Stellar Bancorp, Inc. (STEL) — Cash Flow Reinvestment Rate
Stellar Bancorp, Inc. (STEL) has a Cash Flow Reinvestment Rate of 19.17x as of March 2026, reinvesting $316.46 Million (capex $268.00K plus investments $316.19 Million) from operating cash flow of $16.51 Million. Check STEL operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Stellar Bancorp, Inc. Cash Flow Reinvestment Rate (2015–2025)
Historical reinvestment intensity for Stellar Bancorp, Inc. across 11 annual periods. Explore Stellar Bancorp, Inc. strategic investment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Stellar Bancorp, Inc. (2015–2025)
Year-by-year capital reinvestment analysis for Stellar Bancorp, Inc.. For live market cap and broader valuation context, see how much is Stellar Bancorp, Inc. worth.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 4.75x | $460.41 Million | $97.00 Million | $4.40 Million | ▲ +151.0% |
| 2024 | 1.89x | $250.75 Million | $132.62 Million | $4.66 Million | ▼ -53.1% |
| 2023 | 4.03x | $677.78 Million | $168.22 Million | $6.86 Million | ▼ -33.8% |
| 2022 | 6.09x | $664.23 Million | $109.07 Million | $3.81 Million | ▼ -79.4% |
| 2021 | 29.60x | $1.03 Billion | $34.81 Million | $756.00K | ▲ +215.4% |
| 2020 | 9.38x | $378.72 Million | $40.36 Million | $13.56 Million | ▲ +1612.2% |
| 2019 | 0.55x | $30.74 Million | $56.09 Million | $2.49 Million | ▲ +210.4% |
| 2018 | 0.18x | $8.71 Million | $49.32 Million | $1.29 Million | ▲ +533.5% |
| 2017 | 0.03x | $992.00K | $35.59 Million | $992.00K | ▼ -46.6% |
| 2016 | 0.05x | $1.88 Million | $36.04 Million | $1.88 Million | ▼ -38.5% |
| 2015 | 0.08x | $2.79 Million | $32.83 Million | $2.79 Million | — |