Stellar Bancorp, Inc. (STEL) - Net Assets
Based on the latest financial reports, Stellar Bancorp, Inc. (STEL) has net assets worth $1.67 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($10.81 Billion) and total liabilities ($9.14 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Stellar Bancorp, Inc. liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.67 Billion |
| % of Total Assets | 15.44% |
| Annual Growth Rate | 17.09% |
| 5-Year Change | 104.37% |
| 10-Year Change | 366.58% |
| Growth Volatility | 21.64 |
Stellar Bancorp, Inc. - Net Assets Trend (2015–2025)
This chart illustrates how Stellar Bancorp, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore Stellar Bancorp, Inc. (STEL) total assets for the complete picture of this company's asset base.
Annual Net Assets for Stellar Bancorp, Inc. (2015–2025)
The table below shows the annual net assets of Stellar Bancorp, Inc. from 2015 to 2025. For live valuation and market cap data, see STEL market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.67 Billion | +3.78% |
| 2024-12-31 | $1.61 Billion | +5.71% |
| 2023-12-31 | $1.52 Billion | +9.97% |
| 2022-12-31 | $1.38 Billion | +69.41% |
| 2021-12-31 | $816.47 Million | +49.41% |
| 2020-12-31 | $546.45 Million | +2.00% |
| 2019-12-31 | $535.72 Million | +9.86% |
| 2018-12-31 | $487.62 Million | +9.28% |
| 2017-12-31 | $446.21 Million | +24.77% |
| 2016-12-31 | $357.64 Million | +3.87% |
| 2015-12-31 | $344.31 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Stellar Bancorp, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 681.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $566.22 Million | 33.93% |
| Common Stock | $509.00K | 0.03% |
| Other Comprehensive Income | $-72.97 Million | -4.37% |
| Other Components | $1.17 Billion | 70.41% |
| Total Equity | $1.67 Billion | 100.00% |
Stellar Bancorp, Inc. Competitors by Market Cap
The table below lists competitors of Stellar Bancorp, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Yantai North Andre Juice Co Ltd
SHG:605198
|
$1.81 Billion |
|
Shandong Yisheng Livestock & Poultry Breeding Co Ltd
SHE:002458
|
$1.81 Billion |
|
Thaifoods Group Public Company Limited
BK:TFG
|
$1.82 Billion |
|
Sunstone Development Co Ltd
SHG:603612
|
$1.82 Billion |
|
Zhejiang Jingu Co Ltd
SHE:002488
|
$1.81 Billion |
|
CSC Financial Co. Ltd
F:CS0
|
$1.81 Billion |
|
Hunan TV & Broadcast Intermediary Co Ltd
SHE:000917
|
$1.81 Billion |
|
Hap Seng Consolidated Bhd
KLSE:3034
|
$1.81 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Stellar Bancorp, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,607,860,000 to 1,668,654,000, a change of 60,794,000 (3.8%).
- Net income of 102,872,000 contributed positively to equity growth.
- Dividend payments of 29,296,000 reduced retained earnings.
- Share repurchases of 73,352,000 reduced equity.
- Other comprehensive income increased equity by 52,399,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $102.87 Million | +6.16% |
| Dividends Paid | $29.30 Million | -1.76% |
| Share Repurchases | $73.35 Million | -4.4% |
| Other Comprehensive Income | $52.40 Million | +3.14% |
| Other Changes | $8.17 Million | +0.49% |
| Total Change | $- | 3.78% |
Book Value vs Market Value Analysis
This analysis compares Stellar Bancorp, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.43x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $15.42 | $37.50 | x |
| 2016-12-31 | $16.02 | $37.50 | x |
| 2017-12-31 | $19.77 | $37.50 | x |
| 2018-12-31 | $19.49 | $37.50 | x |
| 2019-12-31 | $21.38 | $37.50 | x |
| 2020-12-31 | $18.75 | $37.50 | x |
| 2021-12-31 | $28.28 | $37.50 | x |
| 2022-12-31 | $39.51 | $37.50 | x |
| 2023-12-31 | $28.53 | $37.50 | x |
| 2024-12-31 | $30.01 | $37.50 | x |
| 2025-12-31 | $32.21 | $37.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Stellar Bancorp, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 6.16%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.25%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 6.48x
- Recent ROE (6.16%) is below the historical average (7.62%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 7.01% | 20.54% | 0.04x | 8.37x | $-10.30 Million |
| 2016 | 7.61% | 22.00% | 0.04x | 8.25x | $-8.56 Million |
| 2017 | 6.18% | 21.34% | 0.04x | 6.90x | $-17.05 Million |
| 2018 | 9.70% | 31.79% | 0.05x | 6.72x | $-1.47 Million |
| 2019 | 9.43% | 29.62% | 0.05x | 6.49x | $-3.06 Million |
| 2020 | 8.33% | 18.22% | 0.06x | 7.23x | $-9.11 Million |
| 2021 | 9.99% | 31.16% | 0.04x | 8.70x | $-93.80K |
| 2022 | 3.72% | 14.98% | 0.03x | 7.88x | $-86.89 Million |
| 2023 | 8.58% | 21.21% | 0.06x | 7.00x | $-21.60 Million |
| 2024 | 7.15% | 18.39% | 0.06x | 6.78x | $-45.78 Million |
| 2025 | 6.16% | 17.25% | 0.06x | 6.48x | $-63.99 Million |
Industry Comparison
This section compares Stellar Bancorp, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Stellar Bancorp, Inc. (STEL) | $1.67 Billion | 7.01% | 5.48x | $1.81 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Stellar Bancorp, Inc.
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such … Read more