Stellar Bancorp, Inc. (STEL) — Financial Flexibility Index
Stellar Bancorp, Inc. (STEL) has a Financial Flexibility Index of 0.00x as of March 2026. Free cash flow of $16.78 Million (operating CF $16.51 Million minus capex $268.00K) represents 0% of total liabilities ($9.22 Billion). Check Stellar Bancorp, Inc. total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Stellar Bancorp, Inc. Financial Flexibility Index (2015–2025)
Historical Financial Flexibility Index trend for Stellar Bancorp, Inc. across 11 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Stellar Bancorp, Inc..
Annual Financial Flexibility Index for Stellar Bancorp, Inc. (2015–2025)
Year-by-year free cash flow to debt coverage for Stellar Bancorp, Inc.. Explore how well can Stellar Bancorp, Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $101.40 Million | $97.00 Million | $9.14 Billion | ▼ -24.8% |
| 2024 | 0.01x | $137.28 Million | $132.62 Million | $9.30 Billion | ▼ -23.0% |
| 2023 | 0.02x | $175.08 Million | $168.22 Million | $9.13 Billion | ▲ +61.8% |
| 2022 | 0.01x | $112.88 Million | $109.07 Million | $9.52 Billion | ▲ +109.7% |
| 2021 | 0.01x | $35.57 Million | $34.81 Million | $6.29 Billion | ▼ -64.3% |
| 2020 | 0.02x | $53.93 Million | $40.36 Million | $3.40 Billion | ▼ -20.4% |
| 2019 | 0.02x | $58.58 Million | $56.09 Million | $2.94 Billion | ▲ +9.8% |
| 2018 | 0.02x | $50.61 Million | $49.32 Million | $2.79 Billion | ▲ +30.6% |
| 2017 | 0.01x | $36.58 Million | $35.59 Million | $2.63 Billion | ▼ -5.0% |
| 2016 | 0.01x | $37.92 Million | $36.04 Million | $2.59 Billion | ▲ +4.2% |
| 2015 | 0.01x | $35.62 Million | $32.83 Million | $2.54 Billion | — |