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. (STEL) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see how efficiently does Stellar Bancorp, Inc. generate cash.
Annual Cash Flow Quality Index for Stellar Bancorp, Inc. (2015–2025)
Year-by-year earnings quality comparison for Stellar Bancorp, Inc..
| 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 | — |