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. See STEL free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
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. For the full cash flow conversion analysis, see Stellar Bancorp, Inc. (STEL) cash flow conversion.
Annual Cash Flow Reinvestment Rate for Stellar Bancorp, Inc. (2015–2025)
Year-by-year capital reinvestment analysis for Stellar Bancorp, Inc.. See STEL financial flexibility score to measure the company's free cash flow as a share of total liabilities.
| 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 | — |