Stellar Bancorp, Inc. (STEL) — Tangible Net Worth Ratio
Stellar Bancorp, Inc. (STEL) has a Tangible Net Worth Ratio of 96.0% as of March 2026. This metric is calculated by deducting intangible assets ($66.14 Million) from net assets ($1.67 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Also explore STEL net asset momentum to track the company's year-over-year net asset growth rate.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Stellar Bancorp, Inc. Tangible Net Worth Ratio (2015–2025)
This chart shows how Stellar Bancorp, Inc.'s Tangible Net Worth Ratio has changed across 11 annual periods from 2015 to 2025. As of March 2026, the ratio stands at 96.0%, reflecting net assets of $1.67 Billion with intangible assets of $66.14 Million USD. For live market cap and overall valuation, see Stellar Bancorp, Inc. (STEL) total market value.
Annual Tangible Net Worth Ratio for Stellar Bancorp, Inc. (2015–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Stellar Bancorp, Inc. from 2015 to 2025, covering 11 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. Explore capital reinvestment ratio of Stellar Bancorp, Inc. to see what proportion of operating cash flow is directed to capital expenditures.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 95.7% | $1.67 Billion | $71.02 Million | $10.81 Billion | ▲ +1.5 pp |
| 2024 | 94.2% | $1.61 Billion | $92.55 Million | $10.91 Billion | ▲ +1.9 pp |
| 2023 | 92.3% | $1.52 Billion | $116.71 Million | $10.65 Billion | ▲ +2.7 pp |
| 2022 | 89.6% | $1.38 Billion | $143.53 Million | $10.90 Billion | ▼ -8.6 pp |
| 2021 | 98.2% | $816.47 Million | $14.66 Million | $7.10 Billion | ▼ -1.0 pp |
| 2020 | 99.2% | $546.45 Million | $4.17 Million | $3.95 Billion | ▲ +0.2 pp |
| 2019 | 99.1% | $535.72 Million | $4.94 Million | $3.48 Billion | ▲ +0.3 pp |
| 2018 | 98.8% | $487.62 Million | $5.78 Million | $3.28 Billion | ▲ +0.3 pp |
| 2017 | 98.5% | $446.21 Million | $6.77 Million | $3.08 Billion | ▲ +0.7 pp |
| 2016 | 97.8% | $357.64 Million | $7.79 Million | $2.95 Billion | ▲ +0.4 pp |
| 2015 | 97.4% | $344.31 Million | $8.88 Million | $2.88 Billion | — |