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 Stellar Bancorp, Inc. cash conversion from operations to assess how effectively this company generates cash.
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 total reinvestment intensity of Stellar Bancorp, Inc. to assess the company's total reinvestment commitment from operating cash flow.
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 STEL stock 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 | — |