Stellar Bancorp, Inc.
STEL · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $150,399 | $148,490 | $147,825 | $155,054 |
| % Growth | 1.3% | 0.4% | -4.7% | – |
| Cost of Goods Sold | $45,074 | $45,454 | $46,694 | $48,007 |
| Gross Profit | $105,325 | $103,036 | $101,131 | $107,047 |
| % Margin | 70% | 69.4% | 68.4% | 69% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $56,031 | $1,287 | $43,525 | $45,433 |
| SG&A Expenses | $57,456 | $2,454 | $44,307 | $47,026 |
| Sales & Mktg Exp. | $1,425 | $1,167 | $782 | $1,593 |
| Other Operating Expenses | $15,686 | $67,550 | $25,859 | $28,240 |
| Operating Expenses | $73,142 | $70,004 | $70,166 | $75,266 |
| Operating Income | $32,183 | $33,032 | $30,965 | $31,781 |
| % Margin | 21.4% | 22.2% | 20.9% | 20.5% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $32,183 | $33,032 | $30,965 | $31,781 |
| Tax Expense | $6,513 | $6,680 | $6,263 | $6,569 |
| Net Income | $25,670 | $26,352 | $24,702 | $25,212 |
| % Margin | 17.1% | 17.7% | 16.7% | 16.3% |
| EPS | 0.5 | 0.51 | 0.46 | 0.52 |
| % Growth | -2% | 10.9% | -11.5% | – |
| EPS Diluted | 0.5 | 0.51 | 0.46 | 0.47 |
| Weighted Avg Shares Out | 51,283 | 51,529 | 53,146 | 53,541 |
| Weighted Avg Shares Out Dil | 51,356 | 51,569 | 53,197 | 53,580 |
| Supplemental Information | – | – | – | – |
| Interest Income | $145,413 | $142,699 | $142,320 | $150,022 |
| Interest Expense | $44,769 | $44,364 | $43,062 | $47,065 |
| Depreciation & Amortization | $7,569 | $7,540 | $7,543 | $7,565 |
| EBITDA | $39,752 | $40,572 | $38,508 | $39,346 |
| % Margin | 26.4% | 27.3% | 26% | 25.4% |