Stellar Bancorp, Inc.
STELFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Stellar Bancorp, Inc. (STEL) is listed under Banks - Regional. The $1.90B market capitalization puts STEL squarely in small-cap range for its industry. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking.
Market Cap
$1.90B
Beta
0.73
P/E (TTM)
18.13
P/E (Fwd)
15.91
EPS (TTM)
$2.06
EPS (Fwd)
$2.35
ROE
6.4%
ROA
1.0%
Cash
$553.7M
Total Debt
$194.9M
Free CF
—
52W Change
40.5%
Annual Financials
Cash vs Debt
Stellar Bancorp, Inc. holds $553.7M in cash against $194.9M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 6.4% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $309.3M to $423.4M.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Stellar Bancorp, Inc. and its sector.