Stellar Bancorp Income Statement (2018-2025) | STEL

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Income Statement Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Revenue & Cost
Provisions 0.86M0.69M-1.14M-2.17M1.15M0.81M0.58M-0.15M5.05M9.87M4.11M-0.14M0.41M-5.08M-4.89M6.64M1.59M1.60M1.66M39.18M3.20M4.24M1.50M0.69M5.67M-1.54M-6.34M-1.43M4.17M1.50M-0.92M
Revenue 32.40M34.38M35.05M37.08M36.82M41.60M1.68M1.59M1.49M1.09M1.18M-2.23M1.19M1.17M1.35M-2.04M0.53M0.56M0.53M2.08M1.35M1.57M1.62M1.52M1.60M1.65M1.59M1.59M1.58M1.56M1.54M
Interest income
Interest income - Loans 28.46M30.49M31.51M33.43M33.79M35.61M36.35M35.63M33.62M32.86M32.32M127.17M33.16M30.79M30.77M135.99M52.37M53.84M58.02M116.14M125.73M133.93M138.95M139.11M134.69M135.88M132.37M128.74M120.64M121.81M122.56M
Interest Income - Debt Securities 1.44M1.51M1.53M1.54M1.56M1.52M1.44M1.44M1.36M1.23M1.11M5.88M1.17M1.33M1.44M8.34M5.07M5.57M6.66M9.83M9.65M9.73M9.49M9.62M9.29M11.92M13.90M14.79M16.15M15.29M16.28M
Interest Income - Deposits 0.34M0.88M0.61M2.93M3.77M2.87M2.39M3.02M3.63M3.56M4.69M5.68M4.72M4.78M5.77M
Interest Income - Fed Funds 0.99M0.94M1.62M1.91M1.48M1.36M
Other interest income 1.40M1.70M1.48M1.36M1.21M1.28M1.05M0.17M0.18M0.17M0.18M0.22M0.34M0.38M0.35M1.24M2.41M
Interest Income - Total 31.09M33.13M34.66M36.88M36.98M38.65M39.19M38.57M36.21M34.42M33.76M34.29M34.66M32.51M32.70M153.32M60.30M62.84M67.88M131.97M140.41M146.96M151.27M152.18M148.42M152.18M151.78M150.02M142.32M142.70M145.41M
Interest expenses
Interest Expense - Deposits 1.95M2.13M2.96M3.55M3.58M3.82M4.13M4.46M3.77M2.02M1.83M14.06M1.35M1.27M1.23M7.78M2.16M1.92M3.53M12.41M18.04M20.71M23.56M25.03M27.53M28.40M29.44M27.88M27.57M31.10M32.38M
Interest Expense - Debt 0.09M0.11M0.11M-0.24M0.06M0.52M0.48M0.32M0.22M0.24M0.22M5.17M0.22M0.22M0.22M5.09M1.44M1.46M1.50M1.45M1.93M6.54M5.80M4.15M1.92M1.91M1.92M2.12M1.44M1.40M1.42M
Interest Expense - Fed Funds 0.00M0.00M0.00M0.00M0.00M0.00M0.00M
Interest Expenses 2.05M2.25M3.14M3.66M3.66M4.35M4.62M4.78M3.99M2.27M2.06M1.77M1.57M1.49M1.45M20.11M5.13M5.36M7.19M16.36M24.59M38.68M44.55M46.24M46.30M50.77M50.27M47.06M43.06M44.36M44.77M
Interest Income - Net 29.04M30.88M31.53M33.22M33.33M34.30M34.58M33.79M32.22M32.16M31.71M32.52M33.09M31.02M31.25M133.21M55.17M57.48M60.69M115.61M115.83M108.28M106.72M105.93M102.12M101.41M101.51M102.96M99.26M98.33M100.64M
Non-interest income
