STELLAR BANCORP, INC. |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 24.16 USD | 0.00% |
|
+4.36% | -13.22% |
| Apr. 26 | Transcript : Stellar Bancorp, Inc., Q1 2024 Earnings Call, Apr 26, 2024 | |
| Apr. 26 | Stellar Bancorp's Q1 Earnings, Revenue Fall | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 782.5 | 697.9 | 854.8 | 1,556 | 1,483 | 1,199 | - |
| Enterprise Value (EV) 1 | 782.5 | 697.9 | 854.8 | 1,556 | 1,483 | 1,199 | 1,199 |
| P/E ratio | - | - | - | 20 x | 11.4 x | 11.2 x | 10.8 x |
| Yield | - | - | - | 1.46% | 1.87% | 2.37% | 2.44% |
| Capitalization / Revenue | 4.04 x | 3.31 x | 3.56 x | 5.03 x | 3.21 x | 2.77 x | 2.69 x |
| EV / Revenue | 4.04 x | 3.31 x | 3.56 x | 5.03 x | 3.21 x | 2.77 x | 2.69 x |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | - | - | - | 1.13 x | 0.98 x | 0.75 x | 0.71 x |
| Nbr of stocks (in thousands) | 20,811 | 20,448 | 20,251 | 52,832 | 53,262 | 53,297 | - |
| Reference price 2 | 31.12 | 25.51 | 29.00 | 29.46 | 27.84 | 22.49 | 22.49 |
| Announcement Date | 1/29/20 | 1/28/21 | 1/28/22 | 1/27/23 | 1/26/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 193.5 | 210.8 | 239.9 | 309.3 | 462.2 | 433.5 | 446.2 |
| EBITDA | - | - | - | - | - | - | - |
| EBIT 1 | 75.52 | 83.34 | 100.3 | 113.2 | 190.7 | 152.8 | 159.2 |
| Operating Margin | 39.04% | 39.53% | 41.82% | 36.61% | 41.25% | 35.24% | 35.68% |
| Earnings before Tax (EBT) 1 | 66.39 | 55.97 | 99.89 | 62.52 | 161.9 | 134.2 | 140.1 |
| Net income 1 | 52.96 | 45.53 | 81.55 | 51.43 | 130.5 | 107 | 111.5 |
| Net margin | 27.37% | 21.6% | 34% | 16.63% | 28.23% | 24.68% | 25% |
| EPS 2 | - | - | - | 1.470 | 2.450 | 2.000 | 2.086 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | - | - | 0.4300 | 0.5200 | 0.5320 | 0.5480 |
| Announcement Date | 1/29/20 | 1/28/21 | 1/28/22 | 1/27/23 | 1/26/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 60.26 | 61.29 | 59.19 | 60.19 | 63.68 | 126.3 | 123.6 | 113.8 | 111.4 | 113 | 108.5 | 106.5 | 109 | 109.5 | 108.3 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 25.97 | 24.55 | 24.67 | 22.28 | 30.2 | 46.63 | 50.73 | 44.56 | 40.67 | 42.25 | 37 | 36.43 | 38.48 | 38.63 | 36.7 |
| Operating Margin | 43.09% | 40.05% | 41.68% | 37.02% | 47.43% | 36.93% | 41.04% | 39.17% | 36.5% | 37.38% | 34.1% | 34.21% | 35.3% | 35.29% | 33.9% |
| Earnings before Tax (EBT) 1 | 23.67 | 26.39 | 22.86 | 20.14 | 17.69 | 1.834 | 47.06 | 42.64 | 38.35 | 33.83 | 32.91 | 33.34 | 34.29 | 35.05 | 33.04 |
| Net income 1 | 19.06 | 21.56 | 18.66 | 16.44 | 14.29 | 2.052 | 37.15 | 35.18 | 30.91 | 27.27 | 26.15 | 26.51 | 27.28 | 27.87 | 26.29 |
| Net margin | 31.63% | 35.17% | 31.52% | 27.31% | 22.43% | 1.63% | 30.05% | 30.92% | 27.74% | 24.13% | 24.1% | 24.9% | 25.03% | 25.46% | 24.28% |
| EPS 2 | - | - | - | - | 0.7100 | 0.0400 | 0.7000 | 0.6600 | 0.5800 | 0.5100 | 0.4900 | 0.4950 | 0.5100 | 0.5225 | 0.4933 |
| Dividend per Share 2 | - | - | - | - | 0.1400 | 0.1300 | 0.1300 | 0.1300 | 0.1300 | 0.1300 | 0.1300 | 0.1325 | 0.1325 | 0.1350 | 0.1400 |
| Announcement Date | 10/28/21 | 1/28/22 | 4/29/22 | 7/29/22 | 10/28/22 | 1/27/23 | 4/28/23 | 7/28/23 | 10/27/23 | 1/26/24 | 4/26/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 7.48% | 6.22% | 10.4% | 5.69% | 8.96% | 6.93% | 6.86% |
| ROA (Net income/ Total Assets) | 1.1% | 0.81% | 1.24% | 0.64% | 1.21% | 1% | 1.02% |
| Assets 1 | 4,814 | 5,621 | 6,577 | 8,036 | 10,785 | 10,753 | 11,014 |
| Book Value Per Share 2 | - | - | - | 26.10 | 28.50 | 30.10 | 31.80 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 1/29/20 | 1/28/21 | 1/28/22 | 1/27/23 | 1/26/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
22.49
USD
Average target price
29.5
USD
Spread / Average Target
+31.17%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -13.22% | 1.2B | |
| +16.61% | 210B | |
| +2.39% | 73.14B | |
| +7.99% | 54.82B | |
| +13.25% | 47B | |
| +1.36% | 47.1B | |
| +19.29% | 44.81B | |
| +10.93% | 36.6B | |
| -16.21% | 35.14B | |
| -96.60% | 32.24B |
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- Financials Stellar Bancorp, Inc.
