Stellar Bancorp, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Stellar Bancorp, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $102.87M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $115.00M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $130.50M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $51.43M | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | $81.55M | Feb 29, 2024 |
| FY2020 | Dec 31, 2020 | $10.24M | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | $6.42M | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | $2.16M | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | $7.54M | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | $12.64M | Feb 26, 2021 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $97.00M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $132.62M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $168.22M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $109.07M | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | $107.38M | Feb 29, 2024 |
| FY2022 | Dec 31, 2020 | $61.06M | Mar 15, 2023 |
| FY2021 | Dec 31, 2019 | $56.09M | Feb 25, 2022 |
| FY2020 | Dec 31, 2018 | $49.32M | Feb 26, 2021 |
| FY2019 | Dec 31, 2017 | $35.59M | Feb 26, 2020 |
| FY2018 | Dec 31, 2016 | $36.04M | Feb 28, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $4.40M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $4.66M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $6.86M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $3.81M | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | $2.93M | Feb 29, 2024 |
| FY2022 | Dec 31, 2020 | $7.18M | Mar 15, 2023 |
| FY2017 | Dec 31, 2017 | $992.0K | Mar 23, 2018 |
| FY2017 | Dec 31, 2016 | $1.88M | Mar 23, 2018 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $10.81B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $10.91B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $10.65B | Mar 3, 2025 |
| FY2023 | Dec 31, 2022 | $10.90B | Feb 29, 2024 |
| FY2022 | Dec 31, 2021 | $7.10B | Mar 15, 2023 |
| FY2021 | Dec 31, 2020 | $3.95B | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $3.48B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $3.28B | Feb 26, 2020 |
| FY2018 | Dec 31, 2017 | $3.08B | Feb 28, 2019 |
| FY2017 | Dec 31, 2016 | $2.95B | Mar 23, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $9.14B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $9.30B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $9.13B | Mar 3, 2025 |
| FY2023 | Dec 31, 2022 | $9.52B | Feb 29, 2024 |
| FY2022 | Dec 31, 2021 | $6.29B | Mar 15, 2023 |
| FY2021 | Dec 31, 2020 | $3.40B | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $2.94B | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $2.79B | Feb 26, 2020 |
| FY2018 | Dec 31, 2017 | $2.63B | Feb 28, 2019 |
| FY2017 | Dec 31, 2016 | $2.59B | Mar 23, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.67B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $1.61B | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $1.52B | Feb 26, 2026 |
| FY2025 | Dec 31, 2022 | $1.38B | Feb 26, 2026 |
| FY2024 | Dec 31, 2021 | $816.47M | Mar 3, 2025 |
| FY2023 | Dec 31, 2020 | $758.67M | Feb 29, 2024 |
| FY2022 | Dec 31, 2019 | $709.87M | Mar 15, 2023 |
| FY2021 | Dec 31, 2018 | $487.63M | Feb 25, 2022 |
| FY2020 | Dec 31, 2017 | $446.21M | Feb 26, 2021 |
| FY2019 | Dec 31, 2016 | $357.64M | Feb 26, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $497.32M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $497.32M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $497.32M | Feb 26, 2026 |
| FY2025 | Dec 31, 2022 | $497.26M | Feb 26, 2026 |
| FY2024 | Dec 31, 2021 | $223.64M | Mar 3, 2025 |
| FY2023 | Dec 31, 2020 | $223.64M | Feb 29, 2024 |
| FY2022 | Dec 31, 2019 | $223.64M | Mar 15, 2023 |
| FY2019 | Dec 31, 2018 | $80.95M | Feb 26, 2020 |
| FY2018 | Dec 31, 2017 | $80.95M | Feb 28, 2019 |
| FY2017 | Dec 31, 2016 | $80.95M | Mar 23, 2018 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $566.22M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $492.64M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $405.95M | Mar 3, 2025 |
| FY2023 | Dec 31, 2022 | $303.15M | Feb 29, 2024 |
| FY2022 | Dec 31, 2021 | $267.09M | Mar 15, 2023 |
| FY2021 | Dec 31, 2020 | $214.46M | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | $201.08M | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | $160.63M | Feb 26, 2020 |
| FY2018 | Dec 31, 2017 | $118.35M | Feb 28, 2019 |
| FY2017 | Dec 31, 2016 | $95.27M | Mar 23, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $419.45M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $911.22M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $399.24M | Mar 3, 2025 |
| FY2023 | Dec 31, 2022 | $371.71M | Feb 29, 2024 |
| FY2022 | Dec 31, 2021 | $757.51M | Mar 15, 2023 |
| FY2017 | Dec 31, 2017 | $326.20M | Mar 23, 2018 |
| FY2017 | Dec 31, 2016 | $382.10M | Mar 23, 2018 |
| FY2017 | Dec 31, 2015 | $434.90M | Mar 23, 2018 |
| FY2017 | Dec 31, 2014 | $490.75M | Mar 23, 2018 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 1 | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Feb 29, 2024 |
| FY2020 | Dec 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | 0 | Feb 26, 2021 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 1 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 2 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 2 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 1 | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | 2 | Feb 29, 2024 |
| FY2020 | Dec 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Sep 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Jun 30, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Mar 31, 2020 | 0 | Feb 26, 2021 |
| FY2020 | Dec 31, 2019 | 0 | Feb 26, 2021 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 50.90M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 53.43M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | 53.29M | Mar 3, 2025 |
| FY2023 | Dec 31, 2022 | 52.95M | Feb 29, 2024 |
| FY2022 | Dec 31, 2021 | 28.85M | Mar 15, 2023 |
| FY2021 | Dec 31, 2020 | 24.61M | Feb 25, 2022 |
| FY2020 | Dec 31, 2019 | 24.98M | Feb 26, 2021 |
| FY2019 | Dec 31, 2018 | 24.91M | Feb 26, 2020 |
| FY2018 | Dec 31, 2017 | 24.83M | Feb 28, 2019 |
| FY2017 | Dec 31, 2016 | 22.06M | Mar 23, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $29.30M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $28.31M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $27.70M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $15.38M | Mar 3, 2025 |
| FY2023 | Dec 31, 2021 | $9.70M | Feb 29, 2024 |
| FY2022 | Dec 31, 2020 | $8.17M | Mar 15, 2023 |
| FY2021 | Dec 31, 2019 | $8.76M | Feb 25, 2022 |
| FY2020 | Dec 31, 2018 | $4.98M | Feb 26, 2021 |
| FY2019 | Dec 31, 2017 | $4.41M | Feb 26, 2020 |
| FY2018 | Dec 31, 2016 | $4.40M | Feb 28, 2019 |