Stellar Bancorp Statistics

Total Valuation

Stellar Bancorp has a market cap or net worth of $1.51 billion. The enterprise value is $1.09 billion.

Market Cap	1.51B
Enterprise Value	1.09B

Important Dates

The last earnings date was Friday, July 25, 2025, before market open.

Earnings Date	Jul 25, 2025
Ex-Dividend Date	Jun 16, 2025

Share Statistics

Stellar Bancorp has 51.35 million shares outstanding. The number of shares has decreased by -0.92% in one year.

Current Share Class	51.35M
Shares Outstanding	51.35M
Shares Change (YoY)	-0.92%
Shares Change (QoQ)	-3.06%
Owned by Insiders (%)	9.38%
Owned by Institutions (%)	60.96%
Float	46.50M

Valuation Ratios

The trailing PE ratio is 14.10 and the forward PE ratio is 15.35.

PE Ratio	14.10
Forward PE	15.35
PS Ratio	3.65
Forward PS	3.41
PB Ratio	0.94
P/TBV Ratio	1.47
P/FCF Ratio	19.22
P/OCF Ratio	18.05
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	9.86
EV / Sales	2.55
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.85

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.06
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.95%.

Return on Equity (ROE)	6.95%
Return on Assets (ROA)	1.04%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$415,453
Profits Per Employee	$107,680
Employee Count	1,023
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Stellar Bancorp has paid $28.35 million in taxes.

Income Tax	28.35M
Effective Tax Rate	20.47%

Stock Price Statistics

The stock price has increased by +20.94% in the last 52 weeks. The beta is 0.77, so Stellar Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+20.94%
50-Day Moving Average	29.17
200-Day Moving Average	28.32
Relative Strength Index (RSI)	48.11
Average Volume (20 Days)	304,661

Short Selling Information

The latest short interest is 829,637, so 1.62% of the outstanding shares have been sold short.

Short Interest	829,637
Short Previous Month	736,360
Short % of Shares Out	1.62%
Short % of Float	1.78%
Short Ratio (days to cover)	4.27

Income Statement

In the last 12 months, Stellar Bancorp had revenue of $425.01 million and earned $110.16 million in profits. Earnings per share was $2.08.

Revenue	425.01M
Gross Profit	425.01M
Operating Income	168.10M
Pretax Income	142.63M
Net Income	110.16M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.08

Full Income Statement

Balance Sheet

The company has $582.37 million in cash and $161.48 million in debt, giving a net cash position of $420.89 million or $8.20 per share.

Cash & Cash Equivalents	582.37M
Total Debt	161.48M
Net Cash	420.89M
Net Cash Per Share	$8.20
Equity (Book Value)	1.60B
Book Value Per Share	31.20
Working Capital	-8.13B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $83.48 million and capital expenditures -$5.09 million, giving a free cash flow of $78.39 million.

Operating Cash Flow	83.48M
Capital Expenditures	-5.09M
Free Cash Flow	78.39M
FCF Per Share	$1.53

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	39.55%
Pretax Margin	32.59%
Profit Margin	25.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	18.44%

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 1.87%.

Dividend Per Share	$0.56
Dividend Yield	1.87%
Dividend Growth (YoY)	5.77%
Years of Dividend Growth	1
Payout Ratio	26.42%
Buyback Yield	0.92%
Shareholder Yield	2.83%
Earnings Yield	7.31%
FCF Yield	5.20%

Dividend Details

Analyst Forecast

The average price target for Stellar Bancorp is $31.00, which is 5.66% higher than the current price. The consensus rating is "Hold".

Price Target	$31.00
Price Target Difference	5.66%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3