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
Stellar Bancorp, Inc. (STEL) - Total Assets
Latest total assets as of December 2025: $10.81 Billion USD
Based on the latest financial reports, Stellar Bancorp, Inc. (STEL) holds total assets worth $10.81 Billion USD as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Stellar Bancorp, Inc. - Total Assets Trend (2015–2025)
This chart illustrates how Stellar Bancorp, Inc.’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Stellar Bancorp, Inc. - Asset Composition Analysis
Current Asset Composition (December 2025)
Stellar Bancorp, Inc.'s total assets of $10.81 Billion consist of 1.2% current assets and 98.8% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 3.9% |
| Accounts Receivable | $35.87 Million | 0.3% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $71.02 Million | 0.7% |
| Goodwill | $497.32 Million | 4.6% |
Asset Composition Trend (2015–2025)
This chart illustrates how Stellar Bancorp, Inc.'s asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Stellar Bancorp, Inc.'s current assets represent 1.2% of total assets in 2025, a decrease from 15.1% in 2015.
- Cash Position: Cash and equivalents constituted 3.9% of total assets in 2025, down from 15.1% in 2015.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 4.0% of total assets, an increase from 2.0% in 2015.
- Asset Diversification: The largest asset category is goodwill at 4.6% of total assets.
Stellar Bancorp, Inc. Competitors by Total Assets
Key competitors of Stellar Bancorp, Inc. based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001
|
China | CN¥5.77 Trillion |
|
Bank of Ningbo Co Ltd
SHE:002142
|
China | CN¥3.58 Trillion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
China | CN¥743.55 Billion |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958
|
China | CN¥509.92 Billion |
|
Bank of Suzhou
SHE:002966
|
China | CN¥776.04 Billion |
|
Jeju Bank
KO:006220
|
Korea | ₩7.72 Trillion |
|
Industrial Bank Of Korea
KO:024110
|
Korea | ₩490.11 Trillion |
|
Hana Financial
KO:086790
|
Korea | ₩659.08 Trillion |
Stellar Bancorp, Inc. - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Stellar Bancorp, Inc. generates 0.06x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Stellar Bancorp, Inc. generates $ 0.95 in net profit.
Stellar Bancorp, Inc. - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 31.79 | 0.23 | 0.21 |
| Quick Ratio | 31.79 | 0.23 | 0.21 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $126.11 Million | $ -7.01 Billion | $ -2.66 Billion |
Stellar Bancorp, Inc. - Advanced Valuation Insights
This section examines the relationship between Stellar Bancorp, Inc.'s asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.09 |
| Latest Market Cap to Assets Ratio | 0.14 |
| Asset Growth Rate (YoY) | -0.9% |
| Total Assets | $10.81 Billion |
| Market Capitalization | $1.53 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Stellar Bancorp, Inc.'s assets below their book value (0.14 x), which may indicate investor concerns about asset quality or future growth.
Slight Asset Contraction: Stellar Bancorp, Inc.'s assets decreased by 0.9% over the past year, which may reflect streamlining or optimization of resources.
Annual Total Assets for Stellar Bancorp, Inc. (2015–2025)
The table below shows the annual total assets of Stellar Bancorp, Inc. from 2015 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $10.81 Billion | -0.91% |
| 2024-12-31 | $10.91 Billion | +2.43% |
| 2023-12-31 | $10.65 Billion | -2.32% |
| 2022-12-31 | $10.90 Billion | +53.42% |
| 2021-12-31 | $7.10 Billion | +79.91% |
| 2020-12-31 | $3.95 Billion | +13.53% |
| 2019-12-31 | $3.48 Billion | +6.08% |
| 2018-12-31 | $3.28 Billion | +6.43% |
| 2017-12-31 | $3.08 Billion | +4.39% |
| 2016-12-31 | $2.95 Billion | +2.39% |
| 2015-12-31 | $2.88 Billion | -- |