STEL Stellar Bancorp Inc
Price (delayed)
$28.75
Market cap
$1.54B
P/E Ratio
13.13
Dividend/share
$0.53
EPS
$2.19
Enterprise value
$1.19B
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 debt has dropped by 61% year-on-year and by 51% since the previous quarter
The company's EPS rose by 29% YoY and by 2.3% QoQ
STEL's P/E is 17% more than its last 4 quarters average of 11.2 and 3.4% more than its 5-year quarterly average of 12.7
Key stats
What are the main financial stats of STEL
Market
Valuations
Earnings
Shares outstanding
53.4M
Market cap
$1.54B
Enterprise value
$1.19B
Price to earnings (P/E)
13.13
Price to book (P/B)
0.95
Price to sales (P/S)
3.51
EV/EBIT
8.09
EV/EBITDA
6.62
EV/Sales
2.71
Revenue
$438.64M
Gross profit
$438.64M
Operating income
$147.01M
Net income
$117.06M
EBIT
$147.01M
EBITDA
$179.67M
Free cash flow
$164.99M
Per share
Balance sheet
Liquidity
EPS
$2.19
EPS diluted
$2.19
Free cash flow per share
$3.08
Book value per share
$30.35
Revenue per share
$8.19
TBVPS
$187.3
Total assets
$10.63B
Total liabilities
$9B
Debt
$170.06M
Equity
$1.63B
Working capital
N/A
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.93
Margins
Efficiency
Dividend
EBITDA margin
41%
Gross margin
100%
Net margin
26.7%
Operating margin
33.5%
Return on assets
1.1%
Return on equity
7.5%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
33.5%
Dividend yield
1.84%
DPS
$0.53
Payout ratio
24.2%
STEL stock price
How has the Stellar Bancorp stock price performed over time
Intraday
0%
1 week
-1.17%
1 month
1.81%
1 year
21.67%
YTD
1.41%
QTD
1.41%
Financial performance
How have Stellar Bancorp's revenue and profit performed over time
Revenue
$438.64M
Gross profit
$438.64M
Operating income
$147.01M
Net income
$117.06M
Gross margin
100%
Net margin
26.7%
STEL's operating income is up by 13% year-on-year and by 3.1% since the previous quarter
The net income has increased by 11% year-on-year and by 2.6% since the previous quarter
The company's operating margin rose by 9% YoY
STEL's net margin is up by 7% year-on-year
Growth
What is Stellar Bancorp's growth rate over time
Valuation
What is Stellar Bancorp stock price valuation
P/E
13.13
P/B
0.95
P/S
3.51
EV/EBIT
8.09
EV/EBITDA
6.62
EV/Sales
2.71
The company's EPS rose by 29% YoY and by 2.3% QoQ
STEL's P/E is 17% more than its last 4 quarters average of 11.2 and 3.4% more than its 5-year quarterly average of 12.7
STEL's equity is up by 11% year-on-year and by 3.9% since the previous quarter
STEL's P/B is 6% above its last 4 quarters average of 0.9 but 5% below its 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 13% more than its last 4 quarters average of 3.1 and 6% more than its 5-year quarterly average of 3.3
STEL's revenue is up by 3.9% YoY
Efficiency
How efficient is Stellar Bancorp business performance
The ROIC has increased by 15% year-on-year and by 7% since the previous quarter
Stellar Bancorp's ROA has increased by 10% YoY
The company's return on sales rose by 9% YoY
STEL's ROE is up by 2.7% YoY
Dividends
What is STEL's dividend history
DPS
$0.53
Dividend yield
1.84%
Payout ratio
24.2%
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 18% greater than its total liabilities
The company's total liabilities fell by 2.2% YoY
STEL's debt is 90% smaller than its equity
The company's debt to equity has shrunk by 67% YoY and by 55% QoQ
STEL's debt has dropped by 61% year-on-year and by 51% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.