Stellar Bancorp, Inc.

Financial Services · Banks - Regional

39.20$ +0.6% vs. previous close Closing price · As of: Jul 2, 2026

Statements

Income Statement

Stellar Bancorp, Inc. (STEL) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q1 26), "Revenue" came in at 144 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of USD.

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Income Statement STEL
Line item	Q2 16	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	LTM
Revenue	30	31	32	31	32	33	33	34	36	38	40	40	46	43	42	40	37	37	37	37	35	38	36	64	66	71	217	148	152	156	159	155	158	158	155	148	148	150	150	144	592
Cost of Revenue	3.0	3.4	2.9	3.1	1.5	0.7	3.3	2.9	2.9	2.0	1.5	4.8	5.2	5.2	4.6	9.0	12	6.2	1.6	2.0	-3.6	-3.4	0.2	6.9	7.5	9.2	79	28	41	47	47	50	49	44	48	47	45	45	46	42	178
Gross Profit	27	27	29	28	30	33	30	31	33	36	39	35	40	38	37	31	25	31	36	35	39	41	36	57	58	62	138	120	112	109	112	104	109	114	107	101	103	105	104	102	414
Selling, General & Administrative	13	13	14	13	13	14	17	15	15	15	17	16	16	16	16	16	16	17	15	17	17	18	27	24	23	23	58	41	40	41	46	43	41	43	45	44	1.3	56	44	0.9	102
Total Operating Expenses	18	17	18	18	18	19	22	20	20	20	21	22	23	22	22	22	22	24	23	23	25	24	34	35	38	44	119	73	69	71	78	71	71	71	75	70	70	73	72	69	284
Operating Income	9.2	9.8	11	9.9	12	14	8.3	11	14	16	17	13	17	16	16	9.4	2.7	7.8	13	13	14	17	1.3	23	20	18	19	47	43	38	34	33	38	43	32	31	33	32	32	33	130
Interest Expense	2.1	2.2	2.2	2.2	2.2	2.3	2.2	2.0	2.3	3.1	3.7	3.7	4.4	4.6	4.8	4.0	2.3	2.1	1.8	1.6	1.5	1.4	1.4	5.1	5.4	7.2	30	25	39	45	46	46	51	50	47	43	44	45	41	39	169
Pre-Tax Income	9.2	9.8	11	9.9	12	14	8.3	11	14	16	17	13	17	16	16	9.4	2.7	7.8	13	13	14	17	1.3	23	20	18	19	47	43	38	34	33	38	43	32	31	33	32	32	33	130
Income Tax Expense	2.8	3.0	3.3	3.0	3.2	3.9	6.3	2.1	2.6	3.2	3.4	2.6	3.1	3.0	2.9	1.9	0.5	1.3	2.3	2.5	2.7	2.9	1.8	4.2	3.7	3.4	2.6	9.9	7.5	7.4	6.6	6.8	7.8	8.8	6.6	6.3	6.7	6.5	5.5	6.4	25
Net Income	6.4	6.8	7.6	6.9	8.7	10	2.0	9.1	11	13	14	10	14	13	13	7.5	2.2	6.4	10	10	12	14	-0.5	19	16	14	16	37	35	31	27	26	30	34	25	25	26	26	26	27	105
EBITDA	9.5	11	12	11	13	15	9.3	12	15	17	19	14	19	17	17	11	4.1	9.1	14	14	16	19	2.7	25	22	19	29	56	51	47	42	41	46	51	39	39	41	40	39	40	159

LTM = last twelve months (sum of the four most recent quarters).

Data as of: July 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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