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Stellarone (STEL) Financials

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$39.32 0.00 (0.00%)
As of 07/1/2026
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Annual Income Statements for Stellarone

Annual Income Statements for Stellarone

This table shows Stellarone's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 24 27 28 47 51 46 82 51 130 115 103
Consolidated Net Income / (Loss)		 24 27 28 47 51 46 82 51 130 115 103
Net Income / (Loss) Continuing Operations		 24 27 28 47 51 46 82 51 130 115 103
Total Pre-Tax Income 		35 39 44 59 62 56 100 63 162 145 128
Total Revenue		 113 117 122 139 155 211 237 309 461 431 423
Net Interest Income / (Expense)		 98 102 108 125 136 203 229 289 437 408 402
Total Interest Income		 106 110 117 136 153 242 253 323 591 602 574
Loans and Leases Interest Income		 101 104 107 124 141 226 231 280 538 532 485
Investment Securities Interest Income		 2.81 3.80 6.09 6.83 6.67 16 22 38 41 53 69
Deposits and Money Market Investments Interest Income		 - - - - 5.33 0.27 0.67 4.76 12 18 21
Total Interest Expense		 7.65 8.41 8.89 11 17 39 25 34 154 194 173
Deposits Interest Expense		 6.50 7.07 7.65 11 16 31 17 27 129 182 167
Long-Term Debt Interest Expense		 1.15 1.33 1.23 0.51 1.41 8.03 7.63 7.07 25 12 6.04
Total Non-Interest Income		 15 16 14 14 19 8.16 8.56 20 25 23 22
Service Charges on Deposit Accounts		 - 6.54 5.80 - - - - 3.69 6.06 6.43 6.28
Other Service Charges		 12 5.93 5.30 2.48 - 5.35 6.15 11 16 13 13
Net Realized & Unrealized Capital Gains on Investments		 1.81 1.92 1.52 - - 0.29 -0.27 4.05 0.39 0.77 -0.30
Other Non-Interest Income		 1.36 1.36 1.58 12 19 2.52 2.69 1.13 2.18 2.41 2.89
Provision for Credit Losses		 6.95 4.58 -0.34 -1.76 2.39 27 -2.32 51 8.94 -2.88 10
Total Non-Interest Expense		 71 74 78 82 90 127 140 196 290 289 285
Salaries and Employee Benefits		 42 44 49 52 56 80 90 108 157 165 169
Net Occupancy & Equipment Expense		 14 14 12 14 14 16 18 22 36 40 41
Marketing Expense		 0.93 0.79 1.46 1.82 1.83 1.57 1.69 2.46 3.63 4.13 4.71
Other Operating Expenses		 12 13 15 14 17 22 20 26 43 48 42
Depreciation Expense		 - - - - - 3.72 4.25 4.95 7.58 7.81 8.06
Amortization Expense		 1.31 1.17 1.08 0.99 0.89 3.92 3.30 9.30 27 24 22
Restructuring Charge		 1.37 - - - - 0.00 2.01 24 16 0.00 0.00
Income Tax Expense		 11 12 16 11 12 10 18 11 31 30 25
Basic Earnings per Share		 $1.07 $1.23 $1.23 $1.90 $2.03 $1.57 $2.85 $1.48 $2.45 $2.15 $1.99
Weighted Average Basic Shares Outstanding		 - 22.05M 22.46M 24.86M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Diluted Earnings per Share		 $1.06 $1.22 $1.22 $1.89 $2.02 $1.56 $2.82 $1.47 $2.45 $2.15 $1.99
Weighted Average Diluted Shares Outstanding		 - 22.05M 22.46M 24.86M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Weighted Average Basic & Diluted Shares Outstanding		 - 22.05M 22.46M 24.86M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.20 $0.20 $0.40 $0.28 $0.34 $0.43 $0.52 $0.53 $0.57

