Stellar Bancorp, Inc.
New York Stock ExchangeTotal Valuation
Stellar Bancorp, Inc. carries a market capitalization of 1.88B, placing it among publicly traded companies globally. Its enterprise value stands at 1.50B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.88B |
| Enterprise Value | 1.50B |
Share Statistics
Stellar Bancorp, Inc. currently has 50.91M shares outstanding.
| Shares Outstanding | 50.91M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Stellar Bancorp, Inc. trades at a trailing price-to-earnings ratio of 17.82. The price-to-sales ratio is 4.36, and the price-to-book ratio stands at 3.20.
| PE Ratio | 17.82 |
| PS Ratio | 4.36 |
| PB Ratio | 3.20 |
| P/TBV Ratio | 1.70 |
| P/FCF Ratio | 15.25 |
| P/OCF Ratio | 15.72 |
Enterprise Valuation
On an enterprise value basis, Stellar Bancorp, Inc. trades at an EV/EBITDA multiple of 51.69 and an EV/FCF ratio of 12.16.
| EV / Sales | 3.48 |
| EV / EBITDA | 51.69 |
| EV / EBIT | N/A |
| EV / FCF | 12.16 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 10.51 |
| Debt / EBITDA | 6.05 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 19.18 |
| Return on Assets (ROA) | 0.99 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Stellar Bancorp, Inc. has paid 25.06M in income taxes, reflecting an effective tax rate of 19.25.
| Income Tax | 25.06M |
| Effective Tax Rate | 19.25 |
Stock Price Statistics
Stellar Bancorp, Inc.'s stock has gained approximately 37.93361% over the past 52 weeks. The 50-day moving average sits at 37.15, while the 200-day moving average is 33.70.
| Beta (5Y) | N/A |
| 52-Week Price Change | 37.93361% |
| 50-Day Moving Average | 37.15 |
| 200-Day Moving Average | 33.70 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Stellar Bancorp, Inc. generated 429.69M in revenue and converted that into 105.14M in net income, yielding earnings per share of 2.05.
| Revenue | 429.69M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 130.20M |
| Net Income | 105.14M |
| EBITDA | 28.95M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.05 |
Balance Sheet
Stellar Bancorp, Inc. holds 552.58M in cash and equivalents against 175.26M in total debt, resulting in a net debt position of -374.31M.
| Cash & Cash Equivalents | 552.58M |
| Total Debt | 175.26M |
| Net Debt | -374.31M |
| Equity (Book Value) | 585.91M |
| Book Value Per Share | 11.45 |
| Working Capital | N/A |
Cash Flow
Stellar Bancorp, Inc. produced 119.19M in operating cash flow over the past twelve months. After subtracting -3.90M in capital expenditures, free cash flow totaled 115.30M - equivalent to 2.25 per share.
| Operating Cash Flow | 119.19M |
| Capital Expenditures | -3.90M |
| Free Cash Flow | 115.30M |
| FCF Per Share | 2.25 |
Margins
Stellar Bancorp, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 30.30 |
| Profit Margin | 24.47 |
| EBITDA Margin | 6.74 |
Dividends & Yields
The company's payout ratio of 28.35 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.58 |
| Dividend Yield | N/A |
| Payout Ratio | 28.35 |
| Shareholder Yield | -17.80 |
| FCF Yield | 6.56 |
Scores
Stellar Bancorp, Inc. posts an Altman Z-Score of 0.24, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.24 |