Stellar Bancorp Inc. (STEL)
Stellar Bancorp Statistics
Share Statistics
Stellar Bancorp has 52.27M shares outstanding. The number of shares has increased by -1.17% in one year.
| Shares Outstanding | 52.27M |
| Shares Change (YoY) | -1.17% |
| Shares Change (QoQ) | -0.85% |
| Owned by Institutions (%) | 56.95% |
| Shares Floating | 47.06M |
| Failed to Deliver (FTD) Shares | 3 |
| FTD / Avg. Volume | < 0.01% |
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 13.2 and the forward PE ratio is 15.12. Stellar Bancorp's PEG ratio is -1.08.
| PE Ratio | 13.2 |
| Forward PE | 15.12 |
| PS Ratio | 2.52 |
| Forward PS | 2.9 |
| PB Ratio | 0.94 |
| P/FCF Ratio | 11.45 |
| PEG Ratio | -1.08 |
Enterprise Valuation
Stellar Bancorp has an Enterprise Value (EV) of 1.17B.
| EV / Sales | 1.94 |
| EV / EBITDA | 0 |
| EV / EBIT | 8.81 |
| EV / FCF | 8.81 |
Financial Position
The company has a current ratio of 124.96, with a Debt / Equity ratio of 0.04.
| Current Ratio | 124.96 |
| Quick Ratio | 124.96 |
| Debt / Equity | 0.04 |
| Debt / EBITDA | - |
| Debt / FCF | 0.53 |
| Interest Coverage | 3.03 |
Financial Efficiency
Return on Equity is 7.15% and Return on Invested Capital is 16.59%.
| Return on Equity | 7.15% |
| Return on Assets | 1.05% |
| Return on Invested Capital | 16.59% |
| Revenue Per Employee | $588.86K |
| Profits Per Employee | $112.42K |
| Employee Count | 1,023 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 29.96M |
| Effective Tax Rate | 20.67% |
Stock Price Statistics
The stock price has increased by 8.42% in the last 52 weeks. The beta is 0.61, so Stellar Bancorp's price volatility has been higher than the market average.
| Beta | 0.61 |
| 52-Week Price Change | 8.42% |
| 50-Day Moving Average | 27.89 |
| 200-Day Moving Average | 27.25 |
| Relative Strength Index (RSI) | 34.43 |
| Average Volume (20 Days) | 216.07K |
Income Statement
In the last 12 months, Stellar Bancorp had revenue of 602.4M and earned 115M in profits. Earnings per share was 2.15.
| Revenue | 602.4M |
| Gross Profit | 602.4M |
| Operating Income | 588.85M |
| Net Income | 115M |
| EBITDA | 0 |
| EBIT | 339.37M |
| Earnings Per Share (EPS) | 2.15 |
Balance Sheet
The company has 419.97M in cash and 70.11M in debt, giving a net cash position of 349.86M.
| Cash & Cash Equivalents | 419.97M |
| Total Debt | 70.11M |
| Net Cash | 349.86M |
| Retained Earnings | 492.64M |
| Total Assets | 10.91B |
| Working Capital | 2.11B |
Cash Flow
In the last 12 months, operating cash flow was 132.62M and capital expenditures 0, giving a free cash flow of 132.62M.
| Operating Cash Flow | 132.62M |
| Capital Expenditures | 0 |
| Free Cash Flow | 132.62M |
| FCF Per Share | 2.48 |
Margins
Gross margin is 100%, with operating and profit margins of 97.75% and 19.09%.
| Gross Margin | 100% |
| Operating Margin | 97.75% |
| Pretax Margin | 24.06% |
| Profit Margin | 19.09% |
| EBITDA Margin | n/a |
| EBIT Margin | 97.75% |
| FCF Margin | 22.02% |
Dividends & Yields
STEL pays an annual dividend of $0.67, which amounts to a dividend yield of 1.97%.
| Dividend Per Share | $0.67 |
| Dividend Yield | 1.97% |
| Dividend Growth (YoY) | 7.69% |
| Payout Ratio | 31.16% |
| Earnings Yield | 7.58% |
| FCF Yield | 8.74% |
Analyst Forecast
The average price target for STEL is $31, which is 24.1% higher than the current price. The consensus rating is "Hold".
| Price Target | $31 |
| Price Target Difference | 24.1% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.47 |
| Piotroski F-Score | 7 |