Stellar Bancorp, Inc. (STEL) — Cash Flow Quality Index
Stellar Bancorp, Inc. (STEL) has a Cash Flow Quality Index of 0.61x as of March 2026. Operating cash flow of $16.51 Million is below net income of $26.97 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore investment intensity of Stellar Bancorp, Inc. to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Stellar Bancorp, Inc. Cash Flow Quality Index (2015–2025)
Historical Cash Flow Quality Index for Stellar Bancorp, Inc. across 11 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Stellar Bancorp, Inc. (STEL) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Stellar Bancorp, Inc. (2015–2025)
Year-by-year earnings quality comparison for Stellar Bancorp, Inc.. For live market cap and the full company financial profile, see Stellar Bancorp, Inc. market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.94x | $97.00 Million | $102.87 Million | ▼ -18.2% |
| 2024 | 1.15x | $132.62 Million | $115.00 Million | ▼ -10.5% |
| 2023 | 1.29x | $168.22 Million | $130.50 Million | ▼ -39.2% |
| 2022 | 2.12x | $109.07 Million | $51.43 Million | ▲ +116.9% |
| 2021 | 0.98x | $34.81 Million | $35.60 Million | ▼ -36.1% |
| 2020 | 1.53x | $40.36 Million | $26.36 Million | ▲ +37.9% |
| 2019 | 1.11x | $56.09 Million | $50.52 Million | ▲ +6.5% |
| 2018 | 1.04x | $49.32 Million | $47.29 Million | ▼ -19.2% |
| 2017 | 1.29x | $35.59 Million | $27.57 Million | ▼ -2.6% |
| 2016 | 1.32x | $36.04 Million | $27.21 Million | ▼ -2.6% |
| 2015 | 1.36x | $32.83 Million | $24.14 Million | — |