STEL Stellar Bancorp Inc
- Stocks
- Financial Services
- NASDAQ: STEL
Price (delayed)
$30.51
Market cap
$1.57B
P/E Ratio
14.74
Dividend/share
$0.55
EPS
$2.07
Enterprise value
$1.13B
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 60% year-on-year and by 26% since the previous quarter
STEL's equity is up by 2.4% year-on-year
STEL's P/E is 15% more than its 5-year quarterly average of 12.9 and 15% more than its last 4 quarters average of 12.9
The company's EPS fell by 3.3% YoY and by 2.4% QoQ
Key stats
What are the main financial stats of STEL
Market
Valuations
Earnings
Shares outstanding
51.35M
Market cap
$1.57B
Enterprise value
$1.13B
Price to earnings (P/E)
14.74
Price to book (P/B)
0.98
Price to sales (P/S)
3.7
EV/EBIT
8.15
EV/EBITDA
6.67
EV/Sales
2.66
Revenue
$425.01M
Gross profit
$425.01M
Operating income
$138.51M
Net income
$110.16M
EBIT
$138.51M
EBITDA
$169.28M
Free cash flow
$91.01M
Per share
Balance sheet
Liquidity
EPS
$2.07
EPS diluted
$2.07
Free cash flow per share
$1.77
Book value per share
$31.16
Revenue per share
$8.26
TBVPS
$192.61
Total assets
$10.49B
Total liabilities
$8.89B
Debt
$140.09M
Equity
$1.6B
Working capital
N/A
Debt to equity
0.09
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.59
Margins
Efficiency
Dividend
EBITDA margin
39.8%
Gross margin
100%
Net margin
25.9%
Operating margin
32.6%
Return on assets
1%
Return on equity
6.8%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
32.6%
Dividend yield
1.8%
DPS
$0.55
Payout ratio
26.6%
STEL stock price
How has the Stellar Bancorp stock price performed over time
Intraday
-0.26%
1 week
-4.98%
1 month
9.04%
1 year
11.03%
YTD
7.62%
QTD
9.04%
Financial performance
How have Stellar Bancorp's revenue and profit performed over time
Revenue
$425.01M
Gross profit
$425.01M
Operating income
$138.51M
Net income
$110.16M
Gross margin
100%
Net margin
25.9%
STEL's operating income is down by 3.2% since the previous quarter and by 2.9% year-on-year
The net income has declined by 3.4% year-on-year and by 3% since the previous quarter
STEL's revenue is down by 2.1% YoY
STEL's gross profit is down by 2.1% year-on-year
Price vs fundamentals
How does STEL's price correlate with its fundamentals
Growth
What is Stellar Bancorp's growth rate over time
Valuation
What is Stellar Bancorp stock price valuation
P/E
14.74
P/B
0.98
P/S
3.7
EV/EBIT
8.15
EV/EBITDA
6.67
EV/Sales
2.66
STEL's P/E is 15% more than its 5-year quarterly average of 12.9 and 15% more than its last 4 quarters average of 12.9
The company's EPS fell by 3.3% YoY and by 2.4% QoQ
STEL's P/B is 9% above its last 4 quarters average of 0.9 but 2% below its 5-year quarterly average of 1.0
STEL's equity is up by 2.4% year-on-year
The stock's price to sales (P/S) is 12% more than its 5-year quarterly average of 3.3 and 9% more than its last 4 quarters average of 3.4
STEL's revenue is down by 2.1% YoY
Efficiency
How efficient is Stellar Bancorp business performance
Stellar Bancorp's ROA has decreased by 9% from the previous quarter and by 9% YoY
STEL's ROE is down by 9% YoY and by 4.2% QoQ
The ROIC has increased by 7% year-on-year
Dividends
What is STEL's dividend history
DPS
$0.55
Dividend yield
1.8%
Payout ratio
26.6%
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 2.9% YoY
STEL's total assets is down by 2.2% year-on-year
STEL's debt is 91% smaller than its equity
STEL's debt has dropped by 60% year-on-year and by 26% since the previous quarter
The company's debt to equity has shrunk by 59% YoY and by 25% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.