Stellar Bancorp, Inc. (STEL) — Working Capital to Net Assets Ratio
Stellar Bancorp, Inc. (STEL) has a Working Capital to Net Assets ratio of -414.8% as of March 2026. Working capital of $-6.92 Billion (current assets of $2.07 Billion minus current liabilities of $8.99 Billion) is measured against net assets of $1.67 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See defensive interval ratio of Stellar Bancorp, Inc. to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Stellar Bancorp, Inc. Working Capital to Net Assets (2015–2025)
This chart shows how Stellar Bancorp, Inc.'s Working Capital to Net Assets ratio has evolved across 11 annual periods from 2015 to 2025. As of March 2026, the ratio stands at -414.8%, reflecting working capital of $-6.92 Billion against net assets of $1.67 Billion USD. For the complete balance sheet picture, see Stellar Bancorp, Inc. total assets.
Annual Working Capital to Net Assets for Stellar Bancorp, Inc. (2015–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Stellar Bancorp, Inc. from 2015 to 2025, covering 11 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check Stellar Bancorp, Inc. asset resilience ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 7.6% | $126.11 Million | $1.67 Billion | $130.20 Million | $4.09 Million | ▲ +443.6 pp |
| 2024 | -436.0% | $-7.01 Billion | $1.61 Billion | $2.13 Billion | $9.15 Billion | ▲ +27.2 pp |
| 2023 | -463.2% | $-7.05 Billion | $1.52 Billion | $1.84 Billion | $8.88 Billion | ▲ +46.2 pp |
| 2022 | -509.4% | $-7.05 Billion | $1.38 Billion | $2.22 Billion | $9.27 Billion | ▼ -82.6 pp |
| 2021 | -426.8% | $-3.48 Billion | $816.47 Million | $2.56 Billion | $6.05 Billion | ▲ +42.2 pp |
| 2020 | -469.0% | $-2.56 Billion | $546.45 Million | $738.69 Million | $3.30 Billion | ▼ -15.9 pp |
| 2019 | -453.1% | $-2.43 Billion | $535.72 Million | $425.34 Million | $2.85 Billion | ▲ +24.5 pp |
| 2018 | -477.6% | $-2.33 Billion | $487.62 Million | $439.76 Million | $2.77 Billion | ▲ +32.8 pp |
| 2017 | -510.4% | $-2.28 Billion | $446.21 Million | $326.80 Million | $2.60 Billion | ▲ +93.6 pp |
| 2016 | -604.1% | $-2.16 Billion | $357.64 Million | $382.70 Million | $2.54 Billion | ▼ -8.6 pp |
| 2015 | -595.4% | $-2.05 Billion | $344.31 Million | $435.30 Million | $2.49 Billion | — |