Quarterly Income Statements for Stellarone

This table shows Stellarone's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 31 27 26 30 34 25 25 26 26 26 27
Consolidated Net Income / (Loss)		 31 27 26 30 34 25 25 26 26 26 27
Net Income / (Loss) Continuing Operations		 31 27 26 30 34 25 25 26 26 26 27
Total Pre-Tax Income 		38 34 33 38 43 32 31 33 32 32 33
Total Revenue		 111 113 108 107 108 108 105 104 106 109 111
Net Interest Income / (Expense)		 107 106 102 101 102 103 99 98 101 103 106
Total Interest Income		 151 152 148 152 152 150 142 143 145 144 145
Loans and Leases Interest Income		 139 139 135 136 132 129 121 122 123 120 120
Investment Securities Interest Income		 9.93 10 10 13 15 16 17 16 17 18 20
Deposits and Money Market Investments Interest Income		 2.39 3.02 3.63 3.56 4.69 5.68 4.72 4.78 5.77 5.75 4.88
Total Interest Expense		 45 46 46 51 50 47 43 44 45 41 39
Deposits Interest Expense		 37 40 43 47 48 45 41 43 43 40 38
Long-Term Debt Interest Expense		 7.71 6.14 3.69 3.61 2.76 2.36 1.96 1.81 1.47 0.80 0.90
Total Non-Interest Income		 4.70 6.89 6.30 5.42 6.30 5.03 5.51 5.79 4.99 5.51 5.11
Service Charges on Deposit Accounts		 1.62 1.52 1.60 1.65 1.59 1.59 1.58 1.56 1.55 1.59 1.64
Other Service Charges		 2.52 4.60 3.60 3.24 3.66 2.93 2.89 3.67 3.30 3.06 2.89
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.20 0.51 -0.06 0.43 -0.11 0.42 -0.06 -0.49 -0.17 -0.04
Other Non-Interest Income		 0.55 0.57 0.59 0.59 0.61 0.62 0.61 0.62 0.63 1.03 0.63
Provision for Credit Losses		 2.32 1.05 4.10 -1.94 -5.99 0.94 3.63 1.09 0.31 5.13 2.50
Total Non-Interest Expense		 71 78 71 71 71 75 70 70 73 72 75
Salaries and Employee Benefits		 39 40 41 39 41 44 42 41 43 43 44
Net Occupancy & Equipment Expense		 9.25 9.57 9.28 10 10 9.95 9.61 10 10 11 11
Marketing Expense		 0.88 1.00 0.77 0.89 0.88 1.59 0.78 1.17 1.43 1.33 0.80
Other Operating Expenses		 8.87 16 12 13 11 12 10 10 11 10 9.62
Depreciation Expense		 1.95 1.96 1.96 1.95 1.91 1.98 2.00 1.99 2.02 2.06 1.97
Amortization Expense		 6.88 6.25 6.21 6.22 6.21 5.58 5.55 5.55 5.55 4.93 4.89
Restructuring Charge		 3.42 3.07 - - - - 0.00 - - - 3.31
Income Tax Expense		 7.45 6.56 6.76 7.79 8.84 6.57 6.26 6.68 6.51 5.45 6.41
Basic Earnings per Share		 $0.58 $0.51 $0.49 $0.56 $0.63 $0.47 $0.46 $0.51 $0.50 $0.52 $0.53
Weighted Average Basic Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Diluted Earnings per Share		 $0.58 $0.51 $0.49 $0.56 $0.63 $0.47 $0.46 $0.51 $0.50 $0.52 $0.53
Weighted Average Diluted Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Weighted Average Basic & Diluted Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Cash Dividends to Common per Share		 $0.13 $0.13 $0.13 $0.13 $0.13 $0.14 $0.14 $0.14 $0.14 $0.15 $0.15

Annual Cash Flow Statements for Stellarone

This table details how cash moves in and out of Stellarone's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -56 -53 -56 56 -10 77 335 -386 28 512 -492
Net Cash From Operating Activities		 33 36 36 49 56 61 107 109 168 133 97
Net Cash From Continuing Operating Activities		 33 36 36 49 56 61 107 109 168 133 97
Net Income / (Loss) Continuing Operations		 24 27 28 47 51 46 82 51 130 115 103
Consolidated Net Income / (Loss)		 24 27 28 47 51 46 82 51 130 115 103
Provision For Loan Losses		 6.95 4.58 -0.34 -1.76 2.39 27 -2.32 51 8.94 -2.88 10
Depreciation Expense		 3.64 3.26 3.35 3.31 3.20 7.64 7.55 14 34 32 30
Amortization Expense		 2.21 2.43 2.37 2.08 3.43 1.34 7.31 5.73 -40 -27 -3.06
Non-Cash Adjustments to Reconcile Net Income		 -4.72 -2.62 -2.43 -1.61 -4.38 1.49 9.97 -2.10 16 10 -11
Changes in Operating Assets and Liabilities, net		 0.62 1.19 5.07 0.01 0.94 -22 3.33 -11 18 5.66 -31
Net Cash From Investing Activities		 -89 -132 -185 -148 -190 -961 -755 74 295 246 -348
Net Cash From Continuing Investing Activities		 -89 -132 -185 -148 -190 -961 -755 74 295 246 -348
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - -7.18 -2.93 -3.81 -6.86 -4.66 -4.40
Purchase of Investment Securities		 -452 -485 -576 -647 -881 -4,955 -4,040 -3,012 -4,228 -5,019 -6,284
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 4.03 1.74 2.32 8.98 7.66 9.07
Sale and/or Maturity of Investments		 363 353 391 499 691 3,997 3,286 2,717 4,521 5,262 5,931
Net Cash From Financing Activities		 -0.02 43 94 154 124 977 982 -569 -436 133 -241
Net Cash From Continuing Financing Activities		 -0.02 43 94 154 124 977 982 -569 -436 133 -241
Net Change in Deposits		 -13 57 62 163 86 921 1,059 -504 -394 255 -107
Issuance of Debt		 31 - - 0.00 50 15 - -26 -14 -50 0.00
Repayment of Debt		 -4.03 -3.32 -28 - - 65 -66 0.00 0.00 -40 -30
Repurchase of Common Equity		 -4.42 -11 - 0.00 -0.00 -19 -5.66 -24 0.00 -2.84 -73
Payment of Dividends		 -4.49 -4.40 -4.41 -4.98 -8.76 -8.17 -9.70 -15 -28 -28 -29
Other Financing Activities, Net		 -1.94 4.14 -7.94 1.10 -2.13 - 3.81 0.08 -0.08 -0.50 -0.98

