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Stellar Bancorp



Income Statement (STEL)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
gross Profit$148.42M$79.62M$151.26M$146.95M$123.32M
NET Income$26.14M$27.26M$30.90M$35.17M$37.14M
total Revenue$108.41M$112.81M$151.26M$113.76M$123.32M

Balance Sheet (STEL)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
cash Equivalents-----
net Debt-$74.87M-$239.47M$131.37M$175.44M$85.03M
stockholders Equity$1.53B$1.52B$1.46B$1.45B$1.44B
total Assets$10.72B$10.64B$10.66B$10.77B$10.60B
total Debt$324.86M$159.76M$433.64M$479.52M$348.36M
total Liabilities$9.19B$9.12B$9.20B$9.31B$9.15B

Cash Flow (STEL)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
financing Cash Flow$79.03M-$94.86M-$132.33M$151.67M-$360.41M
free Cash Flow$30.53M$30.09M$35.75M$47.73M$47.77M
investing Cash Flow--$91.61M-$159.88M$203.02M
operating Cash Flow$31.10M$31.33M$38.89M$48.97M$49.01M

Stellar Bancorp (STEL) Financials

Stellar Bancorp, Inc. (STEL) is a leading financial institution with a strong presence in the industry. The company's income statement reveals its financial performance over a specific period. It provides details on the revenue generated, expenses incurred, and the resulting net income. The income statement is an essential tool for investors to evaluate the profitability of Stellar Bancorp, Inc.

EBIT, also known as earnings before interest and taxes, is a crucial metric for measuring Stellar Bancorp, Inc.'s profitability. It indicates the company's operating income before any interest and tax expenses are deducted. EBIT is an important indicator of the company's operational efficiency and profitability.

EBITDA, or earnings before interest, taxes, depreciation, and amortization, is a measure of Stellar Bancorp, Inc.'s financial performance. It provides a more comprehensive view of the company's profitability by excluding non-operating expenses such as depreciation and amortization. EBITDA allows investors to assess the company's ability to generate cash flow.

Gross profit is a key financial metric that represents the excess revenue generated by Stellar Bancorp, Inc. after deducting direct costs associated with producing or delivering its products and services. It is an important indicator of the company's efficiency in managing its costs and generating profits.

Net income from stockholders reflects the total profits attributable to Stellar Bancorp, Inc.'s stockholders after deducting all expenses and taxes. It represents the amount of earnings the company retains after distributing dividends to its shareholders.

Total revenue is the sum of all the income generated by Stellar Bancorp, Inc. from its primary operations. It includes interest income, fees, and other revenue streams. This metric is a key indicator of the company's overall financial performance and growth potential.

The balance sheet of Stellar Bancorp, Inc. provides a snapshot of the company's financial position at a specific point in time. It presents a summary of the company's assets, liabilities, and stockholders' equity. The balance sheet is critical for evaluating the company's solvency and financial stability.

Cash equivalents are highly liquid assets that can be readily converted into cash. Stellar Bancorp, Inc. holds cash equivalents to ensure it has sufficient liquidity to meet its short-term obligations and fund its operations.

Net debt is a financial metric that represents the difference between a company's total debt and its cash and cash equivalents. It indicates Stellar Bancorp, Inc.'s overall debt position after considering its available cash reserves. Understanding net debt is crucial for evaluating the company's debt management and financial health.

Stockholders' equity reflects the residual interest in the assets of Stellar Bancorp, Inc. It represents the net worth of the company that belongs to its stockholders after deducting liabilities. Stockholders' equity is a critical measure of the company's financial health and shareholder value.

Total assets represent the sum of all the valuable resources owned by Stellar Bancorp, Inc., including cash, investments, property, and equipment. It provides an overview of the company's total worth and its ability to generate future cash flows.

Total debt refers to the overall debt obligations of Stellar Bancorp, Inc., including borrowings, loans, and other outstanding liabilities. It is an important indicator of the company's leverage and its ability to meet its debt obligations.

Total liabilities represent all the financial obligations, including both current and long-term, that Stellar Bancorp, Inc. owes to external parties. It encompasses all the company's outstanding debts and other obligations.

The cash flow statement of Stellar Bancorp, Inc. provides insights into the company's cash inflows and outflows over a specific period. It records the sources and uses of cash, including operating activities, investing activities, and financing activities.

Financing cash flow highlights the cash inflows and outflows related to Stellar Bancorp, Inc.'s financing activities. These activities include issuing or repurchasing stock, issuing or retiring debt, and payment of dividends. Analyzing financing cash flow helps assess the company's funding and capital structure strategies.

Free cash flow is a measure of Stellar Bancorp, Inc.'s ability to generate cash after deducting capital expenditures necessary to maintain or expand its asset base. It is an important metric for evaluating the company's financial flexibility and ability to return value to its shareholders.

Investing cash flow represents the cash inflows and outflows associated with Stellar Bancorp, Inc.'s investing activities. These activities include the purchase or sale of long-term assets such as property, plant, and equipment, as well as investments in other companies. Analyzing investing cash flow provides insights into the company's strategic investments.

Operating cash flow reflects Stellar Bancorp, Inc.'s cash inflows and outflows from its core business operations. It represents the cash generated or utilized through day-to-day operational activities, such as sales and expenses. Operating cash flow is a key indicator of a company's financial health and ability to fund its ongoing operations.

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