Stellar Bancorp, Inc. (NYSE:STEL) — Stock Price
Stellar Bancorp, Inc. (NYSE:STEL) is currently trading at $39.32 USD, up 0.03% today. Over the past 52 weeks, shares have ranged between $28.68 and $39.71. This page tracks Stellar Bancorp, Inc.'s live share price on the NYSE exchange, its daily price and volume history, and — where reported — its income statement, balance sheet, cash flow statement, and earnings history. For company valuation and market capitalisation context, see STEL market cap overview.
Stellar Bancorp, Inc. (STEL) Stock Price Chart — Daily History & Trading Volume
The chart below tracks Stellar Bancorp, Inc.'s daily closing share price and trading volume on the NYSE exchange over the past year, giving a clear view of recent price momentum and liquidity.
Stellar Bancorp, Inc. Income Statement — Revenue, Profit & Earnings by Year
Stellar Bancorp, Inc.'s annual income statement shows how revenue converts into profit each fiscal year, including gross profit, operating income, EBITDA, and net income.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Revenue | $596.26 Million | $625.45 Million | $615.38 Million | $343.35 Million | $261.75 Million |
| Cost of Revenue | $183.01 Million | $191.53 Million | $163.00 Million | $84.75 Million | $22.30 Million |
| Gross Profit | $413.25 Million | $433.92 Million | $452.38 Million | $258.60 Million | $239.45 Million |
| Research & Development | — | — | — | — | — |
| SG&A | $186.43 Million | $172.93 Million | $168.07 Million | $112.47 Million | $93.58 Million |
| Total Operating Expenses | $285.47 Million | $288.96 Million | $290.49 Million | $196.08 Million | $139.55 Million |
| Operating Income | $127.78 Million | $144.96 Million | $161.88 Million | $62.52 Million | $99.89 Million |
| EBITDA | $127.78 Million | $176.99 Million | $196.35 Million | $76.78 Million | $107.44 Million |
| EBIT | — | $144.96 Million | $161.88 Million | $62.52 Million | $99.89 Million |
| Interest Expense | $172.85 Million | $194.41 Million | $154.06 Million | $34.04 Million | $24.62 Million |
| Income Before Tax | $127.78 Million | $144.96 Million | $161.88 Million | $62.52 Million | $99.89 Million |
| Income Tax Expense | $24.91 Million | $29.96 Million | $31.39 Million | $11.09 Million | $18.34 Million |
| Net Income | $102.87 Million | $115.00 Million | $130.50 Million | $51.43 Million | $81.55 Million |
Stellar Bancorp, Inc. Balance Sheet — Assets, Liabilities & Shareholder Equity
The balance sheet below summarizes Stellar Bancorp, Inc.'s financial position at each fiscal year-end — what it owns (assets), what it owes (liabilities), and the resulting shareholder equity.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Assets | $10.81 Billion | $10.91 Billion | $10.65 Billion | $10.90 Billion | $7.10 Billion |
| Total Current Assets | $130.20 Million | $2.13 Billion | $1.84 Billion | $2.22 Billion | $2.56 Billion |
| Cash & Equivalents | — | — | — | — | — |
| Short-term Investments | $1.81 Billion | $1.19 Billion | $1.40 Billion | $1.81 Billion | $1.77 Billion |
| Net Receivables | $35.87 Million | $37.88 Million | $44.24 Million | $44.74 Million | $33.39 Million |
| Inventory | — | — | $-443.48 Million | $-416.45 Million | $-824.29 Million |
| Property, Plant & Equipment | — | — | — | $126.80 Million | $63.71 Million |
| Goodwill | $497.32 Million | $497.32 Million | $497.32 Million | $497.26 Million | $223.64 Million |
| Total Liabilities | $9.14 Billion | $9.30 Billion | $9.13 Billion | $9.52 Billion | $6.29 Billion |
| Total Current Liabilities | $4.09 Million | $9.15 Billion | $8.88 Billion | $9.27 Billion | $6.05 Billion |
| Long-term Debt | $40.23 Million | $70.11 Million | $159.76 Million | $109.37 Million | $50.00 Million |
| Net Debt | $-379.23 Million | $-841.11 Million | $-239.47 Million | $-198.41 Million | $-544.56 Million |
| Total Stockholder Equity | $1.67 Billion | $1.61 Billion | $1.52 Billion | $1.38 Billion | $816.47 Million |
| Retained Earnings | $566.22 Million | $492.64 Million | $405.94 Million | $303.15 Million | $267.09 Million |
Stellar Bancorp, Inc. Cash Flow Statement — Operating, Investing & Financing Activities
This cash flow statement breaks down how Stellar Bancorp, Inc. generates and spends cash across operating, investing, and financing activities each fiscal year, including free cash flow and capital expenditures.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | $97.00 Million | $132.62 Million | $168.22 Million | $109.07 Million | $34.81 Million |
| Capital Expenditures | $4.40 Million | $4.66 Million | $6.86 Million | $3.81 Million | $756.00K |
| Free Cash Flow | $92.61 Million | $127.96 Million | $161.36 Million | $105.25 Million | $34.05 Million |
| Investing Cash Flow | $-348.22 Million | $246.09 Million | $295.25 Million | $73.76 Million | $-754.82 Million |
| Financing Cash Flow | $-240.55 Million | $133.27 Million | $-435.94 Million | $-568.63 Million | $511.29 Million |
| Dividends Paid | $29.30 Million | $28.31 Million | $27.70 Million | $15.38 Million | $12.06 Million |
| Stock-Based Compensation | $9.15 Million | $10.76 Million | $9.95 Million | $9.04 Million | $2.82 Million |
| Depreciation | $29.64 Million | $32.03 Million | $34.47 Million | $14.25 Million | $5.68 Million |
| Change in Cash | $-491.76 Million | $511.98 Million | $27.53 Million | $-385.80 Million | $412.14 Million |
Stellar Bancorp, Inc. Earnings History — EPS Actual vs. Analyst Estimates
Track Stellar Bancorp, Inc.'s quarterly earnings per share (EPS) against Wall Street estimates, along with the earnings surprise percentage for each reporting period.
| Report Date | EPS Actual | EPS Estimate | Surprise |
|---|---|---|---|
| Jul 31, 2026 | — | 0.51 | — |
| Apr 28, 2026 | 0.53 | 0.50 | +6.00% |
| Jan 28, 2026 | 0.51 | 0.51 | +0.00% |
| Oct 24, 2025 | 0.50 | 0.49 | +2.04% |
| Jul 25, 2025 | 0.51 | 0.45 | +13.33% |
| Apr 25, 2025 | 0.46 | 0.44 | +4.55% |
| Jan 30, 2025 | 0.52 | 0.49 | +6.12% |
| Oct 25, 2024 | 0.63 | 0.49 | +28.57% |