Quarterly Cash Flow Statements for Stellarone

This table details how cash moves in and out of Stellarone's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -1.82 97 0.51 91 26 395 -351 18 150 -309 130
Net Cash From Operating Activities		 39 31 31 38 60 3.88 -5.68 26 64 13 17
Net Cash From Continuing Operating Activities		 39 31 31 38 60 3.88 -5.68 26 64 13 17
Net Income / (Loss) Continuing Operations		 31 27 26 30 34 25 25 26 26 26 27
Consolidated Net Income / (Loss)		 31 27 26 30 34 25 25 26 26 26 27
Provision For Loan Losses		 2.32 1.05 4.10 -1.94 -5.99 0.94 3.63 1.09 0.31 5.13 2.50
Depreciation Expense		 8.83 8.20 8.18 8.16 8.12 7.57 7.54 7.54 7.57 6.99 6.86
Amortization Expense		 3.53 -45 -5.88 10 -24 -7.46 -1.30 -5.69 -5.45 15 -6.33
Non-Cash Adjustments to Reconcile Net Income		 -9.94 31 5.28 -19 24 -0.42 -3.15 0.98 2.59 -18 1.70
Changes in Operating Assets and Liabilities, net		 3.25 8.96 -6.72 11 23 -22 -37 -4.51 33 -22 -15
Net Cash From Investing Activities		 92 161 -110 103 139 114 147 -42 25 -479 32
Net Cash From Continuing Investing Activities		 92 161 -110 103 139 114 147 -42 25 -479 32
Purchase of Property, Leasehold Improvements and Equipment		 -3.14 -1.24 -0.56 -0.99 -1.84 -1.27 -0.77 -1.21 -1.15 -1.27 -0.27
Purchase of Investment Securities		 -536 -3,358 -151 65 -2,299 -2,634 -1,353 -1,562 -1,719 -1,650 -1,525
Sale of Property, Leasehold Improvements and Equipment		 0.03 5.30 1.99 0.02 2.23 3.42 5.82 1.15 1.16 0.94 3.31
Sale and/or Maturity of Investments		 630 3,515 40 39 2,437 2,745 1,495 1,521 1,744 1,171 1,554
Net Cash From Financing Activities		 -132 -95 79 -51 -172 278 -492 34 62 156 82
Net Cash From Continuing Financing Activities		 -132 -95 79 -51 -172 278 -492 34 62 156 82
Net Change in Deposits		 -80 187 -79 -69 17 386 -566 111 144 204 -39
Issuance of Debt		 - - - - - - 120 - - - 135
Repurchase of Common Equity		 - - 0.00 - -2.84 - -39 -21 -5.00 -9.11 -4.17
Payment of Dividends		 -6.93 -6.92 -6.96 -6.94 -6.93 -7.48 -7.27 -7.21 -7.17 -7.65 -7.78
Other Financing Activities, Net		 0.34 -0.77 -0.25 0.47 -0.02 -0.71 -0.80 0.50 0.12 -0.80 -1.81

