STEL
Stellar Bancorp, Inc.32.17
-0.24-0.74%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.65BP/E (TTM)
16.58Basic EPS (TTM)
1.94Dividend Yield
0.02%Recent Filings
8-K
8-K
Q3 net income $25.7M
Stellar Bancorp reported Q3 2025 net income of $25.7 million, or $0.50 diluted EPS, down slightly from $26.4 million last quarter, yet net interest income rose 2.3% to $100.6 million with margin expanding to 4.20%. Deposits grew $143.8 million to $8.82 billion while loans dipped $119.5 million to $7.17 billion amid portfolio repositioning toward C&I lending; credit quality held firm with nonperforming assets at 0.51% of assets. Capital strengthened to 16.33%. The bank redeemed $30 million subordinated debt on October 1.
10-Q
Q3 FY2025 results
Stellar Bancorp's Q3 2025 net interest income held steady at $100.6M, down just 0.9% y/y, while net income dipped to $25.7M or $0.50 diluted EPS from $33.9M or $0.63 y/y, pressured by a $6.3M swing to a credit loss provision amid rising nonperformers. Loans shrank 3.7% q/q to $7.17B, with commercial real estate still dominating at 52%, yet the allowance stayed ample at 1.10% of loans. Deposits fell 3.4% q/q to $8.82B on seasonal outflows, but cash equivalents provided $728M in liquidity alongside $2.09B FHLB availability—no debt covenants breached. Free cash flow wasn't disclosed in the 10-Q. Yet nonaccruals climbed to 0.65% of loans, signaling credit watch.
8-K
Partial notes redemption announced
Stellar Bancorp announced on August 29, 2025, its plan to redeem $30 million of its $60 million 4.70% Fixed-to-Floating Rate Subordinated Notes due 2029, with the redemption set for October 1, 2025, at 100% of principal plus accrued interest. This partial call reduces outstanding debt while maintaining the notes' structure. Redemption eases long-term liabilities. No further details on proceeds use disclosed.
8-K
Quarterly dividend declared
Stellar Bancorp declared a quarterly cash dividend of $0.14 per share on August 27, 2025, payable September 30 to shareholders of record on September 15. This steady payout underscores the company's commitment to returning capital amid Texas banking operations. Forward-looking statements highlight inherent risks from market uncertainties.
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