Stellar Bancorp, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 261.75M | 343.35M | 615.38M | 625.45M | 596.26M | -4.7% | |
| Cost of Revenue | (22.30M) | (84.75M) | (163.00M) | (191.53M) | (183.01M) | -4.4% | |
Gross Profit | 239.45M | 258.60M | 452.38M | 433.92M | 413.25M | -4.8% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (95.28M) | (114.93M) | (171.69M) | (177.05M) | (179.70M) | 1.5% | |
| General & Administrative | (93.58M) | (112.47M) | (168.07M) | (172.93M) | (174.99M) | 1.2% | |
| Selling & Marketing | (1.69M) | (2.46M) | (3.63M) | (4.13M) | (4.71M) | 14.1% | |
| Depreciation & Amortization | (7.55M) | (14.25M) | (34.47M) | (32.03M) | (29.64M) | -7.5% | |
Operating Income (EBIT) | 99.89M | 62.52M | 161.88M | 144.96M | 127.78M | -11.9% | |
| Non-Operating Items | |||||||
| Interest Income | 253.18M | 322.99M | 590.82M | 602.40M | 574.47M | -4.6% | |
| Interest Expense | (24.62M) | (34.04M) | (154.06M) | (194.41M) | (172.85M) | -11.1% | |
| Other Income/Expenses (Net) | — | — | — | — | — | — | |
Income Before Tax | 99.89M | 62.52M | 161.88M | 144.96M | 127.78M | -11.9% | |
| Income Tax Expense | (18.34M) | (11.09M) | (31.39M) | (29.96M) | (24.91M) | -16.8% | |
Net Income | 81.55M | 51.43M | 130.50M | 115.00M | 102.87M | -10.5% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $3 | $1 | $2 | $2 | $2 | -7.4% | |
| Weighted Avg Shares Outstanding | 28.66M | 34.74M | 53.23M | 53.54M | 51.75M | -3.3% | |
| Weighted Avg Shares Outstanding (Diluted) | 28.87M | 35.01M | 53.31M | 53.58M | 51.80M | -3.3% | |
EBITDA | 107.44M | 76.78M | 196.35M | 176.99M | 157.42M | -11.1% |
Explore STEL
STEL in the Financial Services
Mid Cap