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). See STEL working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
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. Explore how well can Stellar Bancorp, Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Stellar Bancorp, Inc. (2015–2025)
Year-by-year Free Cash Flow Generation Index for Stellar Bancorp, Inc.. For the full company profile including market capitalisation, see Stellar Bancorp, Inc. (STEL) total market value.
| 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 | — |