Stellar Bancorp, Inc.

STEL

STELStellar Bancorp, Inc. US flag

New York Stock Exchange

36.98

USD

-0.39

- -

1.88BMarket Cap

Income Statement (USD)

API Chat

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	110	115	120	138	153	211	237	309	461	431	423
+ Sales & Services Revenue	110	115	120	138	153	211	237	309	461	431	423
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	50	53	58	61	65	85	95	115	172	177	180
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-50	-53	-58	-61	-65	-85	-95	-115	-172	-177	-180
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-35	-39	-44	-59	-62	-56	-100	-63	-162	-145	-128
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-35	-39	-44	-59	-62	-56	-100	-63	-162	-145	-128
Pretax Income	35	39	44	59	62	56	100	63	162	145	128
- Income Tax Expense (Benefit)	11	12	16	11	12	10	18	11	31	30	25
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	24	27	28	47	51	46	82	51	130	115	103
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	24	27	28	47	51	46	82	51	130	115	103
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	24	27	28	47	51	46	82	51	130	115	103
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	24	27	28	47	51	46	82	51	130	115	103
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	5	4	4	4	5	8	8	14	34	32	30
EBITDA Margin (%)	4.5	3.84	3.68	3.12	3.55	3.62	3.18	4.61	7.47	7.43	7
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	21.97	23.61	22.91	34.36	32.98	21.6	34.39	16.63	28.29	26.68	24.3
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.21	0.2	0.2	0.2	0.35	0.33	0.4	0.44	0.52	0.53	0.57
Depreciation Expense	5	4	4	4	5	8	8	14	34	32	30
Basic Weighted Avg Shares	22	22	22	25	25	25	24	35	53	53	52
Basic EPS, GAAP	1.11	1.25	1.23	1.9	2.03	1.84	3.33	1.48	2.45	2.15	1.99
Basic EPS from Cont Ops	1.11	1.25	1.23	1.9	2.03	1.84	3.33	1.48	2.45	2.15	1.99
Diluted Weighted Avg Shares	22	22	23	25	25	25	25	35	53	54	52
Diluted EPS, GAAP	1.08	1.22	1.22	1.89	2.02	1.84	3.32	1.47	2.45	2.15	1.99
Diluted EPS from Cont Ops	1.08	1.22	1.22	1.89	2.02	1.84	3.32	1.47	2.45	2.15	1.99

