STEL - Stellar Bancorp, Inc.
Price:
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--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$29.50
DETAILS
HIGH:
$32.00
LOW:
$27.00
MEDIAN:
$29.50
CONSENSUS:
$29.50
DOWNSIDE:
21.27%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 596.3 | 625.4 | 615.4 | 343.3 | 261.7 | 249.9 | 170.6 | 148.7 | 129.2 | 123.7 | 117.5 |
| Cost of Revenue | 183.0 | 191.5 | 163.0 | 84.7 | 22.3 | 66.5 | 19.8 | 9.3 | 8.5 | 13.0 | 14.6 |
| Gross Profit | 413.3 | 433.9 | 452.4 | 258.6 | 239.4 | 183.5 | 150.8 | 139.4 | 120.7 | 110.7 | 102.9 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 186.4 | 177.1 | 171.7 | 114.9 | 95.3 | 84.6 | 65.4 | 61.2 | 58.5 | 53.1 | 50.1 |
| Other Expenses | 99.0 | 111.9 | 118.8 | 81.1 | 44.3 | 42.9 | 23.3 | 19.6 | 18.2 | 18.3 | 17.9 |
| Operating Expenses | 285.5 | 289.0 | 290.5 | 196.1 | 139.6 | 127.5 | 88.7 | 80.7 | 76.7 | 71.5 | 68.0 |
| Operating Income | |||||||||||
| Operating Income | 127.8 | 145.0 | 161.9 | 62.5 | 99.9 | 56.0 | 62.1 | 58.7 | 44.0 | 39.2 | 34.9 |
| Interest Expense | 172.8 | 194.4 | 154.1 | 34.0 | 24.6 | 39.1 | 17.4 | 11.1 | 8.9 | 8.4 | 7.7 |
| Interest Income | 574.5 | 602.4 | 590.8 | 323.0 | 253.2 | 241.8 | 153.4 | 135.8 | 116.7 | 110.0 | 105.5 |
| Profitability | |||||||||||
| EBITDA | 127.8 | 177.0 | 196.4 | 76.8 | 107.4 | 63.6 | 67.5 | 62.9 | 48.5 | 43.6 | 39.9 |
| EBIT | 127.8 | 145.0 | 161.9 | 62.5 | 99.9 | 56.0 | 62.1 | 58.7 | 44.0 | 39.2 | 34.9 |
| Income Before Tax | 127.8 | 145.0 | 161.9 | 62.5 | 99.9 | 56.0 | 62.1 | 58.7 | 44.0 | 39.2 | 34.9 |
| Income Tax Expense | 24.9 | 30.0 | 31.4 | 11.1 | 18.3 | 10.4 | 11.6 | 11.4 | 16.5 | 12.0 | 10.8 |
| Net Income | 102.9 | 115.0 | 130.5 | 51.4 | 81.6 | 45.5 | 50.5 | 47.3 | 27.6 | 27.2 | 24.1 |
| Per Share Data | |||||||||||
| EPS (Basic) | 1.99 | 2.15 | 2.45 | 1.48 | 2.85 | 1.06 | 2.03 | 1.90 | 1.23 | 1.25 | 1.11 |
| EPS (Diluted) | 1.99 | 2.15 | 2.45 | 1.47 | 2.82 | 1.06 | 2.02 | 1.89 | 1.22 | 1.22 | 1.08 |
| Shares Outstanding | 51.8 | 53.5 | 53.2 | 34.7 | 28.7 | 29.0 | 24.9 | 24.9 | 22.5 | 21.8 | 21.8 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 419.5 | 911.2 | 399.2 | 371.7 | 757.5 | 538.0 | 372.1 | 382.1 | 326.2 | 382.7 |
| Short-Term Investments | 1,805.0 | 1,185.8 | 1,395.7 | 1,807.6 | 1,773.8 | 200.7 | 53.3 | 57.7 | 0 | 0 |
| Net Receivables | 35.9 | 37.9 | 44.2 | 44.7 | 33.4 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | (2,130.2) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 130.2 | 2,134.9 | 1,839.2 | 2,224.0 | 2,564.7 | 738.7 | 425.3 | 439.8 | 326.8 | 382.7 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 109.8 | 111.9 | 118.7 | 126.8 | 63.7 | 74.4 | 63.8 | 51.6 | 53.6 | 57.5 |
| Goodwill | 497.3 | 497.3 | 497.3 | 497.3 | 223.6 | 81.0 | 81.0 | 81.0 | 81.0 | 81.0 |
| Intangible Assets | 71.0 | 92.5 | 116.7 | 143.5 | 14.7 | 4.2 | 4.9 | 5.8 | 6.8 | 7.8 |
