STEL
Stellar Bancorp, Inc.
NYSE · Financial Services · Banks - Regional · US
$39.32
+0.03%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 592.0M | 596.3M | 625.4M | 615.4M | 343.3M |
| Cost of Revenue | 178.0M | 183.0M | 191.5M | 163.0M | 84.7M |
| Gross Profit | 414.1M | 413.3M | 433.9M | 452.4M | 258.6M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 107.0M | 179.7M | 177.1M | 171.7M | 114.9M |
| General & Admin Expense | 102.3M | 175.0M | 172.9M | 168.1M | 112.5M |
| Selling & Marketing Expense | 4.7M | 4.7M | 4.1M | 3.6M | 2.5M |
| Other Expenses | 176.8M | 105.8M | 111.9M | 118.8M | 81.1M |
| Total Operating Expenses | 283.9M | 285.5M | 289.0M | 290.5M | 196.1M |
| Cost and Expenses | 461.8M | 468.5M | 480.5M | 453.5M | 280.8M |
| Operating Income (EBIT) | 130.2M | 127.8M | 145.0M | 161.9M | 62.5M |
| Non-Operating | |||||
| Interest Income | 577.2M | 574.5M | 602.4M | 590.8M | 323.0M |
| Interest Expense | 169.0M | 172.8M | 194.4M | 154.1M | 34.0M |
| Net Interest Income | 408.3M | 401.6M | 408.0M | 436.8M | 289.0M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 130.2M | 127.8M | 145.0M | 161.9M | 62.5M |
| Income Tax Expense | 25.1M | 24.9M | 30.0M | 31.4M | 11.1M |
| Bottom Line | |||||
| Net Income | 105.1M | 102.9M | 115.0M | 130.5M | 51.4M |
| Earnings from Cont. Ops | 105.1M | 102.9M | 115.0M | 130.5M | 51.4M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 105.1M | 102.9M | 115.0M | 130.5M | 51.4M |
| Per Share | |||||
| Basic EPS | $2.05 | $1.99 | $2.15 | $2.45 | $1.48 |
| Diluted EPS | $2.05 | $1.99 | $2.15 | $2.45 | $1.47 |
| Revenue Per Share | $11.59 | $11.52 | $11.68 | $11.56 | $9.88 |
| Shares | |||||
| Basic Shares Outstanding | 51.1M | 51.8M | 53.5M | 53.2M | 34.7M |
| Diluted Shares Outstanding | 51.1M | 51.8M | 53.6M | 53.3M | 35.0M |
| Profitability Metrics | |||||
| EBITDA | 159.1M | 157.4M | 177.0M | 196.4M | 76.8M |
| D&A | 29.0M | 29.6M | 32.0M | 34.5M | 14.3M |
| EBIT | 130.2M | 127.8M | 145.0M | 161.9M | 62.5M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Mar 1, 2026