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STOCKS

Stellar Bancorp Inc. (STEL)

:STEL

STEL

Stellar Bancorp

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Stellar Bancorp (STEL) Ratios

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Stellar Bancorp Ratios

STEL's free cash flow for Q1 2025 was $0.68. 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	0.20	0.21	1.06K	746.53	0.17
Quick Ratio	0.20	0.21	1.26K	1.22K	0.17
Cash Ratio	0.07	0.04	177.17	542.01	0.17
Solvency Ratio	0.02	0.02	<0.01	0.67	0.48
Operating Cash Flow Ratio	0.01	0.02	51.99	19.86	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	22.21
Net Current Asset Value	$ -7.07B	$ -7.29B	$ -7.29B	$ 1.24B	$ 471.56M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.01	0.02
Debt-to-Equity Ratio	0.12	0.11	0.13	0.11	0.12
Debt-to-Capital Ratio	0.11	0.10	0.11	0.10	0.11
Long-Term Debt-to-Capital Ratio	0.11	0.10	0.11	0.10	0.08
Financial Leverage Ratio	6.48	7.00	7.88	7.98	7.23
Debt Service Coverage Ratio	0.76	1.07	-0.33	-1.67	2.68
Interest Coverage Ratio	0.75	1.05	2.84	7.68	3.21
Debt to Market Cap	0.14	0.11	0.17	0.08	0.07
Interest Debt Per Share	7.17	5.90	5.97	2.44	2.64
Net Debt to EBITDA	-2.12	-1.22	0.00	0.00	-12.41
Profitability Margins
Gross Profit Margin	69.64%	73.51%	100.00%	100.00%	100.00%
EBIT Margin	23.12%	26.31%	-4.61%	-5.37%	22.82%
EBITDA Margin	28.20%	31.91%	0.00%	0.00%	26.77%
Operating Profit Margin	23.12%	26.31%	31.22%	32.36%	22.82%
Pretax Profit Margin	23.12%	26.31%	20.21%	32.36%	22.82%
Net Profit Margin	18.36%	21.21%	16.63%	25.31%	18.57%
Continuous Operations Profit Margin	18.36%	21.21%	16.63%	57.99%	18.57%
Net Income Per EBT	79.40%	80.61%	82.26%	78.21%	81.37%
EBT Per EBIT	100.00%	100.00%	64.75%	100.00%	100.00%
Return on Assets (ROA)	1.09%	1.23%	0.47%	0.79%	0.67%
Return on Equity (ROE)	7.09%	8.58%	3.72%	6.33%	4.82%
Return on Capital Employed (ROCE)	7.68%	9.19%	0.89%	1.02%	3.83%
Return on Invested Capital (ROIC)	6.10%	7.40%	1.66%	1.89%	-1.22%
Return on Tangible Assets	1.15%	1.30%	0.50%	0.81%	0.68%
Earnings Yield	7.95%	8.81%	5.03%	4.28%	3.57%
Efficiency Ratios
Receivables Turnover	16.42	13.91	6.91	4.21	0.00
Payables Turnover	19.06	14.44	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.64	5.19	2.44	2.02	1.91
Asset Turnover	0.06	0.06	0.03	0.03	0.04
Working Capital Turnover Ratio	-0.09	-0.09	0.18	-0.22	-0.06
Cash Conversion Cycle	3.07	0.97	52.80	86.66	0.00
Days of Sales Outstanding	22.23	26.24	52.80	86.66	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	19.15	25.28	0.00	0.00	0.00
Operating Cycle	22.23	26.24	52.80	86.66	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.80	3.16	3.14	1.21	1.39
Free Cash Flow Per Share	1.71	3.03	3.03	1.19	0.93
CapEx Per Share	0.09	0.13	0.11	0.03	0.47
Free Cash Flow to Operating Cash Flow	0.95	0.96	0.97	0.98	0.66
Dividend Paid and CapEx Coverage Ratio	2.86	4.87	5.68	3.33	1.72
Capital Expenditure Coverage Ratio	19.68	24.52	28.62	46.05	2.98
Operating Cash Flow Coverage Ratio	0.50	1.05	0.63	0.54	0.61
Operating Cash Flow to Sales Ratio	0.15	0.27	0.35	0.25	0.28
Free Cash Flow Yield	6.57%	10.89%	10.29%	4.10%	3.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.58	11.36	19.90	23.35	28.02
Price-to-Sales (P/S) Ratio	2.24	2.41	3.31	5.91	5.20
Price-to-Book (P/B) Ratio	0.89	0.97	0.74	1.48	1.35
Price-to-Free Cash Flow (P/FCF) Ratio	15.21	9.18	9.72	24.41	27.57
Price-to-Operating Cash Flow Ratio	14.91	8.81	9.38	23.88	18.30
Price-to-Earnings Growth (PEG) Ratio	-9.23	0.17	1.03	0.64	-0.51
Price-to-Fair Value	0.89	0.97	0.74	1.48	1.35
Enterprise Value Multiple	5.81	6.33	0.00	0.00	7.03
Enterprise Value	1.01B	1.24B	824.97M	-54.86M	267.13M
EV to EBITDA	5.81	6.33	0.00	0.00	7.03
EV to Sales	1.64	2.02	2.67	-0.39	1.88
EV to Free Cash Flow	11.14	7.70	7.84	-1.61	9.97
EV to Operating Cash Flow	10.57	7.39	7.56	-1.58	6.62
Tangible Book Value Per Share	19.31	17.04	21.37	151.33	131.15
Shareholders’ Equity Per Share	30.31	28.57	39.82	19.61	18.87
Tax and Other Ratios
Effective Tax Rate	0.21	0.19	0.18	0.22	0.19
Revenue Per Share	11.64	11.56	8.90	4.91	4.90
Net Income Per Share	2.14	2.45	1.48	1.24	0.91
Tax Burden	0.79	0.81	0.82	0.78	0.81
Interest Burden	1.00	1.00	-4.39	-6.03	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.27	0.36	0.56	0.45
Stock-Based Compensation to Revenue	0.02	0.02	0.03	0.03	0.02
Income Quality	0.84	1.29	2.12	0.98	1.53

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