Stellar Bancorp Inc. (STEL)
Stellar Bancorp Statistics
Share Statistics
Stellar Bancorp has 53.4M shares outstanding. The number of shares has increased by 0.2% in one year.
| Shares Outstanding | 53.4M |
| Shares Change (YoY) | 0.2% |
| Shares Change (QoQ) | -0.32% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 48.18M |
| Failed to Deliver (FTD) Shares | 679 |
| FTD / Avg. Volume | 0.41% |
Short Selling Information
The latest short interest is 420.11K, so 0.79% of the outstanding shares have been sold short.
| Short Interest | 420.11K |
| Short % of Shares Out | 0.79% |
| Short % of Float | 0.87% |
| Short Ratio (days to cover) | 2.33 |
Valuation Ratios
The PE ratio is 11.36 and the forward PE ratio is 15.12. Stellar Bancorp's PEG ratio is 0.17.
| PE Ratio | 11.36 |
| Forward PE | 15.12 |
| PS Ratio | 3.21 |
| Forward PS | 3.4 |
| PB Ratio | 0.97 |
| P/FCF Ratio | 9.18 |
| PEG Ratio | 0.17 |
Enterprise Valuation
Stellar Bancorp Inc. has an Enterprise Value (EV) of 1.24B.
| EV / Earnings | 9.52 |
| EV / Sales | 2.69 |
| EV / EBITDA | 6.33 |
| EV / EBIT | 7 |
| EV / FCF | 7.7 |
Financial Position
The company has a current ratio of 138.28, with a Debt / Equity ratio of 0.11.
| Current Ratio | 138.28 |
| Quick Ratio | 138.28 |
| Debt / Equity | 0.11 |
| Total Debt / Capitalization | 9.51 |
| Cash Flow / Debt | 1.05 |
| Interest Coverage | 1.15 |
Financial Efficiency
Return on equity (ROE) is 0.09% and return on capital (ROIC) is 8.51%.
| Return on Equity (ROE) | 0.09% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 8.51% |
| Revenue Per Employee | $444,861.14 |
| Profits Per Employee | $125,840.89 |
| Employee Count | 1,037 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 31.39M |
| Effective Tax Rate | 0.19 |
Stock Price Statistics
The stock price has increased by 22.14% in the last 52 weeks. The beta is 0.85, so Stellar Bancorp's price volatility has been higher than the market average.
| Beta | 0.85 |
| 52-Week Price Change | 22.14% |
| 50-Day Moving Average | 28.57 |
| 200-Day Moving Average | 26.57 |
| Relative Strength Index (RSI) | 53.35 |
| Average Volume (20 Days) | 165.04K |
Income Statement
In the last 12 months, Stellar Bancorp had revenue of 461.32M and earned 130.5M in profits. Earnings per share was 2.45.
| Revenue | 461.32M |
| Gross Profit | 590.82M |
| Operating Income | 177.44M |
| Net Income | 130.5M |
| EBITDA | 196.35M |
| EBIT | 177.44M |
| Earnings Per Share (EPS) | 2.45 |
Balance Sheet
The company has 399.24M in cash and 159.76M in debt, giving a net cash position of 239.47M.
| Cash & Cash Equivalents | 399.24M |
| Total Debt | 159.76M |
| Net Cash | 239.47M |
| Retained Earnings | 405.94M |
| Total Assets | 10.63B |
| Working Capital | -3.63B |
Cash Flow
In the last 12 months, operating cash flow was 168.22M and capital expenditures -6.86M, giving a free cash flow of 161.36M.
| Operating Cash Flow | 168.22M |
| Capital Expenditures | -6.86M |
| Free Cash Flow | 161.36M |
| FCF Per Share | 3.03 |
Margins
Gross margin is 128.07%, with operating and profit margins of 38.46% and 28.29%.
| Gross Margin | 128.07% |
| Operating Margin | 38.46% |
| Pretax Margin | 35.09% |
| Profit Margin | 28.29% |
| EBITDA Margin | 42.56% |
| EBIT Margin | 38.46% |
| FCF Margin | 34.98% |
Dividends & Yields
STEL pays an annual dividend of $0.67, which amounts to a dividend yield of 1.88%.
| Dividend Per Share | $0.67 |
| Dividend Yield | 1.88% |
| Dividend Growth (YoY) | 7.69% |
| Payout Ratio | 30.45% |
| Earnings Yield | 8.43% |
| FCF Yield | 10.39% |
Analyst Forecast
The average price target for STEL is $31, which is 6.6% higher than the current price. The consensus rating is "Hold".
| Price Target | $31 |
| Price Target Difference | 6.6% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | -0.15 |
| Piotroski F-Score | 5 |