Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $3.69M | $6.06M | $6.43M | $6.28M |
| Revenue growth | — | — | — | — | — | — | — | 64.3% | 6.0% | -2.3% |
| Net income | $27.2M | $27.6M | $47.3M | $50.5M | $45.5M | $81.6M | $51.4M | $130M | $115M | $103M |
| Net margin | — | — | — | — | — | — | 1393.8% | 2152.0% | 1788.5% | 1637.6% |
| EPS (diluted) | $1.22 | $1.22 | $1.89 | $2.02 | $1.56 | $2.82 | $1.47 | $2.45 | $2.15 | $1.99 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $36.0M | $35.6M | $49.3M | $56.1M | $61.1M | $107M | $109M | $168M | $133M | $97.0M |
| Capital expenditures | $1.88M | $992K | — | — | $7.18M | $2.93M | $3.81M | $6.86M | $4.66M | $4.40M |
| Free cash flow | $34.2M | $34.6M | — | — | $53.9M | $104M | $105M | $161M | $128M | $92.6M |
| Share buybacks | $11.1M | — | — | $3.00K | $18.6M | $5.66M | $23.6M | $0.00 | $2.84M | $73.4M |
| Dividends paid | $4.39M | $4.41M | $4.98M | $8.76M | $8.16M | $9.70M | $15.4M | $27.7M | $28.3M | $29.3M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $382M | $326M | $382M | $346M | $423M | $758M | $372M | $399M | $911M | $419M |
| Total assets | $2.95B | $3.08B | $3.28B | $3.48B | $3.95B | $7.10B | $10.9B | $10.6B | $10.9B | $10.8B |
| Total liabilities | $2.59B | $2.63B | $2.79B | $2.94B | $3.40B | $6.29B | $9.52B | $9.13B | $9.30B | $9.14B |
| Shareholders' equity | $358M | $446M | $488M | $710M | $759M | $816M | $1.38B | $1.52B | $1.61B | $1.67B |
| Retained earnings | $95.3M | $118M | $161M | $201M | $214M | $267M | $303M | $406M | $493M | $566M |
| Shares (wtd avg diluted) | 22.2M | 22.6M | 25.0M | 25.1M | 29.1M | 28.9M | 35.0M | 53.3M | 53.5M | 51.8M |
Every figure is extracted from Stellar Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.