Stellar Bancorp, Inc.

STEL

Stellar Bancorp, Inc.

STEL

Insider Sentiment (TTM):

Last Purchase:2023-05-04Last Sale:2024-11-22Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:32,158,316Shares Outstanding:50,829,000Institutional Ownership Pct.:63.27%

Earnings Market Reaction:

Filing Date:2026-04-28Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Cash And Due From Banks	108	94	99	136	131	420	104	110	75	121	95	106
Interest Bearing Deposits In Banks	442	325	629	442	430	491	412	380	325	278	207	198
Cash And Cash Equivalents At Carrying Value	550	419	728	578	561	911	516	490	400	399	302	304
Debt Securities Available For Sale Excluding Accru…	1,865	2,198	1,842	1,730	1,719	1,673	1,692	1,631	1,523	1,396	1,415	1,478
Financing Receivable Excluding Accrued Interest Be…	7,588	7,301	7,168	7,287	7,283	7,440	7,551	7,714	7,908	7,925	8,005	8,069
Financing Receivable Allowance For Credit Loss Exc…	-85	-84	-79	-83	-84	-81	-85	-95	-96	-92	-94	-100
Assets
Assets	10,889	10,807	10,628	10,493	10,435	10,906	10,630	10,724	10,729	10,647	10,665	10,778
Financing Receivable Excluding Accrued Interest Af…	7,503	7,217	7,089	7,204	7,199	7,359	7,467	7,619	7,812	7,833	7,911	7,969
Interest Receivable	37	36	35	36	38	38	39	43	45	44	44	42
Property Plant And Equipment Net	100	106	108	109	110	112	114	114	116	119	119	119
Federal Home Loan Bank Stock	-	-	-	-	21	8	20	15	16	25	29	24
Federal Home Loan Bank Stock And Federal Reserve B…	51	46	45	47	-	8	-	-	-	-	-	-
Bank Owned Life Insurance	110	109	109	109	108	107	107	106	106	105	105	104
Goodwill	497	497	497	497	497	497	497	497	497	497	497	497
Finite Lived Intangible Assets Net	66	71	76	81	87	93	98	104	111	117	123	130
Other Assets	111	106	98	102	95	107	80	103	104	112	120	111
Liabilities And Stockhold…
Liabilities
Noninterest Bearing Deposit Liabilities	3,211	3,408	3,211	3,184	3,206	3,576	3,303	3,308	3,323	3,547	3,656	3,714
Deposits
Deposits	8,982	9,021	8,817	8,674	8,563	9,128	8,743	8,725	8,795	8,873	8,687	8,766
Interest Bearing Deposit …
Interest Bearing Deposit Liabilities	5,771	5,614	5,607	5,490	5,357	5,552	5,440	5,417	5,472	5,327	5,030	5,053
Demand Deposit Accounts	2,172	2,115	1,961	1,941	1,864	1,846	1,572	1,564	1,576	1,660	1,397	1,438
Deposits Savings Deposits	2,597	2,470	2,489	2,394	2,249	2,253	2,281	2,213	2,204	2,137	2,129	2,174
Time Deposits	1,002	1,029	1,156	1,155	1,245	1,453	1,587	1,639	1,692	1,530	1,504	1,441
Interest Payable Current And Noncurrent	5	6	9	8	10	17	17	12	12	11	8	5
Subordinated Debt	40	40	70	70	70	70	110	110	110	110	110	110
Other Liabilities	59	71	78	68	61	82	74	70	67	82	77	69
Liabilities	9,222	9,138	8,975	8,889	8,824	9,298	9,004	9,158	9,199	9,126	9,205	9,320
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	1,171	1,175	1,183	1,185	1,203	1,240	1,239	1,238	1,235	1,233	1,232	1,229
Stockholders Equity
Stockholders Equity	1,668	1,669	1,653	1,604	1,611	1,608	1,626	1,566	1,531	1,521	1,461	1,459
Retained Earnings Accumulated Deficit	585	566	548	529	510	493	475	448	425	406	386	362
Accumulated Other Comprehensive Income Loss Net Of…	-89	-73	-78	-111	-102	-125	-88	-121	-130	-118	-157	-132
Liabilities And Stockholders Equity	10,889	10,807	10,628	10,493	10,435	10,906	10,630	10,724	10,729	10,647	10,665	10,778
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	140	140	140	140	140	140	140	140	140	140	140	140
Common Stock Shares Issued	51	51	51	51	52	53	53	54	54	53	53	53
Shares Outstanding	51	51	51	51	52	53	53	54	54	53	53	53