Annual Balance Sheets for Stellarone

This table presents Stellarone's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,952 3,081 3,279 3,479 3,949 7,105 10,900 10,647 10,906 10,807
Cash and Due from Banks		 53 59 54 51 47 24 67 121 420 94
Interest Bearing Deposits at Other Banks		 329 267 328 321 491 734 305 278 491 325
Trading Account Securities		 206 223 230 231 237 1,774 1,808 1,396 1,673 2,198
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 4,173 7,662 7,833 7,359 7,217
Loans and Leases		 - - - - - 4,220 7,755 7,925 7,440 7,301
Allowance for Loan and Lease Losses		 - - - - - 48 93 92 81 84
Premises and Equipment, Net		 58 54 52 51 61 64 127 119 112 106
Goodwill		 81 81 81 81 81 224 497 497 497 497
Intangible Assets		 7.79 6.77 5.78 4.94 4.17 15 144 117 93 71
Other Assets		 86 102 2,529 2,737 3,006 4,272 292 286 261 297
Total Liabilities & Shareholders' Equity		 2,952 3,081 3,279 3,479 3,949 7,105 10,900 10,647 10,906 10,807
Total Liabilities		 2,594 2,635 2,791 2,943 3,403 6,288 9,517 9,126 9,298 9,138
Non-Interest Bearing Deposits		 1,025 1,110 1,183 1,185 1,476 2,243 4,230 3,547 3,576 3,408
Interest Bearing Deposits		 1,515 1,493 1,583 1,668 1,825 3,805 5,037 5,327 5,552 5,614
Accrued Interest Payable		 - - - - - 1.75 2.10 11 17 5.51
Long-Term Debt		 34 6.73 1.57 50 50 199 173 160 70 40
Other Long-Term Liabilities		 16 24 21 40 51 40 74 82 82 71
Total Equity & Noncontrolling Interests		 358 446 488 536 546 816 1,383 1,521 1,608 1,669
Total Preferred & Common Equity		 358 446 488 536 546 816 1,383 1,521 1,608 1,669
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 358 446 488 536 546 816 1,383 1,521 1,608 1,669
Common Stock		 279 344 345 347 340 531 1,223 1,233 1,241 1,175
Retained Earnings		 95 118 161 201 214 267 303 406 493 566
Accumulated Other Comprehensive Income / (Loss)		 -0.92 -0.39 -2.98 2.39 6.78 18 -143 -118 -125 -73

Quarterly Balance Sheets for Stellarone

This table presents Stellarone's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 10,778 10,665 10,729 10,724 10,630 10,435 10,493 10,628 10,889
Cash and Due from Banks		 106 95 75 110 104 131 136 99 108
Interest Bearing Deposits at Other Banks		 198 207 325 380 412 430 442 629 442
Trading Account Securities		 1,478 1,415 1,523 1,631 1,692 1,719 1,730 1,842 1,865
Loans and Leases, Net of Allowance		 7,969 7,911 7,812 7,619 7,467 7,199 7,204 7,089 7,503
Loans and Leases		 8,069 8,005 7,908 7,714 7,551 7,283 7,287 7,168 7,588
Allowance for Loan and Lease Losses		 100 94 96 95 85 84 83 79 85
Premises and Equipment, Net		 119 119 116 114 114 110 109 108 100
Goodwill		 497 497 497 497 497 497 497 497 497
Intangible Assets		 130 123 111 104 98 87 81 76 66
Other Assets		 8,250 8,209 271 268 246 261 294 287 309
Total Liabilities & Shareholders' Equity		 10,778 10,665 10,729 10,724 10,630 10,435 10,493 10,628 10,889
Total Liabilities		 9,320 9,205 9,199 9,158 9,004 8,824 8,889 8,975 9,222
Non-Interest Bearing Deposits		 3,714 3,656 3,323 3,308 3,303 3,206 3,184 3,211 3,211
Interest Bearing Deposits		 5,053 5,030 5,472 5,417 5,440 5,357 5,490 5,607 5,771
Accrued Interest Payable		 4.56 7.61 12 12 17 9.86 7.61 9.43 5.24
Long-Term Debt		 480 434 325 350 170 190 140 70 175
Other Long-Term Liabilities		 69 77 67 70 74 61 68 78 59
Total Equity & Noncontrolling Interests		 1,459 1,461 1,531 1,566 1,626 1,611 1,604 1,653 1,668
Total Preferred & Common Equity		 1,459 1,461 1,531 1,566 1,626 1,611 1,604 1,653 1,668
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,459 1,461 1,531 1,566 1,626 1,611 1,604 1,653 1,668
Common Stock		 1,229 1,232 1,236 1,239 1,239 1,203 1,186 1,183 1,171
Retained Earnings		 362 386 425 448 475 510 529 548 585
Accumulated Other Comprehensive Income / (Loss)		 -132 -157 -130 -121 -88 -102 -111 -78 -89

Annual Metrics And Ratios for Stellarone

This table displays calculated financial ratios and metrics derived from Stellarone's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.07 $1.23 $1.23 $1.90 $2.03 $1.06 $1.46 $1.48 $2.45 $2.15 $1.99
Adjusted Weighted Average Basic Shares Outstanding		 0.00 22.05M 25.94M 26.00M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Adjusted Diluted Earnings per Share		 $1.06 $1.22 $1.22 $1.89 $2.02 $1.06 $1.45 $1.47 $2.45 $2.15 $1.99
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 22.05M 25.94M 26.00M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 22.05M 25.94M 26.00M 25.20M 24.59M 24.61M 52.97M 53.30M 52.95M 50.77M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Stellarone

