Stellar Bancorp, Inc. Cash Flow Quality Index
Stellar Bancorp, Inc. 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. See STEL FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Stellar Bancorp, Inc. (2015–2025)
Cash flow quality index of Stellar Bancorp, Inc. from 2015 to 2025. Historical Cash Flow Quality Index for Stellar Bancorp, Inc. across 11 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore cash flow to debt ratio of Stellar Bancorp, Inc. to assess how comfortably operating cash covers total debt obligations.
Stellar Bancorp, Inc. Cash Flow Quality Index by Year (2015–2025)
Stellar Bancorp, Inc. cash flow quality index by year from 2015 to 2025. Year-by-year earnings quality comparison for Stellar Bancorp, Inc.. For the full cash flow conversion analysis, see Stellar Bancorp, Inc. (STEL) cash conversion ratio.
| 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 | — |