STEL - Stellar Bancorp, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	6.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	—	-2.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-134%)	-2.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-142%)	-3.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-156%)	—	-3.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-154%)	-6.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-202%)	-12.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-302%)	—	74.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1149%)	89.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1384%)	224.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3648%)	—	73.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1117%)	74.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1140%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	—	3.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-50%)	-1.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-127%)	-0.9% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	—	-7.6% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-227%)	-15.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-362%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	—	10.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	21.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+250%)	13.6% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+127%)	—	11.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+98%)	14.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	10.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	—	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	—	—	—	—	—	—
EPS Growth YoY (%)	15.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-20.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-15.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-30.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	13.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	15.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	62.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-13.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	4.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	48.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	126.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	433.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	36.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	80.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-84.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-28.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	29.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	700.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	12.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-79.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	48.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	9.2% Fair ↑ Fair Improving Year-over-year change in net income	3.7% Caution ↑ Caution Improving Year-over-year change in net income	-24.3% Weak ↓ Weak Declining Year-over-year change in net income	-11.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.5% Weak ↓ Weak Declining Year-over-year change in net income	-7.5% Weak ↑ Weak Improving Year-over-year change in net income	9.7% Fair ↓ Fair Declining Year-over-year change in net income	-15.4% Weak ↓ Weak Declining Year-over-year change in net income	-29.6% Weak ↓ Weak Declining Year-over-year change in net income	1228.8% Excellent ↑ Excellent Improving Year-over-year change in net income	116.4% Excellent ↑ Excellent Improving Year-over-year change in net income	114.0% Excellent ↑ Excellent Improving Year-over-year change in net income	250.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-95.5% Weak ↓ Weak Declining Year-over-year change in net income	-0.9% Weak ↓ Weak Declining Year-over-year change in net income	40.5% Excellent ↓ Excellent Declining Year-over-year change in net income	5.7% Fair ↓ Fair Declining Year-over-year change in net income	54.4% Excellent ↓ Excellent Declining Year-over-year change in net income	124.6% Excellent ↓ Excellent Declining Year-over-year change in net income	441.1% Excellent ↑ Excellent Improving Year-over-year change in net income	32.9% Excellent ↑ Excellent Improving Year-over-year change in net income	132.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-50.9% Weak ↓ Weak Declining Year-over-year change in net income	-84.9% Weak ↓ Weak Declining Year-over-year change in net income	-28.1% Weak ↓ Weak Declining Year-over-year change in net income	-10.5% Weak ↓ Weak Declining Year-over-year change in net income	0.4% Caution ↓ Caution Declining Year-over-year change in net income	29.6% Excellent ↓ Excellent Declining Year-over-year change in net income	15.1% Good ↓ Good Declining Year-over-year change in net income	621.1% Excellent ↑ Excellent Improving Year-over-year change in net income	29.6% Excellent ↑ Excellent Improving Year-over-year change in net income	26.8% Excellent ↑ Excellent Improving Year-over-year change in net income	32.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-74.1% Weak Weak Year-over-year change in net income	48.2% Excellent Excellent 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	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	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	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	18.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	20.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	40.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	43.1% Excellent → Excellent Stable Compound annual revenue growth over 3 years	45.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	44.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	46.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	48.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	50.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	18.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	—	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	—	4.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair Fair Compound annual revenue growth over 3 years	—	10.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	25.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	—	24.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	24.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	22.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	20.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	24.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	—	26.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	27.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	30.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	15.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	5.3% Fair Fair Compound annual revenue growth over 5 years	—	4.8% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-0.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-3.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-30.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-17.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	30.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	94.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	-0.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	34.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	136.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-17.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-38.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.5% Good Good Compound annual EPS growth over 3 years	18.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	30.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	30.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	31.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	29.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	—	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	35.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	30.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	34.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	37.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	38.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	—	27.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	33.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	33.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	—	47.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	41.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	34.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	21.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	7.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	25.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	41.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	41.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	35.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—	46.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	39.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	34.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	—	44.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	39.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	33.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—	33.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	—	—