This table displays calculated financial ratios and metrics derived from Stellarone's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 53,308,244.00 53,262,213.00 53,297,191.00 53,556,949.00 53,574,833.00 53,402,953.00 52,950,142.00 51,473,176.00 51,352,644.00 - 50,772,216.00
DEI Adjusted Shares Outstanding		 53,308,244.00 53,262,213.00 53,297,191.00 53,556,949.00 53,574,833.00 53,402,953.00 52,950,142.00 51,473,176.00 51,352,644.00 - 50,772,216.00
DEI Earnings Per Adjusted Shares Outstanding		 0.58 0.51 0.49 0.56 0.63 0.47 0.47 0.51 0.50 - 0.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 74.95% -10.64% -12.09% -6.10% -3.24% -4.28% -3.37% -2.53% -2.02% - 5.99%
EBITDA Growth		 130.96% -138.42% -22.76% -10.99% -47.81% 1,304.06% -9.63% -37.93% 29.58% - -8.87%
EBIT Growth		 116.78% 1,744.49% -30.08% -11.95% 11.41% -6.05% -5.90% -12.02% -24.68% - 7.80%
NOPAT Growth		 116.35% 1,228.75% -29.61% -15.41% 9.65% -7.53% -5.53% -11.43% -24.26% - 9.17%
Net Income Growth		 116.35% 1,228.75% -29.61% -15.41% 9.65% -7.53% -5.53% -11.43% -24.26% - 9.17%
EPS Growth		 16.00% 321.74% -30.00% -15.15% 8.62% -7.84% -6.12% -8.93% -20.63% - 15.22%
Operating Cash Flow Growth		 16.95% -10.35% -36.55% -22.17% 53.03% -87.62% -118.26% -32.42% 6.89% - 390.69%
Free Cash Flow Firm Growth		 -1,168.75% 82.00% 97.02% 103.79% 109.70% 128.88% 327.86% 279.65% -25.47% - -119.11%
Invested Capital Growth		 277.82% 7.99% 3.40% -1.16% -5.19% -0.17% -2.95% -8.97% -4.06% - 2.34%
Revenue Q/Q Growth		 -2.06% 1.26% -3.90% -1.46% 0.92% 0.17% -2.99% -0.61% 1.44% - 1.97%
EBITDA Q/Q Growth		 -19.67% -106.46% 1,174.54% 59.63% -52.90% -24.02% -19.35% 9.65% -1.66% - -36.46%
EBIT Q/Q Growth		 -10.06% -11.80% -2.73% 14.10% 13.80% -25.62% -2.57% 6.68% -2.57% - 5.63%
NOPAT Q/Q Growth		 -12.13% -11.78% -4.10% 13.79% 13.91% -25.61% -2.02% 6.68% -2.59% - 3.13%
Net Income Q/Q Growth		 -12.13% -11.78% -4.10% 13.79% 13.91% -25.61% -2.02% 6.68% -2.59% - 3.13%
EPS Q/Q Growth		 -12.12% -12.07% -3.92% 14.29% 12.50% -25.40% -2.13% 10.87% -1.96% - 1.92%
Operating Cash Flow Q/Q Growth		 -20.57% -19.46% -0.73% 22.55% 56.19% -93.49% -246.44% 553.55% 147.03% - 24.14%
Free Cash Flow Firm Q/Q Growth		 1.03% 92.88% 64.11% 249.86% 153.23% -78.80% 183.18% 149.69% -50.29% - -218.12%
Invested Capital Q/Q Growth		 -2.26% -11.28% 10.40% 3.24% -6.24% -6.58% 7.33% -3.16% -1.18% - 7.85%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.52% -2.90% 32.47% 52.60% 24.55% 36.53% 30.37% 33.50% 32.47% - 30.54%
EBIT Margin		 34.42% 29.99% 30.35% 35.15% 39.63% 29.43% 29.56% 31.72% 30.47% - 30.06%
Profit (Net Income) Margin		 27.74% 24.17% 24.12% 27.85% 31.44% 23.35% 23.58% 25.31% 24.30% - 24.28%
Tax Burden Percent		 80.59% 80.60% 79.46% 79.25% 79.32% 79.33% 79.77% 79.78% 79.76% - 80.78%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 19.41% 19.40% 20.54% 20.75% 20.68% 20.67% 20.23% 20.22% 20.24% - 19.22%
Return on Invested Capital (ROIC)		 10.99% 6.89% 5.90% 6.35% 7.43% 5.99% 5.51% 5.87% 5.83% - 5.73%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.99% 6.89% 5.90% 6.35% 7.43% 5.99% 5.51% 5.87% 5.83% - 5.73%
Return on Net Nonoperating Assets (RNNOA)		 2.43% 0.79% 1.33% 1.74% 1.45% 0.44% 0.90% 0.91% 0.43% - 0.64%
Return on Equity (ROE)		 13.42% 7.68% 7.23% 8.09% 8.88% 6.43% 6.42% 6.78% 6.26% - 6.37%
