Stellar Bancorp, Inc. Financial Flexibility Index
Stellar Bancorp, Inc. 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). See STEL free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Stellar Bancorp, Inc. (2015–2025)
Financial flexibility index of Stellar Bancorp, Inc. from 2015 to 2025. Historical Financial Flexibility Index trend for Stellar Bancorp, Inc. across 11 annual periods. Check earnings quality score of Stellar Bancorp, Inc. to evaluate the quality of earnings relative to operating cash generation.
Stellar Bancorp, Inc. Financial Flexibility Index by Year (2015–2025)
Stellar Bancorp, Inc. financial flexibility index by year from 2015 to 2025. Year-by-year free cash flow to debt coverage for Stellar Bancorp, Inc.. For the full cash flow conversion analysis, see Stellar Bancorp, Inc. operating cash flow efficiency.
| 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 | — |