| Long-Term Investments | 7,610.4 | 7,846.0 | 7,833.4 | 7,661.6 | 4,193.2 | 2,941.4 | 2,810.0 | 2,608.4 | 2,523.7 | 2,348.5 |
| Other Non-Current Assets | 2,387.9 | 223.2 | 241.8 | 247.2 | 35.1 | 98.9 | 86.1 | 85.4 | 83.5 | 65 |
| Total Non-Current Assets | 10,676.4 | 8,770.9 | 8,808.0 | 8,676.4 | 4,540.3 | 3,210.5 | 3,053.2 | 2,839.3 | 2,754.3 | 2,568.8 |
| Total Assets | 10,806.6 | 10,905.8 | 10,647.1 | 10,900.4 | 7,105.0 | 3,949.2 | 3,478.5 | 3,279.1 | 3,081.1 | 2,951.5 |
| Current Liabilities | ||||||||||
| Account Payables | 5.5 | 17.1 | 11.3 | 2.1 | 1.8 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0.5 | 2.5 | 1.5 | 2.3 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | (11.3) | 9,124.2 | 8,873.5 | 9,267.6 | 6,047.6 | 3,301.8 | 2,852.4 | 2,766.3 | 2,603.0 | 2,540.8 |
| Total Current Liabilities | 4.1 | 9,145.4 | 8,884.8 | 9,269.7 | 6,049.4 | 3,301.8 | 2,852.9 | 2,768.8 | 2,604.5 | 2,543.1 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 40.2 | 70.1 | 159.8 | 173.3 | 198.8 | 50 | 50 | 1.6 | 6.7 | 34.4 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 9,097.7 | 82.4 | 81.6 | 74.2 | 26.1 | 34.5 | 24.2 | 21.1 | 23.6 | 16.4 |
| Total Non-Current Liabilities | 9,137.9 | 152.5 | 241.4 | 247.5 | 239.1 | 101.0 | 90.0 | 22.7 | 30.4 | 50.8 |
| Total Liabilities | 9,137.9 | 9,297.9 | 9,126.1 | 9,517.3 | 6,288.5 | 3,402.8 | 2,942.8 | 2,791.5 | 2,634.9 | 2,593.9 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.5 | 0.5 | 0.5 | 0.5 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 |
| Retained Earnings | 566.2 | 492.6 | 405.9 | 303.1 | 267.1 | 214.5 | 201.1 | 160.6 | 118.4 | 95.3 |
| Accumulated Other Comprehensive Income | (73.0) | (125.4) | (118.1) | (143.3) | 18.2 | 6.8 | 2.4 | (3.0) | (0.4) | (0.9) |
| Total Stockholders' Equity | 1,668.7 | 1,607.9 | 1,521.0 | 1,383.2 | 816.5 | 546.5 | 535.7 | 487.6 | 446.2 | 357.6 |
| Total Liabilities & Equity | 10,806.6 | 10,905.8 | 10,647.1 | 10,900.4 | 7,105.0 | 3,949.2 | 3,478.5 | 3,279.1 | 3,081.1 | 2,951.5 |
| Debt Metrics | ||||||||||
| Total Debt | 40.2 | 70.1 | 159.8 | 173.3 | 212.9 | 66.4 | 66.2 | 4.1 | 8.3 | 36.7 |
| Net Debt | (379.2) | (841.1) | (239.5) | (198.4) | (544.6) | (471.6) | (305.9) | (378.0) | (318.5) | (346.0) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 102.9 | 115.0 | 130.5 | 51.4 | 81.6 | 45.5 | 50.5 | 47.3 | 27.6 | 27.2 |
| Depreciation & Amortization | 29.6 | 32.0 | 34.5 | 14.3 | 7.5 | 7.6 | 5.4 | 4.3 | 4.4 | 4.4 |
| Stock-Based Compensation | 9.2 | 10.8 | 9.9 | 9.0 | 4.0 | 3.4 | 2.4 | 1.6 | 0.3 | 0.0 |
| Change in Working Capital | (31.3) | 5.7 | 18.2 | (11.0) | 6.2 | (19.7) | 1.0 | 0.1 | 2.2 | 1.2 |
| Other Non-Cash Items | (11.6) | (34.1) | (35.1) | 43.4 | 5.3 | 31.2 | (1.6) | (3.2) | (1.9) | 2.6 |
| Operating Cash Flow | 97.0 | 132.6 | 168.2 | 109.1 | 107.4 | 61.1 | 56.1 | 49.3 | 35.6 | 36.0 |
| Investing Activities | ||||||||||
| Capital Expenditure | (4.4) | (4.7) | (6.9) | (3.8) | (2.9) | (7.2) | (2.5) | (1.3) | (1.0) | (1.9) |