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.32%	2.63%	-	-	-	-	-	-	-	-	-	-
2025	6.30%	3.94%	17.43%	-6.53%	-0.19%	-4.16%	1.51%	8.76%	6.56%	-7.17%	-0.96%	-5.03%
2024	3.60%	-3.92%	8.78%	-9.77%	-3.67%	-6.30%	13.51%	16.61%	0.84%	-4.53%	-10.18%	-7.16%
2023	9.76%	5.97%	13.68%	-10.66%	-13.85%	-14.21%	0.38%	20.01%	12.09%	-0.54%	-1.77%	-1.14%
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Performance and Valuation Metrics

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Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.68	-0.68	-0.68	-0.66	-0.31	0.12	0.77	1.76	1.84	2.05	2.16	2.41
Per Share Metrics
Diluted EPS TTM	2.06	1.99	1.98	2.14	2.13	2.15	2.14	2.13	2.24	2.45	2.24	1.90
Free Cash Flow Per Share TTM	2.27	1.79	1.62	1.52	1.71	2.39	2.85	2.49	2.70	3.03	3.06	3.01
Dividend Per Share TTM	0.59	0.57	0.57	0.56	0.54	0.53	0.51	0.52	0.52	0.52	0.52	0.44
Margin Metrics
Gross Profit Margin TTM	-2,567.80%	-2,651.51%	-2,754.46%	-2,819.26%	-2,879.50%	-2,923.45%	-3,938.57%	-3,832.54%	-3,686.47%	-3,483.82%	-2,387.84%	-2,369.06%
Operating Profit Margin TTM	2,055.85%	2,034.10%	2,037.60%	2,188.43%	2,229.10%	2,254.43%	2,311.43%	2,233.51%	2,340.08%	2,669.59%	2,602.48%	3,106.63%
Net Profit Margin TTM	1,660.13%	1,637.57%	1,623.18%	1,740.51%	1,769.92%	1,788.54%	1,840.52%	1,786.31%	1,892.86%	2,152.00%	2,396.59%	2,885.47%
Growth Metrics
Net Revenue Growth (1Y)	-1.29%	-2.30%	-1.26%	-0.89%	1.63%	6.04%	27.43%	81.63%	205.42%	627.10%	81.56%	18.62%
Net Income Growth (1Y)	-7.42%	-10.55%	-12.92%	-3.43%	-4.97%	-11.87%	-2.14%	12.44%	53.23%	153.73%	246.67%	180.43%
EPS Growth (1Y)	-3.20%	-7.59%	-7.39%	0.39%	-4.62%	-12.27%	-4.34%	11.86%	52.30%	65.59%	83.93%	51.92%
Calculated Values
Free Cash Flow TTM	115.30M	92.61M	83.19M	78.39M	90.97M	127.96M	155.44M	133.51M	144.11M	161.36M	163.07M	160.30M
Net Debt	-549.57M	-419.45M	-728.45M	-578.10M	-560.58M	-911.22M	-516.22M	-490.25M	-399.74M	-399.24M	-302.27M	-304.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-11-22Sale

Owner: Long, Justin M

Title: SEVP, GC & Secretary

Shares: 4,200

Price/Share: $30.01

Value: $126,042.00

Shares Owned: 46,662

Relationship: Officer

Ownership: Direct

2024-11-11Sale

Owner: Wilson, William E Jr

Title: -

Shares: 24,000

Price/Share: $30.28

Value: $726,720.00

Shares Owned: 71,694

Relationship: Director

Ownership: Direct

2024-11-06Sale

Owner: Vitulli,, Iii Ramon A.

