Stellar Bancorp, Inc.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $6.3M | $6.4M | $6.1M | $3.7M | — |
| Interest expense | — | — | $154.1M | $34.0M | $24.6M |
| Pretax income | $127.8M | $145.0M | $161.9M | $62.5M | $99.9M |
| Income tax expense | $24.9M | $30.0M | $31.4M | $11.1M | $18.3M |
| Net income | $102.9M | $115.0M | $130.5M | $51.4M | $81.6M |
| Balance Sheet | |||||
| Cash and equivalents | $419.5M | $911.2M | $399.2M | $371.7M | $757.5M |
| Total assets | $10.8B | $10.9B | $10.6B | $10.9B | $7.1B |
| Total liabilities | $9.1B | $9.3B | $9.1B | $9.5B | $6.3B |
| Stockholders' equity | $1.7B | $1.6B | $1.5B | $1.4B | $816.5M |
| Cash Flow Statement | |||||
| Cash from operations | $97.0M | $132.6M | $168.2M | $109.1M | $107.4M |
| Depreciation and amortization | $8.1M | $7.8M | $7.6M | $5.0M | $4.3M |
| Stock-based compensation | $9.2M | $10.8M | $9.9M | $9.0M | $4.0M |
| Capital expenditure | $4.4M | $4.7M | $6.9M | $3.8M | $2.9M |
| Free cash flow | $92.6M | $128.0M | $161.4M | $105.3M | $104.4M |
| Dividends paid | $29.3M | $28.3M | $27.7M | $15.4M | $9.7M |
| Share repurchases | $73.4M | $2.8M | $0 | $23.6M | $5.7M |
Shares outstanding 50.9M · Free float 85.5%
Annual filing data through FY ended December 31, 2025; float as of July 13, 2026.