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. Check tangible net worth ratio of Stellar Bancorp, Inc. to evaluate the tangible quality of 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. Also explore net asset growth rate of Stellar Bancorp, Inc. to track the company's year-over-year net asset growth rate.
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 Stellar Bancorp, Inc. (STEL) total market value.
| 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 | — |