Stellar Bancorp Inc. (STEL)

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25.89

-1.11 (-4.11%)

At close: Apr 25, 2025, 3:59 PM

25.87

-0.08%

After-hours: Apr 25, 2025, 05:05 PM EDT

Stellar Bancorp Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016
Period Ending	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016
Revenue	602.4M	530.6M	530.09M	486.26M	501.17M	575.71M	470.52M	395M	309.31M	156.43M	146.74M	142.46M	140.64M	141.79M	140.83M	141.58M	141.94M	143.39M	146.17M	152.62M	152.88M	152.51M	148.94M	141.77M	137.37M	131.62M	127.92M	123.53M	120.34M	119.12M	116.7M	115.51M	86.67M	56.94M	28.43M
Cost of Revenue	n/a	-1.4M	-1.4M	-40.01M	n/a	-33.19M	-33.19M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Gross Profit	602.4M	532M	531.49M	526.27M	501.17M	608.91M	503.71M	395M	309.31M	156.43M	146.74M	142.46M	140.64M	141.79M	140.83M	141.58M	141.94M	143.39M	146.17M	152.62M	152.88M	152.51M	148.94M	141.77M	137.37M	131.62M	127.92M	123.53M	120.34M	119.12M	116.7M	115.51M	86.67M	56.94M	28.43M
Operating Income	n/a	147.01M	142.63M	147.73M	186.47M	201.4M	180.83M	153.95M	96.56M	50.51M	51.51M	51.63M	51.44M	64.35M	55.38M	44.47M	43.8M	49.66M	60.53M	77.3M	81.8M	82.31M	81.82M	76.84M	73.06M	62.37M	58.46M	55.79M	53.72M	55.56M	51.26M	48.44M	36.39M	23.26M	11.27M
Interest Income	602.4M	604.55M	457.47M	452.25M	444.24M	500.27M	540.25M	429.39M	322.99M	147.02M	135.04M	131.45M	132.09M	134.16M	135.22M	137.14M	138.69M	142.97M	148.4M	152.62M	153.4M	151.71M	147.18M	141.66M	135.76M	129.24M	124.15M	119.75M	116.66M	114.3M	112.43M	111.15M	83.15M	55.14M	27.44M
Pretax Income	144.96M	147.01M	142.63M	147.73M	161.88M	147.05M	124.82M	96.71M	62.52M	44.82M	46.02M	45.89M	45.52M	56.75M	47.18M	35.49M	32.4M	35.42M	43.72M	58.41M	62.09M	64.04M	64.2M	60.49M	58.65M	49.43M	47.17M	45.38M	44.02M	46.63M	42.47M	39.8M	29.91M	19.03M	9.22M
Net Income	115M	117.06M	114.07M	119.5M	130.5M	119.61M	101.45M	77.98M	51.43M	34.5M	36.18M	36.17M	35.6M	46.38M	38.38M	28.84M	26.36M	28.76M	35.42M	47.57M	50.52M	51.99M	51.94M	48.67M	47.29M	35.13M	32.16M	29.82M	27.57M	33.17M	29.91M	27.57M	20.71M	13.15M	6.37M
Selling & General & Admin	177.05M	176.66M	134.76M	133.47M	131.38M	144.41M	161.79M	138.5M	114.93M	82.69M	81.55M	81.83M	80.56M	68.96M	68.09M	66.57M	65.83M	66.7M	65.83M	66.42M	66.7M	66.54M	65.11M	63.1M	61.71M	61.63M	60.26M	58.69M	57.02M	55.08M	54.25M	53.6M	40.04M	25.53M	12.8M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	75.61M	-110.98M	-196.43M	-194.08M	-263.99M	-83.1M	-71.95M	-88.76M	-36.88M	-151.34M	-176.78M	-172.67M	-169.76M	-146.4M	-153.53M	-163.68M	-163.98M	-160.43M	-151.47M	-141.75M	-137.79M	-136.75M	-132.22M	-128.03M	-126.03M	-130.88M	-129.72M	-126.43M	-123.63M	-118.65M	-119.69M	-120.66M	-90.33M	-59.21M	-29.96M
