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+139.0%
5Y+267.0%
10Y+432.0%
3Y+41.0%
5Y+128.0%
10Y+376.0%
3Y+24.0%
5Y+136.0%
10Y+304.0%
SB

Stellar Bancorp, Inc. Profit Bridge

STEL ยท NASDAQ
Revenue625.45M
Cost of Goods Sold (191.53M)
Gross Profit433.92M
Operating Expenses (288.96M)
Operating Income144.96M
Interest Expense (194.41M)
Other Income/Expense0.00
Pretax Income144.96M
Income Tax (29.96M)
Net Income115.00M
Net Income
115.00M

Profitability Analysis

Gross Margin

69.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

23.2%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.4%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

20.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Stellar Bancorp, Inc. Income Statement

STEL โ€ข NASDAQ

Stellar Bancorp, Inc. Income StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
REVENUE
625.4M
615.4M
343.3M
261.7M
249.9M
170.6M
148.7M
129.2M
123.7M
117.5M
GROSS PROFIT
(191.5M)
(163M)
(84.7M)
(22.3M)
(66.5M)
(19.8M)
(9.3M)
(8.5M)
(13M)
(14.6M)
433.9M
452.4M
258.6M
239.4M
183.5M
150.8M
139.4M
120.7M
110.7M
102.9M
OPERATING INCOME
(289M)
(290.5M)
(196.1M)
(139.6M)
(127.5M)
(88.7M)
(80.7M)
(76.7M)
(71.5M)
(68M)
(177.1M)
(171.7M)
(114.9M)
(95.3M)
(84.6M)
(65.4M)
(61.2M)
(58.5M)
(53.1M)
(50.1M)
145M
161.9M
62.5M
99.9M
56M
62.1M
58.7M
44M
39.2M
34.9M
PRE-TAX INCOME
(194.4M)
(154.1M)
(34M)
(24.6M)
(39.1M)
(17.4M)
(11.1M)
(8.9M)
(8.4M)
(7.7M)
408M
436.8M
289M
228.6M
202.7M
136M
124.7M
107.8M
101.5M
97.9M
(111.9M)
(118.8M)
(81.1M)
(44.3M)
(42.9M)
(23.3M)
(19.6M)
(18.2M)
(18.3M)
(17.9M)
145M
161.9M
62.5M
99.9M
56M
62.1M
58.7M
44M
39.2M
34.9M
NET INCOME
(30M)
(31.4M)
(11.1M)
(18.3M)
(10.4M)
(11.6M)
(11.4M)
(16.5M)
(12M)
(10.8M)
115M
130.5M
51.4M
81.6M
45.5M
50.5M
47.3M
27.6M
27.2M
24.1M

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