See more : LENSAR, Inc. (LNSR) Income Statement Analysis – Financial Results
Complete financial analysis of Stellar Bancorp, Inc. (STEL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Stellar Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Stellar Bancorp, Inc. (STEL)
About Stellar Bancorp, Inc.
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 461.32M | 309.31M | 140.64M | 141.94M | 152.88M | 137.37M | 120.34M | 115.26M | 109.87M |
| Cost of Revenue | -129.50M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 590.82M | 309.31M | 140.64M | 141.94M | 152.88M | 137.37M | 120.34M | 115.26M | 109.87M |
| Gross Profit Ratio | 128.07% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 168.07M | 112.47M | 79.01M | 64.33M | 64.87M | 60.52M | 56.17M | 52.00M | 49.18M |
| Selling & Marketing | 3.63M | 2.46M | 1.55M | 1.50M | 1.83M | 1.82M | 1.46M | 789.40K | 925.00K |
| SG&A | 171.69M | 114.93M | 80.57M | 65.83M | 66.70M | 62.35M | 57.64M | 52.79M | 50.11M |
| Other Expenses | 289.63M | -48.73M | -175.69M | -175.38M | -157.50M | -129.97M | -121.71M | -120.43M | -117.40M |
| Operating Expenses | 461.32M | 6.04M | -95.12M | -109.55M | -90.80M | -67.62M | -64.08M | -67.63M | -67.29M |
| Cost & Expenses | 461.32M | 6.04M | -95.12M | -109.55M | -90.80M | -67.62M | -64.08M | -67.63M | -67.29M |
| Interest Income | 590.82M | 322.99M | 132.09M | 138.69M | 153.40M | 135.76M | 116.66M | 109.95M | 105.53M |
| Interest Expense | 154.06M | 34.04M | 5.93M | 10.09M | 17.41M | 11.10M | 8.89M | 8.40M | 7.65M |
| Depreciation & Amortization | 34.47M | 14.25M | 7.55M | 5.60M | 5.44M | 4.29M | 4.43M | 4.43M | 4.95M |
| EBITDA | 196.35M | 0.00 | 0.00 | 38.00M | 67.53M | 62.95M | 48.46M | 43.65M | 39.87M |
| EBITDA Ratio | 42.56% | 35.83% | 32.89% | 23.42% | 41.20% | 53.90% | 47.65% | 45.16% | 43.26% |
| Operating Income | 177.44M | 96.56M | 45.52M | 32.40M | 62.09M | 69.75M | 56.26M | 47.62M | 42.58M |
| Operating Income Ratio | 38.46% | 31.22% | 32.36% | 22.82% | 40.61% | 50.78% | 46.75% | 41.32% | 38.76% |
| Total Other Income/Expenses | -15.56M | -24.14M | -2.01M | 0.00 | -32.00K | 31.00K | 1.32M | 1.45M | -1.37M |
| Income Before Tax | 161.88M | 62.52M | 45.52M | 32.40M | 62.09M | 58.65M | 44.02M | 39.22M | 34.93M |
| Income Before Tax Ratio | 35.09% | 20.21% | 32.36% | 22.82% | 40.61% | 42.70% | 36.58% | 34.03% | 31.79% |
| Income Tax Expense | 31.39M | 11.09M | 9.92M | 6.03M | 11.57M | 11.36M | 16.45M | 12.01M | 10.79M |
| Net Income | 130.50M | 51.43M | 35.60M | 26.36M | 50.52M | 47.29M | 27.57M | 27.21M | 24.14M |
| Net Income Ratio | 28.29% | 16.63% | 25.31% | 18.57% | 33.04% | 34.42% | 22.91% | 23.61% | 21.97% |
| EPS | 2.45 | 1.48 | 1.24 | 0.91 | 2.03 | 1.90 | 1.23 | 1.25 | 1.11 |
| EPS Diluted | 2.45 | 1.47 | 1.23 | 0.90 | 2.02 | 1.89 | 1.22 | 1.22 | 1.08 |
| Weighted Avg Shares Out | 53.23M | 34.74M | 28.66M | 28.96M | 24.93M | 24.86M | 22.46M | 21.84M | 21.84M |
| Weighted Avg Shares Out (Dil) | 53.31M | 35.01M | 28.87M | 29.14M | 25.05M | 25.02M | 22.57M | 22.33M | 22.33M |
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Gilat to Acquire Stellar Blu, an IFC Market Leader with a First-to-Market ESA-Based Solution for Commercial Aviation
Source: https://incomestatements.info
Category: Stock Reports