STEL Stellar Bancorp Inc
Price (delayed)
$27.67
Market cap
$1.47B
P/E Ratio
12.87
Dividend/share
$0.54
EPS
$2.15
Enterprise value
$624.02M
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 59% since the previous quarter and by 56% year-on-year
STEL's equity is up by 6% year-on-year
The net income has declined by 12% year-on-year
The company's EPS fell by 12% YoY
Key stats
What are the main financial stats of STEL
Market
Valuations
Earnings
Shares outstanding
52.95M
Market cap
$1.47B
Enterprise value
$624.02M
Price to earnings (P/E)
12.87
Price to book (P/B)
0.92
Price to sales (P/S)
3.41
EV/EBIT
4.3
EV/EBITDA
3.53
EV/Sales
1.44
Revenue
$433.92M
Gross profit
$433.92M
Operating income
$144.96M
Net income
$115M
EBIT
$144.96M
EBITDA
$176.99M
Free cash flow
$135.62M
Per share
Balance sheet
Liquidity
EPS
$2.15
EPS diluted
$2.15
Free cash flow per share
$2.54
Book value per share
$30.11
Revenue per share
$8.13
TBVPS
$193.17
Total assets
$10.91B
Total liabilities
$9.3B
Debt
$70.11M
Equity
$1.61B
Working capital
N/A
Debt to equity
0.04
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.75
Margins
Efficiency
Dividend
EBITDA margin
40.8%
Gross margin
100%
Net margin
26.5%
Operating margin
33.4%
Return on assets
1.1%
Return on equity
7.3%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
33.4%
Dividend yield
1.95%
DPS
$0.54
Payout ratio
25.1%
STEL stock price
How has the Stellar Bancorp stock price performed over time
Intraday
0.47%
1 week
-0.86%
1 month
-4.88%
1 year
18.81%
YTD
-2.4%
QTD
0.04%
Financial performance
How have Stellar Bancorp's revenue and profit performed over time
Revenue
$433.92M
Gross profit
$433.92M
Operating income
$144.96M
Net income
$115M
Gross margin
100%
Net margin
26.5%
The net income has declined by 12% year-on-year
STEL's operating income is down by 10% year-on-year
STEL's net margin is down by 8% year-on-year
The company's operating margin fell by 7% YoY
Growth
What is Stellar Bancorp's growth rate over time
Valuation
What is Stellar Bancorp stock price valuation
P/E
12.87
P/B
0.92
P/S
3.41
EV/EBIT
4.3
EV/EBITDA
3.53
EV/Sales
1.44
The company's EPS fell by 12% YoY
STEL's P/E is 9% more than its last 4 quarters average of 11.7
STEL's P/B is 9% below its 5-year quarterly average of 1.0
STEL's equity is up by 6% year-on-year
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 down by 4.1% YoY
Efficiency
How efficient is Stellar Bancorp business performance
STEL's ROE is down by 18% YoY and by 2.7% QoQ
Stellar Bancorp's ROA has decreased by 8% YoY
The company's return on sales fell by 7% YoY
The ROIC has declined by 6% year-on-year
Dividends
What is STEL's dividend history
DPS
$0.54
Dividend yield
1.95%
Payout ratio
25.1%
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 total assets is up by 2.6% since the previous quarter and by 2.4% year-on-year
The company's total liabilities rose by 3.3% QoQ
STEL's debt is 96% smaller than its equity
The company's debt to equity has shrunk by 64% YoY and by 60% QoQ
STEL's debt has dropped by 59% since the previous quarter and by 56% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.