Cash Return on Invested Capital (CROIC)		 -107.50% 0.38% 3.21% 7.08% 11.67% 7.02% 9.20% 15.41% 9.93% - 3.46%
Operating Return on Assets (OROA)		 2.19% 1.28% 1.27% 1.44% 1.62% 1.18% 1.19% 1.27% 1.21% - 1.21%
Return on Assets (ROA)		 1.76% 1.03% 1.01% 1.14% 1.29% 0.93% 0.95% 1.01% 0.97% - 0.98%
Return on Common Equity (ROCE)		 13.42% 7.68% 7.23% 8.09% 8.88% 6.43% 6.42% 6.78% 6.26% - 6.37%
Return on Equity Simple (ROE_SIMPLE)		 7.21% 0.00% 7.81% 7.29% 7.20% 0.00% 7.05% 6.87% 6.17% - 6.30%
Net Operating Profit after Tax (NOPAT)		 31 27 26 30 34 25 25 26 26 - 27
NOPAT Margin		 27.74% 24.17% 24.12% 27.85% 31.44% 23.35% 23.58% 25.31% 24.30% - 24.28%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
SG&A Expenses to Revenue		 44.54% 45.24% 47.43% 46.76% 48.49% 51.25% 49.81% 50.05% 52.07% - 49.87%
Operating Expenses to Revenue		 63.50% 69.09% 65.87% 66.67% 65.92% 69.70% 66.98% 67.23% 69.24% - 67.69%
Earnings before Interest and Taxes (EBIT)		 38 34 33 38 43 32 31 33 32 - 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 51 -3.28 35 56 26 39 32 35 34 - 34
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.95 0.83 0.77 0.84 0.94 0.91 0.90 0.94 - 1.11
Price to Tangible Book Value (P/TBV)		 1.32 1.60 1.38 1.25 1.32 1.49 1.43 1.41 1.44 - 1.68
Price to Revenue (P/Rev)		 2.34 3.15 2.85 2.74 3.12 3.51 3.43 3.39 3.69 - 4.33
Price to Earnings (P/E)		 10.57 11.13 10.64 10.57 11.62 13.16 12.90 13.07 15.28 - 17.68
Dividend Yield		 3.11% 1.91% 2.18% 2.31% 2.05% 1.87% 1.95% 1.97% 1.85% - 1.58%
Earnings Yield		 9.46% 8.99% 9.39% 9.46% 8.60% 7.60% 7.75% 7.65% 6.54% - 5.66%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.72 0.65 0.56 0.56 0.40 0.61 0.57 0.52 - 0.81
Enterprise Value to Revenue (EV/Rev)		 2.62 2.63 2.68 2.42 2.33 1.56 2.56 2.36 2.13 - 3.45
Enterprise Value to EBITDA (EV/EBITDA)		 7.79 7.77 8.21 7.67 8.85 3.68 6.10 6.34 5.42 - 9.83
Enterprise Value to EBIT (EV/EBIT)		 9.58 7.49 8.10 7.47 6.90 4.64 7.65 7.24 7.03 - 11.40
Enterprise Value to NOPAT (EV/NOPAT)		 11.82 9.29 10.02 9.34 8.67 5.85 9.63 9.10 8.83 - 14.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.24 7.21 7.96 7.64 6.34 5.07 11.42 12.00 10.27 - 12.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 196.13 20.46 7.80 4.71 5.71 6.50 3.55 5.15 - 23.56
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.30 0.11 0.21 0.22 0.10 0.04 0.12 0.09 0.04 - 0.11
Long-Term Debt to Equity		 0.30 0.11 0.21 0.22 0.10 0.04 0.12 0.09 0.04 - 0.11
Financial Leverage		 0.22 0.11 0.23 0.27 0.20 0.07 0.16 0.15 0.07 - 0.11
Leverage Ratio		 7.61 7.42 7.17 7.11 6.90 6.89 6.74 6.69 6.48 - 6.50
Compound Leverage Factor		 7.61 7.42 7.17 7.11 6.90 6.89 6.74 6.69 6.48 - 6.50
Debt to Total Capital		 22.89% 9.51% 17.51% 18.27% 9.47% 4.18% 10.55% 8.03% 4.07% - 9.51%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 22.89% 9.51% 17.51% 18.27% 9.47% 4.18% 10.55% 8.03% 4.07% - 9.51%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 77.11% 90.49% 82.49% 81.73% 90.53% 95.82% 89.45% 91.97% 95.93% - 90.49%
Debt to EBITDA		 2.72 1.02 2.23 2.52 1.48 0.38 1.06 0.89 0.42 - 1.16
Net Debt to EBITDA		 0.82 -1.53 -0.51 -1.01 -3.02 -4.60 -2.07 -2.77 -3.97 - -2.48
Long-Term Debt to EBITDA		 2.72 1.02 2.23 2.52 1.48 0.38 1.06 0.89 0.42 - 1.16
Debt to NOPAT		 4.12 1.22 2.72 3.07 1.45 0.61 1.67 1.27 0.69 - 1.67
