$32.41
+0.062%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
STEL • NASDAQ
| Stellar Bancorp, Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||
115M | 130.5M | 51.4M | 81.6M | 45.5M | 50.5M | 47.3M | 27.6M | 27.2M | 24.1M | |
32M | 34.5M | 14.3M | 7.6M | 7.6M | 5.4M | 4.3M | 4.4M | 4.4M | 4.9M | |
3.3M | 10.3M | 1.9M | 2.8M | -7.1M | -1.7M | -734K | 2.9M | 601K | -1.7M | |
10.8M | 9.9M | 9M | 4M | 3.4M | 2.4M | 1.6M | 329K | 43K | 12K | |
-34.1M | -35.1M | 43.4M | 5.3M | 31.2M | -1.6M | -3.2M | -1.9M | 2.6M | 4.8M | |
(27.4M) | (14M) | (15.1M) | (19.3M) | (15.1M) | (13.7M) | (11.6M) | (13.8M) | (11.4M) | (11.1M) | |
5.7M | 18.2M | -11M | 6.2M | -19.7M | 956K | 65K | 2.2M | 1.2M | 617K | |
132.6M | 168.2M | 109.1M | 107.4M | 61.1M | 56.1M | 49.3M | 35.6M | 36M | 32.8M | |
INVESTING ACTIVITIES | ||||||||||
-4.7M | -6.9M | -3.8M | -2.9M | -7.2M | -2.5M | -1.3M | -992K | -1.9M | -2.8M | |
(0.0) | (0.0) | (370.4M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -5.9M | |
-5.5B | -4.1B | -2.4B | -4.3B | -4.4B | -655.6M | -496.7M | -355.7M | -406.2M | -385M | |
5.2B | 4.5B | 2.7B | 3.3B | 4B | 656.3M | 484.8M | 338M | 341.5M | 332M | |
543.1M | -134.5M | -564.4M | 277.6M | -588.8M | -187.9M | -134.6M | -166.7M | -64.9M | -26.9M | |
(246.1M) | (295.3M) | (73.8M) | -754.8M | -961.1M | -189.7M | -147.7M | -185.4M | -131.6M | -88.7M | |
FINANCING ACTIVITIES | ||||||||||
-2.8M | -76K | -23.6M | -5.7M | -16M | -3K | 0.0 | 71.8M | -11.1M | -4.4M | |
-90M | -14M | -26M | -65.6M | -485K | 50M | 0.0 | -27.7M | -3.3M | 23.9M | |
-28.3M | -27.7M | -15.4M | -9.7M | -10M | -8.8M | -5M | -4.4M | -4.4M | -4.5M | |
-2.8M | -76K | -23.6M | -5.7M | -18.6M | -3K | (0.0) | (0.0) | -11.1M | -4.4M | |
254.4M | -394.2M | -503.6M | 1.1B | 1B | 82.4M | 159.3M | 54.3M | 61.5M | -15M | |
133.3M | -435.9M | -568.6M | 982.2M | 976.6M | 123.6M | 154.3M | 93.9M | 42.7M | -17K | |
CASH FLOW SUMMARY | ||||||||||
512M | 27.5M | -385.8M | 334.7M | 76.5M | -10M | 55.9M | -55.9M | -52.8M | -55.8M | |
399.2M | 371.7M | 757.5M | 422.8M | 346.2M | 382.1M | 326.2M | 382.1M | 434.9M | 490.7M | |
911.2M | 399.2M | 371.7M | 757.5M | 422.8M | 372.1M | 382.1M | 326.2M | 382.1M | 434.9M | |
128M | 161.4M | 105.3M | 104.4M | 53.9M | 53.6M | 48M | 35.6M | 36M | 30M |
STEL - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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