Price (delayed)
$26.31
Market cap
$1.41B
P/E Ratio
12.29
Dividend/share
$0.52
EPS
$2.14
Enterprise value
$1.27B
CBTX, Inc. is the bank holding company for CommunityBank of Texas, N.A., a $3.9 billion asset bank, offering commercial banking solutions to small and mid-sized businesses and professionals in Houston,
Highlights
STEL's revenue is up by 16% YoY
STEL's gross profit is up by 16% year-on-year
The company's EPS rose by 31% YoY but it fell by 4.5% QoQ
The net income has increased by 29% year-on-year but it has declined by 4.5% since the previous quarter
Key stats
What are the main financial stats of STEL
Market
Valuations
Earnings
Shares outstanding
53.57M
Market cap
$1.41B
Enterprise value
$1.27B
Price to earnings (P/E)
12.29
Price to book (P/B)
0.9
Price to sales (P/S)
3.25
EV/EBIT
8.9
EV/EBITDA
7.21
EV/Sales
2.92
Revenue
$433.95M
EBIT
$142.63M
EBITDA
$176M
Free cash flow
$140.85M
Per share
Balance sheet
Liquidity
EPS
$2.14
Free cash flow per share
$2.63
Book value per share
$29.24
Revenue per share
$8.1
TBVPS
$189
Total assets
$10.72B
Total liabilities
$9.16B
Debt
$349.96M
Equity
$1.57B
Working capital
N/A
Debt to equity
0.22
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.8
Margins
Efficiency
Dividend
EBITDA margin
40.6%
Gross margin
100%
Net margin
26.3%
Operating margin
32.9%
Return on assets
1.1%
Return on equity
7.5%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
32.9%
Dividend yield
1.98%
DPS
$0.52
Payout ratio
24.3%
STEL stock price
How has the Stellar Bancorp stock price performed over time
Intraday
-1.09%
1 week
1.43%
1 month
4.4%
1 year
23.7%
YTD
-5.5%
QTD
14.59%
Financial performance
How have Stellar Bancorp's revenue and profit performed over time
Revenue
$433.95M
Gross profit
$433.95M
Operating income
$142.63M
Net income
$114.07M
Gross margin
100%
Net margin
26.3%
STEL's operating income is up by 31% year-on-year but it is down by 3.5% since the previous quarter
The net income has increased by 29% year-on-year but it has declined by 4.5% since the previous quarter
STEL's revenue is up by 16% YoY
STEL's gross profit is up by 16% year-on-year
Growth
What is Stellar Bancorp's growth rate over time
Valuation
What is Stellar Bancorp stock price valuation
P/E
12.29
P/B
0.9
P/S
3.25
EV/EBIT
8.9
EV/EBITDA
7.21
EV/Sales
2.92
The company's EPS rose by 31% YoY but it fell by 4.5% QoQ
STEL's P/E is 9% more than its last 4 quarters average of 11.4 but 4.4% less than its 5-year quarterly average of 13.0
STEL's P/B is 17% below its 5-year quarterly average of 1.1 but 14% above its last 4 quarters average of 0.8
STEL's equity is up by 7% year-on-year and by 2.3% since the previous quarter
STEL's revenue is up by 16% YoY
The stock's price to sales (P/S) is 13% more than its last 4 quarters average of 2.9 but 6% less than its 5-year quarterly average of 3.5
Efficiency
How efficient is Stellar Bancorp business performance
The company's return on sales rose by 13% YoY but it fell by 2.7% QoQ
Stellar Bancorp's ROA has increased by 10% YoY
The ROIC has increased by 8% year-on-year but it has declined by 7% since the previous quarter
STEL's ROE is down by 6% QoQ
Dividends
What is STEL's dividend history
DPS
$0.52
Dividend yield
1.98%
Payout ratio
24.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Stellar Bancorp financials performed over time
STEL's total assets is 17% greater than its total liabilities
STEL's debt is 78% smaller than its equity
The company's debt to equity fell by 33% YoY but it rose by 4.8% QoQ
STEL's debt is down by 27% year-on-year but it is up by 8% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.