Title: President

Shares: 9,000

Price/Share: $30.01

Value: $270,090.00

Shares Owned: 106,425

Relationship: Officer

Ownership: Direct

2024-11-06Sale

Owner: Wilson, William E Jr

Title: -

Shares: 440

Price/Share: $30.71

Value: $13,512.40

Shares Owned: -

Relationship: Director

Ownership: Indirect

2024-10-30Sale

Owner: Egge, Paul P

Title: Senior Executive VP, CFO

Shares: 6,404

Price/Share: $28.00

Value: $179,312.00

Shares Owned: 60,155

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-11-22	Long, Justin M	Officer	SEVP, GC & Secretary	Direct	Sale	4,200	30.01	$126,042.00	46,662	4
2024-11-11	Wilson, William E Jr	Director	-	Direct	Sale	24,000	30.28	$726,720.00	71,694	4
2024-11-06	Vitulli,, Iii Ramon A.	Officer	President	Direct	Sale	9,000	30.01	$270,090.00	106,425	4
2024-11-06	Wilson, William E Jr	Director	-	Indirect	Sale	440	30.71	$13,512.40	0	4
2024-10-30	Egge, Paul P	Officer	Senior Executive VP, CFO	Direct	Sale	6,404	28.00	$179,312.00	60,155	4
2024-05-24	Long, Justin M	Officer	SEVP, GC & Secretary	Direct	Sale	5,000	22.88	$114,400.00	53,532	4
2023-12-04	Akin, Okan I.	Officer	Senior Executive VP, CRO	Direct	Sale	11,200	25.40	$284,480.00	73,285	4
2023-11-06	Egge, Paul P	Officer	Senior Executive VP, CFO	Direct	Sale	4,000	23.27	$93,080.00	53,465	4
2023-05-04	Penland, Joe Sr	Director	-	Indirect	Purchase	4,000	20.60	$82,400.00	4,000	4
2023-05-03	Wilson, William E Jr	Director	-	Indirect	Purchase	440	21.11	$9,288.40	440	4
2023-05-03	Penland, Joe Sr	Director	-	Direct	Purchase	29,512	21.57	$636,573.84	561,376	4
2023-05-03	Williams, John E Jr	Director	-	Direct	Purchase	45,000	21.96	$988,200.00	1,277,860	4
2023-03-13	Penland, Joe Sr	Director	-	Direct	Purchase	2,500	26.17	$65,425.00	484,616	4
2023-03-13	Swinbank, Joe B	Director	-	Direct	Purchase	37,841	26.41	$999,380.81	199,733	4
2023-02-03	Williams, John E Jr	Director	-	Indirect	Purchase	500	28.90	$14,450.00	500	4
2022-12-08	Martinez, George	Director	-	Indirect	Sale	12,808	29.78	$381,422.24	184,647	4
2022-12-07	Martinez, George	Director	-	Indirect	Sale	11,408	30.53	$348,286.24	197,455	4
2022-12-07	Martinez, George	Director	-	Indirect	Sale	11,408	30.53	$348,286.24	304,384	4/A
2022-06-03	Havard, Michael A	Director	-	Direct	Purchase	10,477	28.60	$299,642.20	58,811	4
2022-05-05	Dinsmore, Deborah	Officer	Sr. EVP Chief Info. Officer	Direct	Sale	8,200	28.70	$235,340.00	8,988	4
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Institutional Ownership

No data available for chart

2026-03-31

63.27%

Inst. Shares: 32,158,316

Shares Outstanding: 50,829,000

2025-12-31

61.07%

Inst. Shares: 31,607,584

Shares Outstanding: 51,756,000

2025-09-30

61.13%

Inst. Shares: 31,349,731

Shares Outstanding: 51,283,000

2025-06-30

58.90%

Inst. Shares: 30,350,442

Shares Outstanding: 51,529,000

2025-03-31

55.87%

Inst. Shares: 29,692,594

Shares Outstanding: 53,146,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	32,158,316	50,829,000	63.27%
2025-12-31	31,607,584	51,756,000	61.07%
2025-09-30	31,349,731	51,283,000	61.13%
2025-06-30	30,350,442	51,529,000	58.90%
2025-03-31	29,692,594	53,146,000	55.87%
2024-12-31	29,963,249	53,469,000	56.04%
2024-09-30	28,822,376	54,541,000	52.85%
2024-06-30	28,652,183	53,572,000	53.48%
2024-03-31	27,696,227	53,343,000	51.92%
2023-12-31	28,301,081	53,229,000	53.17%
2023-09-30	26,680,787	53,313,000	50.05%
2023-06-30	26,999,269	53,297,000	50.66%
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Stellar Bancorp, Inc. (STEL) — SEC Financial Statements & Analysis

Stellar Bancorp, Inc. (STEL) is a national commercial banks company, incorporated in TX. Stellar Bancorp, Inc. trades on NYSE as: STEL. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Stellar Bancorp, Inc. reported a -1.29% year-over-year revenue growth, a Gross Profit Margin of -2567.80% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -1.29%
Gross Profit Margin TTM: -2567.80%

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Stellar Bancorp, Inc. in?

Stellar Bancorp, Inc. (STEL) operates in the National Commercial Banks industry.

What exchange does STEL trade on?

Stellar Bancorp, Inc. (STEL) trades on the NYSE.

Where is Stellar Bancorp, Inc. incorporated?

Stellar Bancorp, Inc. is incorporated in TX.