Interest Income - Total 28.17M30.19M32.67M35.39M32.18M33.49M34.00M33.93M27.17M22.29M27.60M32.66M32.68M36.10M36.14M125.96M53.36M55.34M58.73M70.82M112.16M106.37M104.41M104.88M98.02M103.34M107.49M102.02M95.63M97.25M100.34M
Service Charges 1.48M1.50M1.60M-2.76M1.63M1.66M0.43M0.43M0.42M0.41M1.19M0.41M0.39M0.39M2.32M0.39M0.37M0.37M0.38M
Investment Gain (Loss) 0.01M0.01M0.03M0.01M0.01M0.01M0.00M
Investment Banking Income 237.00M0.02M0.29M0.06M0.16M0.21M0.76M0.34M-0.01M
Card Income 0.93M0.97M0.92M0.92M0.86M0.94M0.91M1.01M0.92M0.92M
Other Non-Interest Income 0.51M0.47M0.44M0.69M0.48M3.72M0.41M0.43M0.42M0.27M0.43M6.57M0.39M0.51M0.49M0.05M2.42M0.81M1.28M3.54M3.73M1.56M8.18M2.69M3.07M2.70M4.41M2.36M2.37M3.10M3.39M
Non-Interest Income 3.36M3.51M3.53M3.86M3.49M7.30M4.12M3.72M4.33M2.91M4.02M3.52M3.11M3.49M5.56M-3.60M4.02M2.70M3.00M10.64M7.50M5.48M4.70M6.89M6.30M5.42M6.30M5.03M5.50M5.79M4.99M
Operating Items
Amortization - Intangibles 0.26M0.25M0.24M0.24M0.23M0.23M0.22M0.22M0.22M0.23M0.20M6.66M0.19M0.19M0.18M9.35M2.52M2.56M2.59M3.06M6.88M6.88M6.88M6.25M6.21M6.21M6.21M5.58M5.55M5.55M5.55M
Depreciation & Amortization - Total 1.03M1.01M1.00M1.95M1.84M1.84M1.95M1.97M1.96M1.95M1.91M1.98M2.00M1.99M2.02M
Research & Development 0.68M0.67M0.66M2.24M1.15M1.09M1.12M1.07M1.22M1.29M1.52M3.95M1.58M1.66M1.63M4.00M2.50M2.52M2.54M3.78M5.05M4.67M4.80M5.00M4.89M5.50M5.71M5.55M5.68M5.62M5.88M
Wages, Salaries and Other 12.70M12.50M12.50M13.83M13.82M14.19M13.95M14.26M14.22M14.01M14.33M37.59M14.19M14.73M15.00M46.26M22.73M21.86M22.01M40.95M39.77M37.30M39.49M40.46M41.38M39.06M41.12M43.80M41.79M40.93M43.17M
Rent Expense 2.27M2.43M2.43M2.27M2.27M2.34M2.48M2.42M2.42M2.56M2.50M0.49M2.52M2.60M2.66M1.37M2.21M2.22M2.13M3.78M4.09M3.82M4.46M4.57M4.39M4.50M4.57M4.40M3.93M4.40M4.52M
Restructuring Costs 0.45M1.67M10.55M11.47M6.17M2.90M3.42M3.07M
Other Operating Expenses 0.13M0.21M0.15M0.17M0.09M0.07M0.19M0.30M0.12M0.14M19.84M19.21M19.19M20.94M20.08M61.34M28.33M-0.02M0.04M4.03M0.20M-0.01M56.12M0.20M0.51M-0.06M0.43M-0.11M0.42M-0.06M-0.49M
Operating Expenses 20.28M20.01M19.96M21.76M22.59M23.40M22.05M22.11M22.09M22.50M23.86M23.66M23.29M25.20M24.37M66.70M34.52M37.90M44.03M79.62M72.60M69.21M70.75M77.94M71.41M71.22M71.07M75.27M70.17M70.00M73.14M
EBIT 13.30M15.93M19.37M21.15M16.75M21.74M20.68M20.32M13.40M4.97M9.82M14.29M14.07M15.88M18.78M75.77M27.99M25.50M24.88M18.19M71.65M81.32M82.90M80.07M79.21M88.31M93.00M78.85M74.03M77.40M76.95M
