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Stellar Bancorp Inc. (STEL)
:STEL
US Market

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 24Dec 23Dec 22Dec 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
Currency in USD
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