SB

Stellar Bancorp, Inc.

STELยทNASDAQ

$32.41

+0.062%
Financial ServicesBanks - Regional

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.

At a Glance

Live Snapshot
Market Cap$1.66B
EPS2.1500
P/E Ratio13.20
Earnings Date01/29/2026
3Y+53.0%
5Y+214.0%
10Y+278.0%
3Y+48.0%
5Y+216.0%
10Y+266.0%
3Y+97.0%
5Y+200.0%
10Y+367.0%
s

Stellar Bancorp, Inc. Funding & Solvency Profile

STEL ยท NASDAQ
Cash & Cash Equivalents911.22M
Net Receivables37.88M
Inventory0.00
Other Current Assets0.00
Total Current Assets2 B
Property, Plant & Equipment111.86M
Goodwill & Intangible Assets589.86M
Long-Term Investments7.85B
Other Non-Current Assets223.16M
Total Non-Current Assets8 B
Total Assets
10.91B

Financial Health Analysis

Current Ratio

0.23x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.78x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-7010512000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

20% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Stellar Bancorp, Inc. Balance Sheet

STEL โ€ข NASDAQ

Stellar Bancorp, Inc. Balance SheetDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
ASSETS
CURRENT ASSETS
911.2M
399.2M
371.7M
757.5M
538M
372.1M
382.1M
326.2M
382.7M
435.3M
1.2B
1.4B
1.8B
1.8B
200.7M
53.3M
57.7M
0.0
0.0
0.0
2.1B
1.8B
2.2B
2.5B
738.7M
425.3M
439.8M
326.8M
382.7M
435.3M
37.9M
44.2M
44.7M
33.4M
0.0
0.0
0.0
0.0
0.0
0.0
37.9M
44.2M
44.7M
33.4M
0.0
0.0
0.0
0.0
0.0
0.0
2.1B
1.8B
2.2B
2.6B
738.7M
425.3M
439.8M
326.8M
382.7M
435.3M
NON-CURRENT ASSETS
111.9M
118.7M
126.8M
63.7M
74.4M
63.8M
51.6M
53.6M
57.5M
60.9M
497.3M
497.3M
497.3M
223.6M
81M
81M
81M
81M
81M
81M
92.5M
116.7M
143.5M
14.7M
4.2M
4.9M
5.8M
6.8M
7.8M
8.9M
589.9M
614M
640.8M
238.3M
85.1M
85.9M
86.7M
87.7M
88.7M
89.8M
7.8B
7.8B
7.7B
4.2B
2.9B
2.8B
2.6B
2.5B
2.3B
2.2B
0.0
0.0
0.0
10M
10.7M
7.4M
7.2M
5.8M
9M
8.4M
223.2M
241.8M
247.2M
35.1M
98.9M
86.1M
85.4M
83.5M
65M
62.1M
8.8B
8.8B
8.7B
4.5B
3.2B
3.1B
2.8B
2.8B
2.6B
2.4B
10.9B
10.6B
10.9B
7.1B
3.9B
3.5B
3.3B
3.1B
3B
2.9B
LIABILITIES
CURRENT LIABILITIES
17.1M
11.3M
2.1M
1.8M
0.0
0.0
0.0
0.0
0.0
0.0
17.1M
11.3M
2.1M
1.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
485K
2.5M
1.5M
2.3M
2.1M
9.1B
8.9B
9.3B
6B
3.3B
2.9B
2.8B
2.6B
2.5B
2.5B
9.1B
8.9B
9.3B
6B
3.3B
2.9B
2.8B
2.6B
2.5B
2.5B
NON-CURRENT LIABILITIES
70.1M
159.8M
173.3M
198.8M
50M
50M
1.6M
6.7M
34.4M
37.7M
82.4M
81.6M
74.2M
26.1M
34.5M
24.2M
21.1M
23.6M
16.4M
15.1M
152.5M
241.4M
247.5M
239.1M
101M
90M
22.7M
30.4M
50.8M
52.9M
0.0
16.2M
18.5M
14.1M
16.4M
15.7M
0.0
0.0
0.0
0.0
9.3B
9.1B
9.5B
6.3B
3.4B
2.9B
2.8B
2.6B
2.6B
2.5B
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
-14.2M
-14.4M
-14.6M
-14.8M
-15.3M
-15.4M
-11M
534K
533K
530K
289K
255K
258K
258K
257K
230K
229.7K
1.2B
1.2B
1.2B
530.8M
339.3M
346.6M
344.5M
343.2M
278.5M
281.2M
492.6M
405.9M
303.1M
267.1M
214.5M
201.1M
160.6M
118.4M
95.3M
72.5M
-125.4M
-118.1M
-143.3M
18.2M
6.8M
2.4M
-3M
-389K
-922K
1.4M
0.0
0.0
0.0
14.2M
0.0
0.0
0.0
0.0
0.0
0.0
1.6B
1.5B
1.4B
816.5M
546.5M
535.7M
487.6M
446.2M
357.6M
344.3M
1.6B
1.5B
1.4B
816.5M
546.5M
535.7M
487.6M
446.2M
357.6M
344.3M
SUMMARY
10.9B
10.6B
10.9B
7.1B
3.9B
3.5B
3.3B
3.1B
3B
2.9B
9B
9.2B
9.5B
6B
3.1B
2.9B
2.7B
2.5B
2.3B
2.2B
70.1M
159.8M
173.3M
212.9M
66.4M
66.2M
4.1M
8.3M
36.7M
39.8M
-841.1M
-239.5M
-198.4M
-544.6M
-471.6M
-305.9M
-378M
-318.5M
-346M
-395.5M
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496
51,187,496

SEC Filings

STEL - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 27, 2026
May 27, 2026
2026
8-K

8-K 2026

N/A

May 20, 2026
May 20, 2026
2026
8-K

8-K 2026

N/A

May 20, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 28, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
10-K/A

10-K/A 2025 FY (Amended)

FY

April 17, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

April 01, 2026
April 01, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 25, 2026
February 25, 2026
2026
Showing 1 to 10 of 193 filings