Net income details
EBT 11.25M13.68M16.23M17.49M13.09M17.39M16.07M15.54M9.41M2.70M7.76M12.52M12.50M14.39M17.33M55.66M22.86M20.14M17.69M1.83M47.06M42.64M38.35M33.83M32.91M37.55M42.73M31.78M30.96M33.03M32.18M
Tax Provisions 2.14M2.64M3.21M3.38M2.60M3.08M2.99M2.90M1.87M0.54M1.34M2.28M2.48M2.69M2.91M10.25M4.20M3.70M3.41M-0.22M9.91M7.47M7.45M6.56M6.76M7.79M8.84M6.57M6.26M6.68M6.51M
Profit After Tax 9.11M11.04M13.02M14.11M10.49M14.31M13.08M12.64M7.54M2.16M6.42M10.24M10.02M11.70M14.42M45.41M18.66M16.44M14.29M2.05M37.15M35.17M30.91M27.27M26.15M29.75M33.89M25.21M24.70M26.35M25.67M
Income from Continuing Operations 9.11M11.04M13.02M14.11M10.49M14.31M13.08M12.64M7.54M2.16M6.42M10.24M10.02M11.70M14.42M45.41M18.66M16.44M14.29M2.05M37.15M35.17M30.91M27.27M26.15M29.75M33.89M25.21M24.70M26.35M25.67M
Consolidated Net Income 9.11M11.04M13.02M14.11M10.49M14.31M13.08M12.64M7.54M2.16M6.42M10.24M10.02M11.70M14.42M45.41M18.66M16.44M14.29M2.05M37.15M35.17M30.91M27.27M26.15M29.75M33.89M25.21M24.70M26.35M25.67M
Income towards Parent Company 9.11M11.04M13.02M14.11M10.49M14.31M13.08M12.64M7.54M2.16M6.42M10.24M10.02M11.70M14.42M45.41M18.66M16.44M14.29M2.05M37.15M35.17M30.91M27.27M26.15M29.75M33.89M25.21M24.70M26.35M25.67M
Net Income towards Common Stockholders 9.11M11.04M13.02M14.11M10.49M14.31M13.08M12.64M7.54M2.16M6.42M29.41M10.02M11.70M14.42M45.41M18.66M16.44M14.29M2.05M37.15M35.17M30.91M27.27M26.15M29.75M33.89M25.21M24.70M26.35M25.67M
Additional items
EPS (Basic) 0.370.440.520.570.420.570.520.510.300.090.260.420.410.480.591.370.650.570.51-0.240.700.660.580.510.490.560.630.470.460.510.50
EPS (Weighted Average and Diluted) 0.370.440.520.560.420.570.520.500.300.090.260.410.410.480.591.350.640.560.50-0.240.700.660.580.510.490.560.630.470.460.510.50
Shares Outstanding (Weighted Average) 25.94M25.95M25.96M25.96M26.00M26.00M26.02M26.02M25.20M24.95M24.95M24.84M24.59M24.59M24.59M24.58M24.61M24.61M24.52M52.30M52.97M53.30M53.31M53.26M53.30M53.56M53.57M53.40M52.95M51.47M51.35M
EBITDA 13.30M15.93M19.37M21.15M16.75M21.74M20.68M20.32M13.40M4.97M9.82M14.29M14.07M15.88M18.78M75.77M29.02M26.51M25.89M20.14M73.48M83.16M84.85M82.04M81.17M90.26M94.91M80.83M76.02M79.39M78.97M
Tax Rate 19.01%19.28%19.76%19.32%19.86%17.69%18.61%18.69%19.85%19.95%17.31%18.24%19.87%18.70%16.81%18.42%18.38%18.38%19.25%21.06%17.51%19.41%19.40%20.54%20.75%20.68%20.67%20.23%20.22%20.24%