Stellar Bancorp, Inc. (STEL) — Defensive Interval Ratio
Stellar Bancorp, Inc. (STEL) has a Defensive Interval Ratio of 62 days as of March 2026. Defensive assets of $1.52 Billion (cash $-, short-term investments $1.48 Billion, receivables $36.59 Million) cover 62 days of daily cash needs of $24.62 Million/day. See Stellar Bancorp, Inc. short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Stellar Bancorp, Inc. Defensive Interval Ratio (2017–2025)
This chart shows how Stellar Bancorp, Inc.'s Defensive Interval Ratio has evolved across 9 annual periods from 2017 to 2025. As of March 2026, the ratio stands at 62 days, meaning defensive assets of $1.52 Billion can fund 62 days of operations without new revenue. See Stellar Bancorp, Inc. net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Stellar Bancorp, Inc. (2017–2025)
The table below presents the year-by-year Defensive Interval Ratio for Stellar Bancorp, Inc. from 2017 to 2025, covering 9 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see STEL market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 164086 days | $1.84 Billion | $11.22K/day | $- | $1.81 Billion | ▲ +164037 days |
| 2024 | 49 days | $1.22 Billion | $25.06 Million/day | $- | $1.19 Billion | ▼ -10 days |
| 2023 | 59 days | $1.44 Billion | $24.34 Million/day | $- | $1.40 Billion | ▼ -14 days |
| 2022 | 73 days | $1.85 Billion | $25.40 Million/day | $- | $1.81 Billion | ▼ -36 days |
| 2021 | 109 days | $1.81 Billion | $16.57 Million/day | $- | $1.77 Billion | ▲ +87 days |
| 2020 | 22 days | $200.69 Million | $9.05 Million/day | $- | $200.69 Million | ▲ +15 days |
| 2019 | 7 days | $53.28 Million | $7.82 Million/day | $- | $53.28 Million | ▼ -1 days |
| 2018 | 8 days | $57.69 Million | $7.59 Million/day | $- | $57.69 Million | ▲ +8 days |
| 2017 | 0 days | $600.00K | $7.14 Million/day | $- | $600.00K | — |