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Price (delayed)
$31.01
Market cap
$1.66B
P/E Ratio
14.16
Dividend/share
$0.52
EPS
$2.19
Enterprise value
$1.31B
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 26% more than its last 4 quarters average of 11.2 and 10% more than its 5-year quarterly average of 12.9
Key stats
What are the main financial stats of STEL
Market
Valuations
Earnings
Shares outstanding
53.4M
Market cap
$1.66B
Enterprise value
$1.31B
Price to earnings (P/E)
14.16
Price to book (P/B)
1.02
Price to sales (P/S)
3.79
EV/EBIT
8.91
EV/EBITDA
7.29
EV/Sales
2.99
Revenue
$438.64M
EBIT
$147.01M
EBITDA
$179.67M
Free cash flow
$164.99M
Per share
Balance sheet
Liquidity
EPS
$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
1.68%
DPS
$0.52
Payout ratio
23.7%
STEL stock price
How has the Stellar Bancorp stock price performed over time
Intraday
4.41%
1 week
3.64%
1 month
18.36%
1 year
31.07%
YTD
11.39%
QTD
19.78%
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
14.16
P/B
1.02
P/S
3.79
EV/EBIT
8.91
EV/EBITDA
7.29
EV/Sales
2.99
The company's EPS rose by 29% YoY and by 2.3% QoQ
STEL's P/E is 26% more than its last 4 quarters average of 11.2 and 10% more than its 5-year quarterly average of 12.9
STEL's P/B is 13% above its last 4 quarters average of 0.9 but 7% below its 5-year quarterly average of 1.1
STEL's equity is up by 11% year-on-year and by 3.9% since the previous quarter
The stock's price to sales (P/S) is 22% more than its last 4 quarters average of 3.1 and 11% more than its 5-year quarterly average of 3.4
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
$0.52
Dividend yield
1.68%
Payout ratio
23.7%
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.