Balance Sheet (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	435	383	327	440	425	739	2,531	2,179	1,795	2,584	2,224
+ Cash & Cash Equivalents	435	383	327	382	372	538	758	372	399	911	419
+ ST Investments	- -	- -	- -	58	53	201	1,774	1,808	1,396	1,673	1,805
+ Accounts & Notes Receiv	- -	- -	- -	- -	- -	- -	33	45	44	38	36
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	33	45	44	38	36
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-435	-383	-327	-440	-425	-739	-2,565	-2,224	-1,839	-2,622	-2,260
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	61	58	54	52	64	74	64	127	119	112	106
+ Property, Plant & Equip	83	82	80	81	97	110	84	150	147	147	148
- Accumulated Depreciation	22	25	27	30	33	36	20	23	29	35	42
+ LT Investments & Receivables	158	218	235	178	192	221	1,774	1,808	1,396	1,673	2,198
+ LT Investments	158	218	235	178	192	221	1,774	1,808	1,396	1,673	2,198
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-219	-276	-289	-229	-256	-295	-1,837	-1,934	-1,514	-1,785	-2,305
+ Total Intangible Assets	90	89	88	87	86	85	238	641	614	590	568
+ Goodwill	81	81	81	81	81	81	224	497	497	497	497
+ Other Intangible Assets	9	8	7	6	5	4	15	144	117	93	71
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-309	-364	-377	-316	-342	-380	-2,076	-2,575	-2,128	-2,375	-2,873
Total Assets	2,883	2,952	3,081	3,279	3,479	3,949	7,105	10,900	10,647	10,906	10,807
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	2	2	11	17	6
+ Accounts Payable	- -	- -	- -	- -	- -	- -	2	2	11	17	6
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	-2	-2	-11	-17	-6
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	-2	-2	-11	-17	-6
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	38	34	7	2	66	66	199	173	160	70	40
+ LT Borrowings	38	34	7	2	50	50	199	173	160	70	40
+ LT Finance Leases	- -	- -	- -	- -	16	16	14	- -	- -	- -	- -
+ Other LT Liabilities	-38	-34	-7	-2	-66	-66	-199	-173	-160	-70	-40
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-38	-34	-7	-2	-66	-66	-199	-173	-160	-70	-40
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	2,538	2,594	2,635	2,791	2,943	3,403	6,288	9,517	9,126	9,298	9,138
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	281	279	344	345	347	340	531	1,223	1,233	1,241	1,175
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	1	1	1	1
+ Additional Paid in Capital	281	279	343	344	347	339	531	1,223	1,233	1,240	1,175
- Treasury Stock	11	15	15	15	15	14	14	- -	- -	- -	- -
+ Retained Earnings	72	95	118	161	201	214	267	303	406	493	566
+ Other Equity	1	-1	- -	-3	2	7	18	-143	-118	-125	-73
Equity Before Minority Interest	344	358	446	488	536	546	816	1,383	1,521	1,608	1,669
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	344	358	446	488	536	546	816	1,383	1,521	1,608	1,669
Total Liabilities & Equity	2,883	2,952	3,081	3,279	3,479	3,949	7,105	10,900	10,647	10,906	10,807
Shares Outstanding	24	24	25	25	25	25	24	53	53	53	51
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	16	16	14	- -	- -	- -	- -
Net Debt	-398	-348	-320	-380	-322	-488	-559	-198	-239	-841	-379
Net Debt to Equity	-115.47	-97.39	-71.73	-78.03	-60.12	-89.3	-68.43	-14.34	-15.74	-52.31	-22.73
Tangible Common Equity Ratio	9.11	9.39	11.98	12.56	13.26	11.94	8.42	7.24	9.04	9.87	10.75
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	24	27	28	47	51	46	82	51	130	115	103
+ Depreciation & Amortization	5	4	4	4	5	8	8	14	34	32	30
+ Non-Cash Items	3	3	1	-2	-1	28	12	54	-15	-20	-4
+ Stock-Based Compensation	- -	- -	- -	2	2	3	4	9	10	11	9
+ Deferred Income Taxes	-2	1	3	-1	-2	-7	3	2	10	3	-2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	4	1	1	- -	- -	- -
+ Other Non-Cash Adj	5	3	-2	-3	-2	27	4	42	-35	-34	-12
+ Chg in Non-Cash Work Cap	1	1	2	- -	1	-20	6	-11	18	6	-31
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	-25	-1	3	-2	-4	-6
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	2	5	-16	16	5	-28
+ Inc (Dec) in Other	1	1	2	- -	1	3	3	3	4	4	3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	33	36	36	49	56	61	107	109	168	133	97
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	3	3	- -	- -	4	2	2	9	8	9
+ Disp of Fixed Prod Assets	- -	3	3	- -	- -	4	2	2	9	8	9
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-2	-1	-1	-2	-7	-3	-4	-7	-5	-4
+ Acq of Fixed Prod Assets	-3	-2	-1	-1	-2	-7	-3	-4	-7	-5	-4
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-4	-11	72	- -	- -	-16	-6	-24	- -	-3	-73
+ Increase in Capital Stock	- -	- -	72	- -	- -	3	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-4	-11	- -	- -	- -	-19	-6	-24	- -	-3	-73
+ Net Change in LT Investment	-53	-65	-18	-12	1	-365	-1,030	272	437	-292	-456
+ Dec in LT Investment	332	341	338	485	656	3,997	3,286	2,717	4,530	5,244	5,931
+ Inc in LT Investment	-385	-406	-356	-497	-656	-4,363	-4,316	-2,446	-4,093	-5,537	-6,387
+ Net Cash From Acq & Div	-6	- -	- -	- -	- -	- -	- -	370	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	370	- -	- -	- -
+ Cash for Acq of Subs	-6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-27	-68	-170	-135	-188	-593	276	-567	-143	535	103
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-89	-132	-185	-148	-190	-961	-755	74	295	246	-348
+ Dividends Paid	-4	-4	-4	-5	-9	-8	-10	-15	-28	-28	-29
+ Net Cash From Debt	24	-3	-28	- -	50	- -	-66	-26	-14	-90	-30
+ Cash From Debt	31	- -	- -	- -	50	- -	- -	- -	- -	- -	- -
+ Repayments of Debt	-7	-3	-28	- -	- -	- -	-66	-26	-14	-90	-30
+ Other Financing Activities	-15	62	54	159	82	1,001	1,063	-504	-394	254	-108
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	- -	43	94	154	124	977	982	-569	-436	133	-241
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-56	-53	-56	56	-10	77	335	-386	28	512	-492
EBITDA	5	4	4	4	5	8	8	14	34	32	30
EBITDA Margin (%)	4.5	3.84	3.68	3.12	3.55	3.62	3.18	4.61	7.47	7.43	7
Free Cash Flow	30	34	35	48	54	54	104	105	161	128	93
Net Cash Paid for Acquisitions	6	- -	- -	- -	- -	- -	- -	-370	- -	- -	- -
Free Cash Flow to Firm	30	34	35	48	54	54	104	105	161	128	93
Free Cash Flow to Equity	- -	34	10	48	104	58	41	82	156	46	72
Free Cash Flow per Basic Share	1.38	1.56	1.54	1.93	2.15	2.18	4.27	3.03	3.03	2.39	1.79
Price/Free Cash Flow	- -	- -	18.3	14.53	13.31	9.27	6.46	9.14	8.48	11.05	15.81
Cash Flow to Net Income	1.36	1.32	1.29	1.04	1.11	1.34	1.32	2.12	1.29	1.15	0.94
Capital Expenditures	-3	-2	-1	-1	-2	-7	-3	-4	-7	-5	-4