The earnings call highlighted strong loan origination growth, increased net income, and effective expense management. However, there were challenges with a slight decrease in net interest income and higher funding costs impacting margins. Share repurchases and an increase in tangible book value contributed positively to the overall outlook.

Company Guidance

During the Stellar Bank Q2 2025 earnings call, management provided several key metrics and guidance reflecting the company's financial health and strategic direction. The bank reported a net income of $26.4 million or $0.51 per diluted share, up from the previous quarter's $24.7 million or $0.46 per share. The annualized return on average assets (ROAA) was 1.01%, and the annualized return on average tangible common equity (ROATCE) was 12.16%. The net interest income for the quarter was $98.3 million, with a net interest margin of 4.18%, slightly down from 4.2% in the previous quarter. The provision for credit losses was $1.1 million, and the allowance for credit losses on loans ended the quarter at $83.2 million or 1.14% of loans. Non-interest income rose to $5.8 million, partly due to earnings from a Federal Reserve Bank dividend. Operating expenses remained flat at approximately $70 million, highlighting the company's focus on expense management. Total risk-based capital was 15.98%, and tangible book value per share increased by 10.8% year-over-year. The bank also repurchased 791,000 shares at an average price of $26.08 per share. Looking forward, Stellar Bank aims to drive loan growth through its strong pipeline, particularly in the Texas marketplace, while continuing to manage deposit costs and expand its core funding base.

Strong Loan Origination Growth

New loan originations nearly doubled in the second quarter compared to the first, marking the highest level since 2022, indicating a return to organic growth supported by the resilient Texas marketplace.

Increase in Net Income

Second quarter 2025 net income was $26.4 million or $0.51 per diluted share, up from $24.7 million or $0.46 per share in the first quarter.

Non-Interest Expense Management

Non-interest expenses were essentially flat at approximately $70 million, better than planned and reflective of the company's focus on holding the line on expenses.

Tangible Book Value Increase

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

Strategic Share Repurchases

The company bought back 791,000 shares 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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