Financial Services
Live Price
Offline$38.43
+0.39% today
1Y Change
+37.75%
Window
Jun 23, 2025 → Jun 17, 2026
Coverage: 248 bars · Jun 23, 2025 → Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Stellar Bancorp, Inc. (STEL) is a Financial Services stock with a market cap of $1.91B and listed on NYSE. The stock last traded around $38.43 and up 37.7% across the available one-year price window (Jun 23, 2025 → Jun 17, 2026). Baseline metrics include revenue growth of -4.7%, EPS growth of -7.4%, a dividend yield of 1.5%. What stands out right now is revenue -4.7%, EPS -7.4%, free cash flow -27.6% with operating margin 22.0% and ROIC 5.5%. The dividend is present but secondary, with a yield around 1.5%. Valuation is more restrained than many high-expectation growth names at P/E 18.2 and price/sales 3.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines STEL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
STEL
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
STEL Max Drawdown
-11.68%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for STEL and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$261.7M
-23.8% YoY
FY Net Income
$81.6M
+58.6% YoY
Free Cash Flow
$104.4M
-0.8% YoY
Revenue Growth
-4.7%
EPS Growth
-7.4%
Gross Margin
69.9%
Net Margin
17.8%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 596M | 625M | 615M | 343M | 262M |
| Gross Profit | 413M | 434M | 452M | 259M | 239M |
| Operating Income | 128M | 145M | 162M | 63M | 100M |
| EBITDA | 128M | 177M | 196M | 77M | 107M |
| Net Income | 103M | 115M | 130M | 51M | 82M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 419M | 911M | 399M | 372M | 758M |
| Total Assets | 10.8B | 10.9B | 10.6B | 10.9B | 7.1B |
| Total Liabilities | 9.1B | 9.3B | 9.1B | 9.5B | 6.3B |
| Shareholder Equity | 1.7B | 1.6B | 1.5B | 1.4B | 816M |
| Total Debt | 40M | 70M | 160M | 173M | 213M |
| Net Debt | -379M | -841M | -239M | -198M | -545M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
107M
-1.5% YoY
Capital Expenditures
3M
+23.1% YoY
Free Cash Flow
104M
-0.8% YoY
Key ratios
Gross Margin
69.9%
Operating Margin
22.0%
Net Margin
17.8%
ROE
6.4%
Debt / Equity
0.11x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.