Effective Tax Rate (%) (%)	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good → Good Stable 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%	17.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-11.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good ↑ Good Improving 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%	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%	16.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	76.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.5% 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%)	—	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	25.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	23.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	24.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	—	27.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	—	22.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	27.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	39.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	33.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	27.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	—	18.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	6.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	20.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	—	33.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	34.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	28.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	—	37.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	28.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	32.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	23.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	—	23.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—	—
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	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	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	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	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	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	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 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	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	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	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	1.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	2.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	2.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	2.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 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	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	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	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	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	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	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	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	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	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$2.18	—	$2.06	$2.02	$1.97	—	$1.98	$1.99	$2.03	—	$2.09	$2.13	$2.33	—	$2.25	$2.08	$1.55	—	$1.51	$1.41	$1.48	—	$1.44	$1.42	$1.47	—	$1.55	$1.67	$1.48	—	$1.41	$1.38	$1.30	—	$1.42	$1.36	$1.33	—	$1.33	—	—
Basic EPS, GAAP (USD)	$0.53	$0.51	$0.50	$0.51	$0.46	$0.47	$0.63	$0.56	$0.49	$0.51	$0.58	$0.66	$0.70	$-0.24	$0.51	$0.57	$0.43	$1.37	$0.59	$0.48	$0.41	$0.92	$0.26	$0.09	$0.30	$0.51	$0.52	$0.57	$0.42	$0.56	$0.52	$0.44	$0.37	$0.07	$0.46	$0.39	$0.31	$0.34	$0.31	—	—
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	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	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	N/A	N/A	N/A
Dividend per Share (USD)	$0.15	$0.15	$0.14	$0.14	$0.14	$0.14	$0.13	$0.13	$0.13	$0.13	$0.13	$0.13	$0.13	$0.13	$0.10	$0.10	$0.13	$-0.05	$0.13	$0.13	$0.13	$-0.02	$0.10	$0.10	$0.10	$0.10	$0.10	$0.10	$0.10	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	$0.05	—	—	—
Book Value per Share (USD)	$32.76	$32.78	$32.27	$31.20	$30.89	$30.09	$29.81	$29.23	$28.58	—	$27.40	$27.37	$27.14	—	$23.20	$24.43	$22.03	—	$23.11	$22.75	$22.31	—	$21.86	$21.71	$21.70	—	$21.07	$20.59	$20.01	—	$18.98	$18.55	$18.18	—	$17.27	$16.86	$16.48	—	$16.12	—	—
Tangible Book Value per Share (USD)	$22.99	$23.01	$22.56	$21.53	$21.36	$20.79	$29.81	$19.95	$19.30	—	$27.40	$27.37	$17.81	—	$23.20	$24.43	$18.72	—	$23.11	$22.75	$19.00	—	$21.86	$21.71	$18.42	—	$21.07	$20.59	$16.76	—	$18.98	$18.55	$14.92	—	$17.27	$16.86	$16.48	—	$16.12	—	—
Basic Weighted Avg Shares (shares)	50.83M	—	51.28M	51.53M	53.15M	—	54.54M	53.57M	53.34M	—	53.31M	53.30M	53.02M	—	28.29M	28.87M	24.50M	—	24.43M	24.45M	24.51M	—	24.75M	24.75M	24.93M	—	24.92M	24.92M	24.91M	—	24.86M	24.86M	24.83M	—	22.06M	22.06M	22.06M	—	21.87M	—	—
Dividend Payout Ratio (%)	28.3% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	29.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	28.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	27.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	30.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.4% Excellent ↑ Excellent 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%	18.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-54.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-3.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	22.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-2.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	111.1% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	19.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	8.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	13.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	71.4% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	14.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 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	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	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	N/A	N/A	N/A
Total Equity (USD)	$1.67B	$1.67B	$1.65B	$1.60B	$1.61B	$1.61B	$1.63B	$1.57B	$1.53B	$1.52B	$1.46B	$1.46B	$1.45B	$1.38B	$656.30M	$705.33M	$539.72M	$816.47M	$564.59M	$556.23M	$545.35M	$758.67M	$540.92M	$537.36M	$536.87M	$535.72M	$525.22M	$513.16M	$498.65M	$487.62M	$471.85M	$461.19M	$451.57M	$446.21M	$381.12M	$371.96M	$363.64M	$357.64M	$352.52M	$344.31M	$329.25M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$111.04M	—	$105.63M	$104.13M	$104.76M	—	$107.81M	$106.83M	$108.41M	—	$111.42M	$113.76M	$123.33M	—	$63.69M	$60.19M	$37.96M	—	$36.81M	$34.51M	$36.20M	—	$35.73M	$35.07M	$36.55M	—	$38.69M	$41.60M	$36.82M	—	$35.05M	$34.38M	$32.40M	—	$31.34M	$30.05M	$29.28M	—	$29.07M	—	—
Depreciation Expense (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$2.48M	—	—	$840.00K	$1.70M	$871.00K	$868.00K	$863.00K	—	$821.00K	$745.00K	$775.00K	$795.00K	$773.00K	$811.00K	$824.00K	$826.00K	$831.00K	$827.00K	$825.00K	$815.00K	$835.00K	$885.00K	$818.00K	$815.00K	$800.00K	—	—
Net Income, GAAP (USD)	$26.97M	$26.15M	$25.67M	$26.35M	$24.70M	$25.21M	$33.89M	$29.75M	$26.15M	$27.27M	$30.91M	$35.17M	$37.15M	$2.05M	$14.29M	$16.44M	$10.60M	$45.41M	$14.42M	$11.70M	$10.02M	$29.41M	$6.42M	$2.16M	$7.54M	$12.64M	$13.08M	$14.31M	$10.49M	$14.11M	$13.02M	$11.04M	$9.11M	$1.96M	$10.05M	$8.71M	$6.86M	$7.56M	$6.78M	—	—
Operating Cash Flow (USD)	$16.51M	$13.30M	$63.63M	$25.76M	$-5.68M	$3.88M	$59.53M	—	$31.10M	$31.33M	$38.90M	$48.97M	$49.02M	$34.95M	$33.26M	$24.80M	$6.50M	$52.40M	$30.50M	$8.58M	$15.90M	$32.48M	$3.57M	$14.63M	$10.39M	$11.89M	$19.61M	$14.58M	$10.02M	$14.15M	$13.77M	$13.70M	$7.70M	$8.58M	$9.36M	$6.83M	$10.83M	$6.83M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q4 FY2014 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	3.9%	3.8%	3.8%	3.7%	3.8%	3.8%	—	3.8%	3.8%	—	—	—	4.4%	—	—	—	2.9%	—	—	—	3.3%	—	—	—	3.8%	—	—	—	4.1%	—	—	—	3.8%	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	67.7%	—	69.2%	67.2%	67.0%	—	65.9%	66.7%	65.9%	—	63.5%	60.8%	58.9%	—	69.1%	63.0%	64.9%	—	66.2%	73.0%	64.3%	—	66.8%	64.1%	60.4%	—	57.0%	56.3%	61.3%	—	57.0%	58.2%	62.6%	—	60.7%	62.8%	62.9%	—	62.0%	—	—

Stellar Bancorp, Inc.

Analytical Summary

41-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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Signals

Percentile Rankings

Peer Comparison

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