Stellar Bancorp, Inc.
STEL · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $625,446 | $615,379 | $343,348 | $261,746 |
| % Growth | 1.6% | 79.2% | 31.2% | – |
| Cost of Goods Sold | $191,528 | $163,001 | $84,748 | $22,298 |
| Gross Profit | $433,918 | $452,378 | $258,600 | $239,448 |
| % Margin | 69.4% | 73.5% | 75.3% | 91.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $172,925 | $168,066 | $112,468 | $93,584 |
| SG&A Expenses | $177,052 | $171,693 | $114,928 | $95,276 |
| Sales & Mktg Exp. | $4,127 | $3,627 | $2,460 | $1,692 |
| Other Operating Expenses | $111,906 | $118,801 | $81,148 | $44,278 |
| Operating Expenses | $288,958 | $290,494 | $196,076 | $139,554 |
| Operating Income | $144,960 | $161,884 | $62,524 | $99,894 |
| % Margin | 23.2% | 26.3% | 18.2% | 38.2% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $144,960 | $161,884 | $62,524 | $99,894 |
| Tax Expense | $29,957 | $31,387 | $11,092 | $18,341 |
| Net Income | $115,003 | $130,497 | $51,432 | $81,553 |
| % Margin | 18.4% | 21.2% | 15% | 31.2% |
| EPS | 2.15 | 2.45 | 1.48 | 2.85 |
| % Growth | -12.2% | 65.5% | -48.1% | – |
| EPS Diluted | 2.15 | 2.45 | 1.47 | 2.82 |
| Weighted Avg Shares Out | 53,541 | 53,229 | 34,738 | 28,660 |
| Weighted Avg Shares Out Dil | 53,580 | 53,313 | 35,007 | 28,872 |
| Supplemental Information | – | – | – | – |
| Interest Income | $602,400 | $590,817 | $322,994 | $253,184 |
| Interest Expense | $194,408 | $154,058 | $34,036 | $24,620 |
| Depreciation & Amortization | $32,027 | $34,467 | $14,254 | $7,550 |
| EBITDA | $176,987 | $196,351 | $76,778 | $107,444 |
| % Margin | 28.3% | 31.9% | 22.4% | 41% |