Stock STEL STELLAR BANCORP, INC.
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Financials Stellar Bancorp, Inc. Nasdaq

Equities

STEL

US8589271068

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
22.49 USD -5.82% Intraday chart for Stellar Bancorp, Inc. -2.85% -23.11%
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 1,204 -
Enterprise Value (EV) 1 782.5 697.9 854.8 1,556 1,483 1,204 1,204
P/E ratio - - - 20 x 11.4 x 11.3 x 10.7 x
Yield - - - 1.46% 1.87% 2.38% 2.47%
Capitalization / Revenue 4.04 x 3.31 x 3.56 x 5.03 x 3.21 x 2.79 x 2.7 x
EV / Revenue 4.04 x 3.31 x 3.56 x 5.03 x 3.21 x 2.79 x 2.7 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 53,557 -
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 1 193.5 210.8 239.9 309.3 462.2 432.5 446.2
EBITDA - - - - - - -
EBIT 1 75.52 83.34 100.3 113.2 190.7 150.3 158.3
Operating Margin 39.04% 39.53% 41.82% 36.61% 41.25% 34.76% 35.48%
Earnings before Tax (EBT) 1 66.39 55.97 99.89 62.52 161.9 134.3 140.9
Net income 1 52.96 45.53 81.55 51.43 130.5 106 112.1
Net margin 27.37% 21.6% 34% 16.63% 28.23% 24.5% 25.12%
EPS 2 - - - 1.470 2.450 1.985 2.098
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - - - 0.4300 0.5200 0.5350 0.5550
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 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 2025 Q2
Net sales 1 61.29 59.19 60.19 63.68 126.3 123.6 113.8 111.4 113 108.5 106.8 108.7 109.4 108.3 110.5
EBITDA - - - - - - - - - - - - - - -
EBIT 1 24.55 24.67 22.28 30.2 46.63 50.73 44.56 40.67 42.25 37 36.76 38.19 39.11 36.7 38.78
Operating Margin 40.05% 41.68% 37.02% 47.43% 36.93% 41.04% 39.17% 36.5% 37.38% 34.1% 34.43% 35.12% 35.74% 33.9% 35.1%
Earnings before Tax (EBT) 1 26.39 22.86 20.14 17.69 1.834 47.06 42.64 38.35 33.83 32.91 32.91 34.06 35.23 33.04 34.82
Net income 1 21.56 18.66 16.44 14.29 2.052 37.15 35.18 30.91 27.27 26.15 26 26.94 27.84 26.29 27.68
Net margin 35.17% 31.52% 27.31% 22.43% 1.63% 30.05% 30.92% 27.74% 24.13% 24.1% 24.35% 24.77% 25.44% 24.28% 25.06%
EPS 2 - - - 0.7100 0.0400 0.7000 0.6600 0.5800 0.5100 0.4900 0.4850 0.5000 0.5200 0.4933 0.5167
Dividend per Share 2 - - - 0.1400 0.1300 0.1300 0.1300 0.1300 0.1300 - 0.1325 0.1325 0.1350 0.1400 0.1400
Announcement Date 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% 6.77% 6.86%
ROA (Net income/ Total Assets) 1.1% 0.81% 1.24% 0.64% 1.21% 0.99% 1.02%
Assets 1 4,814 5,621 6,577 8,036 10,785 10,703 11,014
Book Value Per Share 2 - - - 26.10 28.50 29.90 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

Ratings for Stellar Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
D+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
22.49 USD
Average target price
28.9 USD
Spread / Average Target
+28.50%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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