Stellar Bancorp, Inc. (STEL) — Financial statements
Income statement, balance sheet, and cash flow for Stellar Bancorp, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 596↓4.7% | 625↑1.6% | 615↑79.2% | 343↑31.2% | 262 | |
| Cost of Revenue | 183↓4.4% | 192↑17.5% | 163↑92.3% | 85↑280.1% | 22 | |
| Gross Profit | 413↓4.8% | 434↓4.1% | 452↑74.9% | 259↑8.0% | 239 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 186↑7.8% | 173↑2.9% | 168↑49.4% | 112↑20.2% | 94 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 4↑13.8% | 4↑47.4% | 2↑45.4% | 2 | |
| SG&A Expenses | 186↑5.3% | 177↑3.1% | 172↑49.4% | 115↑20.6% | 95 | |
| Other Expenses | 99↓11.5% | 112↓5.8% | 119↑46.4% | 81↑83.3% | 44 | |
| Operating Expenses | 285↓1.2% | 289↓0.5% | 290↑48.2% | 196↑40.5% | 140 | |
| Total Costs & Expenses | 468↓2.5% | 480↑6.0% | 453↑61.5% | 281↑73.5% | 162 | |
| Operating Results | ||||||
| Operating Income | 128↓11.9% | 145↓10.5% | 162↑158.9% | 63↓37.4% | 100 | |
| Depreciation & Amortization | 0.00↓100.0% | 32↓7.1% | 34↑141.8% | 14↑88.8% | 8 | |
| EBITDA | 128↓27.8% | 177↓9.9% | 196↑155.7% | 77↓28.5% | 107 | |
| EBIT | 128↓11.9% | 145↓10.5% | 162↑158.9% | 63↓37.4% | 100 | |
| Interest & Other Income | ||||||
| Net Interest Income | 402↓1.6% | 408↓6.6% | 437↑51.1% | 289↑26.4% | 229 | |
| Interest Income | 574↓4.6% | 602↑2.0% | 591↑82.9% | 323↑27.6% | 253 | |
| Interest Expense | 173↓11.1% | 194↑26.2% | 154↑352.6% | 34↑38.2% | 25 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 128↓11.9% | 145↓10.5% | 162↑158.9% | 63↓37.4% | 100 | |
| Income Tax Expense | 25↓16.8% | 30↓4.6% | 31↑183.0% | 11↓39.5% | 18 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 103↓10.5% | 115↓11.9% | 130↑153.7% | 51↓36.9% | 82 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 103↓10.5% | 115↓11.9% | 130↑153.7% | 51↓36.9% | 82 | |
| Bottom-Line Net Income | 103↓10.5% | 115↓11.9% | 130↑153.7% | 51↓36.9% | 82 | |
| EPS (Basic) | 1.99↓7.4% | 2.15↓12.2% | 2.45↑65.5% | 1.48↓48.1% | 2.85 | |
| EPS (Diluted) | 1.99↓7.4% | 2.15↓12.2% | 2.45↑66.7% | 1.47↓47.9% | 2.82 | |
| Weighted Average Shares | 52↓3.3% | 54↑0.6% | 53↑53.2% | 35↑21.2% | 29 | |
| Weighted Average Diluted Shares | 52↓3.3% | 54↑0.5% | 53↑52.3% | 35↑21.2% | 29 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.