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 Stellar Bancorp, Inc. free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see Stellar Bancorp, Inc. (STEL) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for Stellar Bancorp, Inc. (2015–2025)
Year-by-year debt coverage analysis for Stellar Bancorp, Inc.. Check STEL operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |