

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	-1.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-129%)	-6.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-209%)	49.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+719%)	30.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+407%)	65.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+990%)	-7.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-221%)	11.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+88%)	13.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+131%)	4.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	3.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	—	—
EPS Growth YoY (%)	-7.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-12.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	65.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-48.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	168.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-47.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	54.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	15.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-10.5% Weak ↓ Weak Declining Year-over-year change in net income	-11.9% Weak ↓ Weak Declining Year-over-year change in net income	153.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.9% Weak ↓ Weak Declining Year-over-year change in net income	209.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-47.8% Weak ↓ Weak Declining Year-over-year change in net income	6.8% Fair ↓ Fair Declining Year-over-year change in net income	71.5% Excellent ↑ Excellent Improving Year-over-year change in net income	1.3% Caution Caution Year-over-year change in net income	12.7% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	22.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	47.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.6% Fair Fair Compound annual revenue growth over 3 years	7.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	24.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	22.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	27.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	20.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.1% Excellent Excellent Compound annual revenue growth over 5 years	4.9% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	-9.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	32.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-10.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.2% Excellent Excellent Compound annual EPS growth over 3 years	21.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	30.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	33.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	35.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	20.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	42.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	22.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	40.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	42.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	36.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	33.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	31.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—
Effective Tax Rate (%) (%)	19.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	28.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	34.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	18.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	32.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	34.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	22.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	21.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	7.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	8.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	10.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	7.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	7.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$8.18	$8.06	$8.67	$8.90	$8.27	$5.79	$6.20	$5.59	$5.43	$5.32	$5.02	—
Basic EPS, GAAP (USD)	$1.99	$2.15	$2.45	$1.48	$2.85	$1.06	$2.03	$1.90	$1.23	$1.23	$1.07	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.57	$0.53	$0.52	$0.43	$0.34	$0.40	$0.40	$0.20	$0.20	$0.20	$0.20	—
Book Value per Share (USD)	$32.78	$30.09	$28.54	$26.12	$28.30	$22.20	$21.45	$19.58	$17.97	$16.21	$15.33	—
Tangible Book Value per Share (USD)	$23.01	$20.79	$19.21	$16.73	$20.55	$18.91	$18.21	$16.33	$14.71	$12.54	$15.33	—
Basic Weighted Avg Shares (shares)	51.76M	53.47M	53.23M	34.74M	28.66M	24.76M	24.93M	24.86M	22.46M	22.05M	22.46M	—
Dividend Payout Ratio (%)	28.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	18.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$1.67B	$1.61B	$1.52B	$1.38B	$816.47M	$546.45M	$535.72M	$487.62M	$446.21M	$357.64M	$344.31M	$329.25M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$423.41M	$431.04M	$461.32M	$309.31M	$237.13M	$143.39M	$154.62M	$138.91M	$121.98M	$117.30M	$112.84M	—
Depreciation Expense (USD)	$8.10M	$7.80M	$7.60M	$5.00M	$4.30M	$3.24M	$3.20M	$3.31M	$3.35M	$3.26M	$3.64M	—
Net Income, GAAP (USD)	$102.87M	$115.00M	$130.50M	$51.43M	$81.55M	$26.36M	$50.52M	$47.29M	$27.57M	$27.21M	$24.14M	—
Operating Cash Flow (USD)	$97.00M	$132.62M	$168.22M	$109.07M	$107.38M	$40.36M	$56.09M	$49.32M	$35.59M	$36.04M	$32.83M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	3.7%	3.7%	4.1%	2.7%	3.2%	3.3%	3.9%	3.8%	3.5%	3.4%	—	—
Efficiency Ratio (%) (%)	67.4%	67.0%	63.0%	63.4%	58.9%	64.2%	58.3%	59.0%	64.2%	62.7%	62.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 12 years · 41 quarters

Stellar Bancorp, Inc.

Analytical Summary

12-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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