Net Debt to NOPAT		 1.25 -1.84 -0.63 -1.23 -2.96 -7.31 -3.26 -3.98 -6.46 - -3.56
Long-Term Debt to NOPAT		 4.12 1.22 2.72 3.07 1.45 0.61 1.67 1.27 0.69 - 1.67
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -1,362 -97 -35 52 132 28 79 198 99 - -15
Operating Cash Flow to CapEx		 1,251.17% 0.00% 0.00% 3,933.23% 0.00% 0.00% 0.00% 40,245.31% 0.00% - 0.00%
Free Cash Flow to Firm to Interest Expense		 -30.58 -2.10 -0.75 1.03 2.63 0.60 1.84 4.47 2.20 - -0.39
Operating Cash Flow to Interest Expense		 0.87 0.68 0.67 0.75 1.18 0.08 -0.13 0.58 1.42 - 0.42
Operating Cash Flow Less CapEx to Interest Expense		 0.80 0.77 0.70 0.73 1.19 0.13 -0.01 0.58 1.42 - 0.50
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04
Fixed Asset Turnover		 5.43 3.76 3.71 3.77 3.74 3.74 3.79 3.82 3.81 - 4.10
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,894 1,681 1,856 1,916 1,796 1,678 1,801 1,744 1,723 - 1,843
Invested Capital Turnover		 0.40 0.29 0.24 0.23 0.24 0.26 0.23 0.23 0.24 - 0.24
Increase / (Decrease) in Invested Capital		 1,393 124 61 -22 -98 -2.82 -55 -172 -73 - 42
Enterprise Value (EV)		 1,244 1,212 1,197 1,065 1,014 673 1,094 1,002 900 - 1,484
Market Capitalization		 1,113 1,452 1,272 1,206 1,361 1,514 1,465 1,440 1,558 - 1,859
Book Value per Share		 $27.40 $28.56 $28.72 $29.24 $30.35 $30.11 $30.42 $31.16 $32.19 - $32.85
Tangible Book Value per Share		 $15.77 $17.03 $17.32 $18.00 $19.24 $19.06 $19.39 $19.91 $21.03 - $21.75
Total Capital		 1,894 1,681 1,856 1,916 1,796 1,678 1,801 1,744 1,723 - 1,843
Total Debt		 434 160 325 350 170 70 190 140 70 - 175
Total Long-Term Debt		 434 160 325 350 170 70 190 140 70 - 175
Net Debt		 131 -239 -75 -140 -346 -841 -371 -438 -658 - -374
Capital Expenditures (CapEx)		 3.11 -4.06 -1.43 0.97 -0.40 -2.14 -5.05 0.06 -0.02 - -3.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 434 160 325 350 170 70 190 140 70 - 175
Total Depreciation and Amortization (D&A)		 12 -37 2.30 19 -16 7.66 0.85 1.85 2.12 - 0.53
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.58 $0.51 $0.49 $0.56 $0.63 $0.47 $0.46 $0.51 $0.50 $0.52 $0.53
Adjusted Weighted Average Basic Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Adjusted Diluted Earnings per Share		 $0.58 $0.51 $0.49 $0.56 $0.63 $0.47 $0.46 $0.51 $0.50 $0.52 $0.53
Adjusted Weighted Average Diluted Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 53.26M 53.30M 53.56M 53.57M 53.40M 52.95M 51.47M 51.35M 51.19M 50.77M 50.92M
Normalized Net Operating Profit after Tax (NOPAT)		 34 30 26 30 34 25 25 26 26 - 30
Normalized NOPAT Margin		 30.22% 26.36% 24.12% 27.85% 31.44% 23.35% 23.58% 25.31% 24.30% - 26.69%
Pre Tax Income Margin		 34.42% 29.99% 30.35% 35.15% 39.63% 29.43% 29.56% 31.72% 30.47% - 30.06%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.86 0.73 0.71 0.74 0.85 0.68 0.72 0.74 0.72 - 0.85
NOPAT to Interest Expense		 0.69 0.59 0.56 0.59 0.67 0.54 0.57 0.59 0.57 - 0.69
EBIT Less CapEx to Interest Expense		 0.79 0.82 0.74 0.72 0.86 0.72 0.84 0.74 0.72 - 0.93
NOPAT Less CapEx to Interest Expense		 0.62 0.68 0.60 0.57 0.68 0.58 0.69 0.59 0.57 - 0.77
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.27% 21.23% 23.21% 24.32% 23.71% 24.62% 25.20% 26.23% 28.57% - 28.35%
Augmented Payout Ratio		 26.27% 21.23% 23.21% 24.32% 26.14% 27.09% 61.70% 82.59% 91.59% - 65.37%

