Stellar Bancorp, Inc. (STEL) — Cash Flow-to-Debt Ratio
Stellar Bancorp, Inc. (STEL) has a Cash Flow-to-Debt Ratio of 0.00x as of March 2026, meaning its operating cash flow of $16.51 Million could theoretically repay 0% of its total liabilities ($9.22 Billion) in one year. See STEL free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Stellar Bancorp, Inc. Cash Flow-to-Debt Ratio (2015–2025)
Historical debt coverage capacity for Stellar Bancorp, Inc. across 11 annual periods. Also explore Stellar Bancorp, Inc. equity growth rate to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Stellar Bancorp, Inc. (2015–2025)
Year-by-year debt coverage analysis for Stellar Bancorp, Inc.. For market capitalisation and broader financial context, see Stellar Bancorp, Inc. market cap and net worth.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $97.00 Million | $9.14 Billion | ▼ -25.6% |
| 2024 | 0.01x | $132.62 Million | $9.30 Billion | ▼ -22.6% |
| 2023 | 0.02x | $168.22 Million | $9.13 Billion | ▲ +60.8% |
| 2022 | 0.01x | $109.07 Million | $9.52 Billion | ▲ +107.0% |
| 2021 | 0.01x | $34.81 Million | $6.29 Billion | ▼ -53.3% |
| 2020 | 0.01x | $40.36 Million | $3.40 Billion | ▼ -37.8% |
| 2019 | 0.02x | $56.09 Million | $2.94 Billion | ▲ +7.9% |
| 2018 | 0.02x | $49.32 Million | $2.79 Billion | ▲ +30.8% |
| 2017 | 0.01x | $35.59 Million | $2.63 Billion | ▼ -2.8% |
| 2016 | 0.01x | $36.04 Million | $2.59 Billion | ▲ +7.4% |
| 2015 | 0.01x | $32.83 Million | $2.54 Billion | — |