Name: Stellar Bancorp, Inc. (STEL) Financial Statements
Creator: FinSpry

Stellar Bancorp Income Statement Analysis

Revenue, earnings, and profit margins in millions USD

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Stellar Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018
Revenue & Gross Profit
Revenue	413.25	431.04	452.38	309.31	239.45	183.47	154.62	138.91
Cost of Revenue	183.01	191.53	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	413.25	433.92	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	186.43	177.05	171.69	114.93	91.87	56.92	58.05	61.18
Operating Expenses	285.47	288.96	0.00	0.00	0.00	0.00	0.00	0.00
Operating Income	127.78	144.96	0.00	0.00	0.00	0.00	0.00	0.00
Other Income/Expense
Interest Income	574.47	602.40	590.82	322.99	253.18	138.69	153.40	135.76
Interest Expense	172.85	194.41	154.06	34.04	24.62	10.09	17.41	11.10
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	127.78	144.96	161.88	62.52	99.89	32.40	62.09	58.65
Income Tax Expense	24.91	29.96	31.39	11.09	18.34	10.44	11.57	11.36
Net Income	102.87	115.00	130.50	51.43	81.55	45.53	50.52	47.29
Net Income - Continuous Operations	102.87	115.00	130.50	51.43	81.55	0.00	0.00	0.00
Net Income - Discontinued Operations	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	127.78	176.99	0.00	0.00	0.00	0.00	0.00	0.00
EBIT	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	0.00	53.68	53.99	25.59	7.55	0.85	0.89	0.99
Earnings Per Share
Basic EPS	2.00	2.00	2.00	1.00	3.00	2.00	2.00	2.00
Diluted EPS	2.00	2.00	2.00	1.00	3.00	2.00	2.00	2.00
Basic Shares Outstanding	51.75	53.47	53.23	34.74	28.66	28.96	24.93	24.86
Diluted Shares Outstanding	51.81	53.51	53.31	35.01	28.87	29.14	25.05	25.02