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Stellar Bancorp (STEL)
NYSE:STEL
Total Valuation
Stellar Bancorp has a market cap or net worth of $1.50B. The enterprise value is $1.46B.
Market Cap$1.50B
Enterprise Value$1.46B
Share Statistics
Stellar Bancorp has 51,352,646 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding51,352,646
Owned by Insiders9.69%
Owned by Institutions0.48%
Financial Efficiency
Stellar Bancorp’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 6.52%.
Return on Equity (ROE)0.07
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)6.52%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee593.40K
Profits Per Employee109.11K
Employee Count1,054
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Stellar Bancorp is 13.8. Stellar Bancorp’s PEG ratio is ―.
PE Ratio13.8
PS Ratio―
PB Ratio―
Price to Fair Value0.94
Price to FCF―
Price to Operating Cash Flow18.51
PEG Ratio―
Income Statement
In the last 12 months, Stellar Bancorp had revenue of 625.45M and earned 115.00M in profits. Earnings per share was 2.15.
Revenue625.45M
Gross Profit433.92M
Operating Income144.96M
Pretax Income144.96M
Net Income115.00M
EBITDA176.99M
Earnings Per Share (EPS)2.15
Cash Flow
In the last 12 months, operating cash flow was 83.48M and capital expenditures -3.11M, giving a free cash flow of 80.37M billion.
Operating Cash Flow83.48M
Free Cash Flow80.37M
Free Cash Flow per Share1.57
Dividends & Yields
Stellar Bancorp pays an annual dividend of $0.14, resulting in a dividend yield of 1.84%
Dividend Per Share$0.14
Dividend Yield1.84%
Payout Ratio23.99%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.84
52-Week Price Change21.13%
50-Day Moving Average29.04
200-Day Moving Average28.08
Relative Strength Index (RSI)54.72
Average Volume (3m)285.69K
Important Dates
Stellar Bancorp upcoming earnings date is Oct 24, 2025, TBA (Confirmed).
Last Earnings DateJul 25, 2025
Next Earnings DateOct 24, 2025
Ex-Dividend DateJun 16, 2025
Financial Position
Stellar Bancorp as a current ratio of 0.23, with Debt / Equity ratio of 9.80%
Current Ratio0.23
Quick Ratio0.23
Debt to Market Cap0.05
Net Debt to EBITDA-4.75
Interest Coverage Ratio0.75
Taxes
In the past 12 months, Stellar Bancorp has paid 29.96M in taxes.
Income Tax29.96M
Effective Tax Rate0.21
Enterprise Valuation
Stellar Bancorp EV to EBITDA ratio is 3.82, with an EV/FCF ratio of 5.29.
EV to Sales1.08
EV to EBITDA3.82
EV to Free Cash Flow5.29
EV to Operating Cash Flow5.10
Balance Sheet
Stellar Bancorp has $1.87B in cash and marketable securities with $157.22M in debt, giving a net cash position of -$1.71B billion.
Cash & Marketable Securities$1.87B
Total Debt$157.22M
Net Cash-$1.71B
Net Cash Per Share-$33.27
Tangible Book Value Per Share$19.01
Margins
Gross margin is 69.74%, with operating margin of 23.18%, and net profit margin of 18.39%.
Gross Margin69.74%
Operating Margin23.18%
Pretax Margin23.18%
Net Profit Margin18.39%
EBITDA Margin28.30%
EBIT Margin23.18%
Analyst Forecast
The average price target for Stellar Bancorp is $31.67, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$31.67
Price Target Upside5.85% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast-2.85%
EPS Growth Forecast-0.33%