| Acquisitions | 0 | 0 | 0 | 370.4 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (6,387.2) | (5,536.7) | (4,093.4) | (2,445.5) | (4,315.9) | (4,362.5) | (655.6) | (496.7) | (355.7) | (406.2) |
| Sales/Maturities of Investments | 5,931.2 | 5,244.4 | 4,530.0 | 2,717.1 | 3,286.4 | 3,997.4 | 656.3 | 484.8 | 338.0 | 341.5 |
| Other Investing Activities | 112.2 | 543.1 | (134.5) | (564.4) | 277.6 | (588.8) | (187.9) | (134.6) | (166.7) | (64.9) |
| Investing Cash Flow | (348.2) | 246.1 | 295.3 | 73.8 | (754.8) | (961.1) | (189.7) | (147.7) | (185.4) | (131.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (30) | (90) | (14) | (26) | (65.6) | (0.5) | 50 | 0 | (27.7) | (3.3) |
| Stock Repurchased | (73.4) | (2.8) | (0.1) | (23.6) | (5.7) | (18.6) | (0.0) | 0 | 0 | (11.1) |
| Dividends Paid | (29.3) | (28.3) | (27.7) | (15.4) | (9.7) | (10.0) | (8.8) | (5.0) | (4.4) | (4.4) |
| Other Financing Activities | (106.9) | 254.4 | (394.2) | (503.6) | 1,063.1 | 1,003.0 | 82.4 | 159.3 | 54.3 | 61.5 |
| Financing Cash Flow | (240.5) | 133.3 | (435.9) | (568.6) | 982.2 | 976.6 | 123.6 | 154.3 | 93.9 | 42.7 |
| Cash Position | ||||||||||
| Net Change in Cash | (491.8) | 512.0 | 27.5 | (385.8) | 334.7 | 76.5 | (10.0) | 55.9 | (55.9) | (52.8) |
| Cash at Beginning | 911.2 | 399.2 | 371.7 | 757.5 | 422.8 | 346.2 | 382.1 | 326.2 | 382.1 | 434.9 |
| Cash at End | 419.5 | 911.2 | 399.2 | 371.7 | 757.5 | 422.8 | 372.1 | 382.1 | 326.2 | 382.1 |
| Free Cash Flow | 92.6 | 128.0 | 161.4 | 105.3 | 104.4 | 53.9 | 53.6 | 48.0 | 35.6 | 36.0 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 596.3 | 625.4 | 615.4 | 343.3 | 261.7 | 249.9 | 170.6 | 148.7 | 129.2 | 123.7 | 117.5 |
| Gross Profit | 413.3 | 433.9 | 452.4 | 258.6 | 239.4 | 183.5 | 150.8 | 139.4 | 120.7 | 110.7 | 102.9 |
| Operating Income | 127.8 | 145.0 | 161.9 | 62.5 | 99.9 | 56.0 | 62.1 | 58.7 | 44.0 | 39.2 | 34.9 |
| Net Income | 102.9 | 115.0 | 130.5 | 51.4 | 81.6 | 45.5 | 50.5 | 47.3 | 27.6 | 27.2 | 24.1 |
| EPS (Diluted) | 1.99 | 2.15 | 2.45 | 1.47 | 2.82 | 1.06 | 2.02 | 1.89 | 1.22 | 1.22 | 1.08 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 419.5 | 911.2 | 399.2 | 371.7 | 757.5 | 538.0 | 372.1 | 382.1 | 326.2 | 382.7 | |
| Total Assets | 10,806.6 | 10,905.8 | 10,647.1 | 10,900.4 | 7,105.0 | 3,949.2 | 3,478.5 | 3,279.1 | 3,081.1 | 2,951.5 | |
| Total Debt | 40.2 | 70.1 | 159.8 | 173.3 | 212.9 | 66.4 | 66.2 | 4.1 | 8.3 | 36.7 | |
| Stockholders' Equity | 1,668.7 | 1,607.9 | 1,521.0 | 1,383.2 | 816.5 | 546.5 | 535.7 | 487.6 | 446.2 | 357.6 | |
| Cash Flow | |||||||||||
| Operating Cash Flow | 97.0 | 132.6 | 168.2 | 109.1 | 107.4 | 61.1 | 56.1 | 49.3 | 35.6 | 36.0 | |
| Capital Expenditure | (4.4) | (4.7) | (6.9) | (3.8) | (2.9) | (7.2) | (2.5) | (1.3) | (1.0) | (1.9) | |
| Free Cash Flow | 92.6 | 128.0 | 161.4 | 105.3 | 104.4 | 53.9 | 53.6 | 48.0 | 35.6 | 36.0 | |