The call reflects a generally positive sentiment with significant achievements in loan originations, increased net income, and strong capital metrics outweighing the challenges of slightly decreased net interest income and higher funding costs.

Company Guidance -

Q3 2025

During the Stellar Bank Q2 2025 earnings call, guidance was provided indicating continued optimism for the bank's growth trajectory. The CEO, Bob Franklin, highlighted that new loan originations nearly doubled in Q2 compared to Q1, marking a return to organic growth and supported by a resilient Texas marketplace. The bank reported a net income of $26.4 million, or $0.51 per diluted share, up from $24.7 million, or $0.46 per share, in Q1. Despite a slight decrease in net interest income to $98.3 million from $99.3 million in Q1, the net interest margin held strong at 4.18%. The CFO, Paul Egge, emphasized effective expense management, keeping non-interest expenses flat at approximately $70 million, and maintaining solid capital positions with a total risk-based capital ratio of 15.98%. The guidance also included an expectation for continued strategic growth and potential opportunities from market disruptions, with a focus on defending and possibly improving the bank's robust margin profile.

Improved Loan Originations

Loan originations nearly doubled in Q2 compared to Q1, reaching the highest level since 2022, marking the return to organic growth.

Increased Net Income

Net income for Q2 2025 was $26.4 million or $0.51 per diluted share, up from $24.7 million or $0.46 per share in Q1.

Strong Capital Position

Total risk-based capital was 15.98% at the end of Q2, reflecting a stable and strong capital position.

Tangible Book Value Growth

Year-over-year, tangible book value increased 10.8% from $18 per share to $19.94 per share.

Share Repurchase Activity

791,000 shares were repurchased at a weighted average price of $26.08 per share during the quarter.

Stellar Bancorp (STEL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

STEL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 24, 2025	2025 (Q3)	0.49 / -	0.63	―	―	―
Jul 25, 2025	2025 (Q2)	0.45 / 0.60	0.56	6.43% (+0.04)
Apr 25, 2025	2025 (Q1)	0.44 / 0.55	0.49	11.63% (+0.06)
Jan 30, 2025	2024 (Q4)	0.49 / 0.52	0.568	-8.45% (-0.05)
Oct 25, 2024	2024 (Q3)	0.49 / 0.63	0.58	8.62% (+0.05)
Jul 26, 2024	2024 (Q2)	0.48 / 0.56	0.66	-15.15% (-0.10)
Apr 26, 2024	2024 (Q1)	0.48 / 0.49	0.792	-38.13% (-0.30)
Jan 26, 2024	2023 (Q4)	0.55 / 0.57	0.639	-11.11% (-0.07)
Oct 27, 2023	2023 (Q3)	0.57 / 0.58	0.71	-18.31% (-0.13)
Jul 28, 2023	2023 (Q2)	0.68 / 0.66	0.48	37.50% (+0.18)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

STEL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$31.53	$31.39	-0.44%
Apr 25, 2025	$26.86	$25.74	-4.17%
Jan 30, 2025	$28.39	$28.11	-0.99%
Oct 25, 2024	$25.85	$25.97	+0.46%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Stellar Bancorp (STEL) report earnings?

Stellar Bancorp (STEL) is schdueled to report earning on Oct 24, 2025, TBA (Confirmed).

What is Stellar Bancorp (STEL) earnings time?

Stellar Bancorp (STEL) earnings time is at Oct 24, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is STEL EPS forecast?

STEL EPS forecast for the fiscal quarter 2025 (Q3) is 0.49.

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