Operating Expenses	244.93M	57.95M	-47.98M	-71.22M	-126.32M	-41.29M	-41.87M	-66.83M	-38.53M	-76.34M	-95.23M	-90.84M	-89.2M	-77.44M	-85.45M	-97.11M	-98.14M	-93.73M	-85.64M	-75.32M	-71.08M	-70.21M	-67.12M	-64.94M	-64.31M	-69.25M	-69.46M	-67.75M	-66.61M	-63.56M	-65.44M	-67.06M	-50.29M	-33.68M	-17.16M
Interest Expense	194.41M	193.59M	187.87M	175.78M	154.06M	137.57M	94.69M	57.24M	34.04M	5.69M	5.48M	5.74M	5.93M	6.28M	6.89M	7.67M	10.09M	13.1M	15.66M	17.74M	17.41M	16.29M	14.81M	12.71M	11.1M	9.64M	8.82M	8.77M	8.88M	8.93M	8.79M	8.64M	6.48M	4.23M	2.06M
Selling & Marketing Expenses	4.13M	3.54M	3.54M	3.55M	3.63M	4.12M	3.59M	3.05M	2.46M	1.23M	1.37M	1.51M	1.55M	1.73M	1.66M	1.42M	1.5M	1.51M	1.49M	1.75M	1.83M	1.78M	1.81M	1.76M	1.82M	1.93M	1.75M	1.79M	1.46M	1.17M	1.08M	783.4K	604.4K	385K	212K
Cost & Expenses	339.27M	152.3M	46.36M	-71.22M	-126.32M	-41.29M	-41.87M	-66.83M	-38.53M	-76.34M	-95.23M	-90.84M	-89.2M	-77.44M	-85.45M	-97.11M	-98.14M	-93.73M	-85.64M	-75.32M	-71.08M	-70.21M	-67.12M	-64.94M	-64.31M	-69.25M	-69.46M	-67.75M	-66.61M	-63.56M	-65.44M	-67.06M	-50.29M	-33.68M	-17.16M
Income Tax Expense	29.96M	29.95M	28.56M	28.23M	31.39M	27.43M	23.37M	18.73M	11.09M	10.31M	9.85M	9.71M	9.92M	10.37M	8.8M	6.65M	6.03M	6.66M	8.3M	10.84M	11.57M	12.05M	12.26M	11.82M	11.36M	14.3M	15.02M	15.56M	16.45M	13.46M	12.57M	12.23M	9.2M	5.88M	2.85M
Shares Outstanding (Basic)	53.54M	53.54M	53.57M	53.34M	53.29M	53.31M	53.3M	53.02M	35.01M	24.46M	24.59M	24.61M	24.44M	24.43M	24.45M	24.51M	24.62M	24.75M	24.75M	24.93M	24.95M	24.92M	24.92M	24.91M	24.89M	24.86M	24.86M	24.83M	23.63M	21.84M	21.84M	21.84M	21.84M	21.84M	24.46M
Shares Outstanding (Diluted)	53.58M	53.58M	53.61M	53.41M	53.36M	53.38M	53.38M	53.14M	35.01M	24.46M	24.59M	24.61M	24.57M	24.54M	24.57M	24.62M	24.68M	24.77M	24.78M	25.05M	25.07M	25.05M	25.04M	25.05M	25.05M	25.06M	25M	24.95M	23.74M	22.33M	22.33M	22.33M	22.33M	22.33M	24.46M
EPS (Basic)	n/a	2.19	2.14	2.24	2.45	1.99	1.93	1.75	1.48	1.41	1.48	1.48	1.46	1.90	1.57	1.18	1.07	1.16	1.42	1.90	2.02	2.08	2.08	1.95	1.90	1.41	1.35	1.31	1.25	1.52	1.37	1.23	0.92	0.57	0.26
EPS (Diluted)	n/a	2.19	2.14	2.24	2.45	1.98	1.92	1.74	1.47	1.41	1.48	1.48	1.46	1.89	1.56	1.17	1.06	1.15	1.41	1.89	2.01	2.07	2.07	1.94	1.89	1.41	1.34	1.29	1.23	1.49	1.34	1.21	0.90	0.56	0.26
EBITDA	137.64M	179.67M	176M	181.66M	196.35M	165.11M	135.81M	99.99M	58.87M	50.74M	51.62M	51.53M	50.81M	62.18M	52.56M	41.19M	38M	40.87M	49.12M	63.81M	67.53M	69.17M	68.41M	64.41M	62.2M	53M	50.74M	48.96M	47.69M	50.32M	46.85M	33.87M	22.88M	10.9M	n/a
EBIT	105.61M	147.01M	142.63M	147.73M	161.88M	129.89M	107.67M	79.56M	45.37M	44.82M	46.02M	45.89M	45.52M	56.75M	47.18M	35.49M	32.4M	35.42M	43.72M	58.41M	62.09M	64.04M	63.52M	59.81M	57.91M	48.69M	46.41M	44.55M	43.25M	45.86M	42.41M	30.29M	20.4M	9.52M	-295K
Depreciation & Amortization	32.03M	32.66M	33.37M	33.93M	34.47M	35.22M	27.4M	19.69M	11.99M	4.42M	4.83M	5.26M	5.68M	4.5M	4.45M	4.38M	4.29M	4.31M	4.25M	4.25M	3.14M	3.16M	2.08M	962K	985K	1.01M	1.87M	2.78M	3.62M	4.45M	4.44M	3.58M	2.48M	1.39M	295K