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STEL Stellar Bancorp Inc

Price (delayed)

$27.73

Market cap

$1.48B

P/E Ratio

12.66

Dividend/share

$0.53

EPS

$2.19

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 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 13% more than its last 4 quarters average of 11.2

Key stats

What are the main financial stats of STEL
Market
Shares outstanding
53.4M
Market cap
$1.48B
Enterprise value
$1.13B
Valuations
Price to book (P/B)
0.91
Price to sales (P/S)
3.39
EV/EBIT
7.72
EV/EBITDA
6.32
EV/Sales
2.59
Earnings
Revenue
$438.64M
Gross profit
$438.64M
Net income
$117.06M
EBIT
$147.01M
EBITDA
$179.67M
Free cash flow
$164.99M
Per share
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
Balance sheet
Total assets
$10.63B
Total liabilities
$9B
Debt
$170.06M
Equity
$1.63B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.93
Margins
EBITDA margin
41%
Gross margin
100%
Net margin
26.7%
Operating margin
33.5%
Efficiency
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
Dividend yield
1.91%
DPS
$0.53
Payout ratio
24.2%

STEL stock price

How has the Stellar Bancorp stock price performed over time
Intraday
4.01%
1 week
0.76%
1 month
-9.38%
1 year
5.72%
YTD
-2.19%
QTD
-2.19%

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
12.66
P/B
0.91
P/S
3.39
EV/EBIT
7.72
EV/EBITDA
6.32
EV/Sales
2.59
The company's EPS rose by 29% YoY and by 2.3% QoQ
STEL's P/E is 13% more than its last 4 quarters average of 11.2
STEL's equity is up by 11% year-on-year and by 3.9% since the previous quarter
STEL's P/B is 9% below its 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 9% more than its last 4 quarters average of 3.1 and 2.7% 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
1.91%
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.