Stellar Bancorp, Inc.STELEarnings & Financial Report
Stellar Bancorp, Inc. is a United States-based financial holding company that operates via its wholly-owned banking subsidiary. It provides a full suite of retail and commercial banking services, including deposit products, personal and commercial loans, mortgage services, and wealth management solutions, serving individual consumers, small businesses, and regional corporate clients.
Revenue
$105.6M
Gross Profit
N/A
Operating Profit
$32.2M
Net Profit
$25.7M
Gross Margin
N/A
Operating Margin
30.5%
Net Margin
24.3%
YoY Growth
-2.0%
EPS
$0.50
Stellar Bancorp, Inc. Q3 FY2025 Financial Summary
Stellar Bancorp, Inc. reported revenue of $105.6M (down 2.0% YoY) for Q3 FY2025, with a net profit of $25.7M (down 24.3% YoY) (24.3% margin).
Key Financial Metrics
| Total Revenue | $105.6M |
|---|---|
| Net Profit | $25.7M |
| Gross Margin | N/A |
| Operating Margin | 30.5% |
| Report Period | Q3 FY2025 |
Stellar Bancorp, Inc. Annual Revenue by Year
Stellar Bancorp, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $423.4M).
| Year | Annual Revenue |
|---|---|
| 2025 | $423.4M |
| 2024 | $431.0M |
| 2023 | $6.1M |
Stellar Bancorp, Inc. Quarterly Revenue & Net Profit History
Stellar Bancorp, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $108.9M | +0.8% | $26.1M | 24.0% |
| Q3 FY2025 | $105.6M | -2.0% | $25.7M | 24.3% |
| Q2 FY2025 | $104.1M | -2.5% | $26.4M | 25.3% |
| Q1 FY2025 | $104.8M | -3.4% | $24.7M | 23.6% |
| Q4 FY2024 | $108.0M | -4.3% | $25.2M | 23.3% |
| Q3 FY2024 | $107.8M | -3.2% | $33.9M | 31.4% |
| Q2 FY2024 | $106.8M | -6.1% | $29.8M | 27.9% |
| Q1 FY2024 | $108.4M | -12.1% | $26.1M | 24.1% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $108.4M | $106.8M | $107.8M | $108.0M | $104.8M | $104.1M | $105.6M | $108.9M |
| YoY Growth | -12.1% | -6.1% | -3.2% | -4.3% | -3.4% | -2.5% | -2.0% | 0.8% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $10.73B | $10.72B | $10.63B | $10.91B | $10.43B | $10.49B | $10.63B | $10.81B |
| Liabilities | $9.20B | $9.16B | $9.00B | $9.30B | $8.82B | $8.89B | $8.97B | $9.14B |
| Equity | $1.53B | $1.57B | $1.63B | $1.61B | $1.61B | $1.60B | $1.65B | $1.67B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $31.1M | $38.1M | $59.5M | $132.6M | $-5.7M | $25.8M | $63.6M | $97.0M |