Financials Breakdown Chart

Key Financial Trends

Stellar Bancorp (NYSE: STEL) showed a solid start to 2026, with earnings holding up well and the balance sheet still anchored by a large loan book and substantial liquidity. Compared with the same quarter a year ago, quarterly net income improved modestly, revenue was fairly stable, and the company generated strong operating cash flow. That said, the bank is still dealing with some pressure points, including rising funding costs, restructuring charges, and a balance sheet that relies heavily on deposits.

What stands out most over the last several quarters:

  • Q1 2026 net income rose to $27.0 million, up from $24.7 million in Q1 2025.
  • Net interest income improved to $105.9 million in Q1 2026 from $99.3 million a year earlier, helped by stronger earning asset yields.
  • Non-interest income improved year over year in Q1 2026 to $5.1 million from $5.5 million in Q4 2025, and stayed above most 2024 quarters.
  • Operating cash flow was strong in Q1 2026 at $16.5 million, after $13.3 million in Q4 2025 and $25.8 million in Q2 2025.
  • The company ended Q1 2026 with $10.9 billion in total assets and $1.67 billion in common equity, showing a sizable capital base.
  • Deposits improved in Q1 2026, with a $39.5 million net increase in deposits, following a better trend than Q1 2025’s large outflow.
  • Basic EPS held at $0.53 in Q1 2026, up from $0.46 in Q1 2025.
  • Loan balances rose to $7.59 billion in Q1 2026 from $7.29 billion in Q2 2025, but they are still below the Q1 2024 level of $7.91 billion.
  • The company continued to return capital, paying a $0.15 quarterly dividend per share in Q1 2026 while also repurchasing stock.
  • Non-interest expense remained elevated at $75.2 million in Q1 2026, including a $3.3 million restructuring charge.
  • Funding costs remain high: Q1 2026 deposit interest expense was $38.3 million, limiting margin expansion.
  • The allowance for loan and lease losses fell to $85.4 million in Q1 2026 from $94.8 million in Q2 2024, which may be worth watching if credit quality weakens.

Trend in profitability: Stellar Bancorp’s quarterly earnings have generally stayed in a fairly tight band over the past four years, with net income often landing between the mid-$20 million and mid-$30 million range. The bank’s most recent quarter was solid, but not dramatically better than the prior year. In other words, the story is one of steady profitability rather than rapid growth.

Revenue and margin trends: Total revenue in Q1 2026 was $111.0 million, up slightly from $104.8 million in Q1 2025. Net interest income remains the main engine of results, and it has improved from the weaker 2025 quarters. However, deposit costs are still high, which suggests the bank’s net interest margin may be under pressure from a competitive rate environment.

Expense discipline is mixed: Salaries and benefits, occupancy, and other operating expenses have generally been manageable, but total non-interest expense remains large relative to revenue. The restructuring charge in Q1 2026 is a reminder that management is still adjusting the cost structure, which can support future efficiency but also creates near-term volatility.

Balance sheet and liquidity: The balance sheet looks broadly stable. Cash, interest-bearing deposits at other banks, and investment securities continue to provide liquidity, while loan balances have gradually expanded from the 2025 lows. Deposits remain the key funding source, and the swings in deposit levels over the last several quarters show that funding mix is something investors should keep watching closely.

Bottom line: Stellar Bancorp appears to be stable and profitable, with improving quarterly earnings and solid operating cash flow. The main positives are consistent profitability, a large deposit base, and healthy liquidity. The main risks are higher funding costs, recurring restructuring or other operating expenses, and moderate loan growth rather than a clear acceleration. For retail investors, this looks like a bank that is holding steady rather than breaking out.

07/17/26 05:28 PM ETAI Generated. May Contain Errors.

Stellarone Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Stellarone's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Stellarone's net income appears to be on an upward trend, with a most recent value of $102.87 million in 2025, rising from $24.14 million in 2015. The previous period was $115.00 million in 2024. See Stellarone's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Stellarone's total revenue changed from $112.84 million in 2015 to $423.41 million in 2025, a change of 275.2%.

Stellarone's total liabilities were at $9.14 billion at the end of 2025, a 1.7% decrease from 2024, and a 252.3% increase since 2016.

In the past 9 years, Stellarone's cash and equivalents has ranged from $23.96 million in 2021 to $419.97 million in 2024, and is currently $94.33 million as of their latest financial filing in 2025.


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Financial statements for NYSE:STEL last updated on 4/29/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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