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STOCKS

Stellar Bancorp (STEL)

NYSE:STEL

STEL

Stellar Bancorp

RESEARCH TOOLSreports

Stellar Bancorp (STEL) Ratios

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139 Followers

Stellar Bancorp Ratios

STEL's free cash flow for Q3 2025 was $0.70. For the 2025 fiscal year, STEL's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	22.64	0.23	0.21	1.06K	746.53
Quick Ratio	22.64	0.23	0.21	1.26K	1.22K
Cash Ratio	8.34	0.10	0.04	177.17	542.01
Solvency Ratio	0.01	0.02	0.02	<0.01	0.67
Operating Cash Flow Ratio	1.00	0.01	0.02	51.99	19.86
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -7.00B	$ -7.16B	$ -7.29B	$ -7.29B	$ 1.24B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	0.02	0.02	0.01
Debt-to-Equity Ratio	0.04	0.04	0.11	0.13	0.11
Debt-to-Capital Ratio	0.04	0.04	0.10	0.11	0.10
Long-Term Debt-to-Capital Ratio	0.04	0.04	0.10	0.11	0.10
Financial Leverage Ratio	6.43	6.78	7.00	7.88	7.98
Debt Service Coverage Ratio	0.74	0.76	1.07	-0.33	-1.67
Interest Coverage Ratio	0.71	0.75	1.05	2.84	7.68
Debt to Market Cap	0.04	0.05	0.11	0.17	0.08
Interest Debt Per Share	4.86	4.94	5.90	5.97	2.44
Net Debt to EBITDA	-4.16	-4.75	-1.22	0.00	0.00
Profitability Margins
Gross Profit Margin	69.22%	69.38%	73.51%	100.00%	100.00%
EBIT Margin	21.26%	23.18%	26.31%	-4.61%	-5.37%
EBITDA Margin	26.29%	28.30%	31.91%	0.00%	0.00%
Operating Profit Margin	21.26%	23.18%	26.31%	31.22%	32.36%
Pretax Profit Margin	21.26%	23.18%	26.31%	20.21%	32.36%
Net Profit Margin	16.94%	18.39%	21.21%	16.63%	25.31%
Continuous Operations Profit Margin	16.94%	18.39%	21.21%	16.63%	57.99%
Net Income Per EBT	79.66%	79.33%	80.61%	82.26%	78.21%
EBT Per EBIT	100.00%	100.00%	100.00%	64.75%	100.00%
Return on Assets (ROA)	0.96%	1.05%	1.23%	0.47%	0.79%
Return on Equity (ROE)	6.30%	7.15%	8.58%	3.72%	6.33%
Return on Capital Employed (ROCE)	1.21%	8.23%	9.19%	0.89%	1.02%
Return on Invested Capital (ROIC)	3.97%	6.53%	7.40%	1.66%	1.89%
Return on Tangible Assets	1.01%	1.11%	1.30%	0.50%	0.81%
Earnings Yield	5.46%	7.58%	8.81%	5.03%	4.28%
Efficiency Ratios
Receivables Turnover	17.26	16.51	13.91	6.91	4.21
Payables Turnover	19.64	11.23	14.44	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.58	5.59	5.19	2.44	2.02
Asset Turnover	0.06	0.06	0.06	0.03	0.03
Working Capital Turnover Ratio	-0.24	-0.09	-0.09	0.18	-0.22
Cash Conversion Cycle	2.57	-10.39	0.97	52.80	86.66
Days of Sales Outstanding	21.15	22.11	26.24	52.80	86.66
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	18.58	32.50	25.28	0.00	0.00
Operating Cycle	21.15	22.11	26.24	52.80	86.66
Cash Flow Ratios
Operating Cash Flow Per Share	1.71	2.48	3.16	3.14	1.21
Free Cash Flow Per Share	1.67	2.39	3.03	3.03	1.19
CapEx Per Share	0.04	0.09	0.13	0.11	0.03
Free Cash Flow to Operating Cash Flow	0.98	0.96	0.96	0.97	0.98
Dividend Paid and CapEx Coverage Ratio	2.97	4.02	4.87	5.68	3.33
Capital Expenditure Coverage Ratio	42.87	28.44	24.52	28.62	46.05
Operating Cash Flow Coverage Ratio	1.25	1.89	1.05	0.63	0.54
Operating Cash Flow to Sales Ratio	0.15	0.21	0.27	0.35	0.25
Free Cash Flow Yield	4.59%	8.43%	10.89%	10.29%	4.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	16.42	13.20	11.36	19.90	23.35
Price-to-Sales (P/S) Ratio	2.78	2.43	2.41	3.31	5.91
Price-to-Book (P/B) Ratio	1.01	0.94	0.97	0.74	1.48
Price-to-Free Cash Flow (P/FCF) Ratio	19.53	11.86	9.18	9.72	24.41
Price-to-Operating Cash Flow Ratio	19.11	11.45	8.81	9.38	23.88
Price-to-Earnings Growth (PEG) Ratio	-2.68	-1.08	0.17	1.03	0.64
Price-to-Fair Value	1.01	0.94	0.97	0.74	1.48
Enterprise Value Multiple	6.40	3.82	6.33	0.00	0.00
Enterprise Value	1.21B	676.78M	1.24B	824.97M	-54.86M
EV to EBITDA	7.62	3.82	6.33	0.00	0.00
EV to Sales	2.00	1.08	2.02	2.67	-0.39
EV to Free Cash Flow	14.10	5.29	7.70	7.84	-1.61
EV to Operating Cash Flow	13.77	5.10	7.39	7.56	-1.58
Tangible Book Value Per Share	21.06	19.01	17.04	21.37	151.33
Shareholders’ Equity Per Share	32.24	30.03	28.57	39.82	19.61
Tax and Other Ratios
Effective Tax Rate	0.20	0.21	0.19	0.18	0.22
Revenue Per Share	11.73	11.68	11.56	8.90	4.91
Net Income Per Share	1.99	2.15	2.45	1.48	1.24
Tax Burden	0.80	0.79	0.81	0.82	0.78
Interest Burden	1.00	1.00	1.00	-4.39	-6.03
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.28	0.27	0.36	0.56
Stock-Based Compensation to Revenue	0.02	0.02	0.02	0.03	0.03
Income Quality	0.86	1.15	1.29	2.12	0.98

Currency in USD