Stellar Bancorp, Inc. (STEL) — Free Cash Flow Generation Index
Stellar Bancorp, Inc. (STEL) has a Free Cash Flow Generation Index of 0.98x as of March 2026. Free cash flow of $16.24 Million represents 1% of operating cash flow ($16.51 Million). Explore Stellar Bancorp, Inc. capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Stellar Bancorp, Inc. Free Cash Flow Generation Index (2015–2025)
Historical FCF Generation Index trend for Stellar Bancorp, Inc. across 11 annual periods. For the full cash flow conversion analysis, see STEL operating cash flow.
Annual Free Cash Flow Generation for Stellar Bancorp, Inc. (2015–2025)
Year-by-year Free Cash Flow Generation Index for Stellar Bancorp, Inc.. Check Stellar Bancorp, Inc. (STEL) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.95x | $92.61 Million | $97.00 Million | $4.40 Million | ▼ -1.1% |
| 2024 | 0.96x | $127.96 Million | $132.62 Million | $4.66 Million | ▲ +0.6% |
| 2023 | 0.96x | $161.36 Million | $168.22 Million | $6.86 Million | ▼ -0.6% |
| 2022 | 0.97x | $105.25 Million | $109.07 Million | $3.81 Million | ▼ -1.4% |
| 2021 | 0.98x | $34.05 Million | $34.81 Million | $756.00K | ▲ +47.4% |
| 2020 | 0.66x | $26.80 Million | $40.36 Million | $13.56 Million | ▼ -30.5% |
| 2019 | 0.96x | $53.60 Million | $56.09 Million | $2.49 Million | ▼ -1.9% |
| 2018 | 0.97x | $48.03 Million | $49.32 Million | $1.29 Million | ▼ -2.6% |
| 2017 | 1.00x | $35.59 Million | $35.59 Million | $992.00K | ▲ +0.0% |
| 2016 | 1.00x | $36.04 Million | $36.04 Million | $1.88 Million | ▲ +9.3% |
| 2015 | 0.92x | $30.04 Million | $32.83 Million | $2.79 Million | — |