Stellar Bancorp, Inc.
STELNYSEFinancials · National Commercial Banks · TX · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $6.3M | $6.4M | $6.1M | $3.7M | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $102.9M | $115.0M | $130.5M | $51.4M | $35.6M | $26.4M |
| Total assets | $10.81B | $10.91B | $10.65B | $10.90B | $4.49B | $3.95B |
| Total liabilities | $9.14B | $9.30B | $9.13B | $9.52B | $3.92B | $3.40B |
| Equity | $1.67B | $1.61B | $1.52B | $1.38B | $562.1M | $546.5M |
| EPS (diluted) | $1.99 | $2.15 | $2.45 | $1.47 | $1.45 | $1.06 |
| Shares out. | 53.0M | 53.3M | 53.0M | 24.6M | 24.6M | 25.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 1637.6%
- Return on equity
- 6.2%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 84.6%
- Debt / equity
- 5.48×
- Book value / share
- $31.51
- Revenue growth (YoY)
- −2.3%
- Net income growth (YoY)
- −10.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 4/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 warning● 2 good- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- North Reef Capital Management LpPassive (13G)May 15, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Blackrock, Inc.Passive (13G)Jul 17, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 794,397 | 3.3 | -11.7% |
| Apr 30, 2026 | 899,958 | 3.2 | +6.2% |
| Apr 15, 2026 | 847,106 | 2.6 | -21.2% |
| Mar 31, 2026 | 1.1M | 3.0 | -2.8% |
| Mar 13, 2026 | 1.1M | 2.9 | +29.9% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 27, 2026
- Other material eventMay 20, 2026
- Other material eventMay 20, 2026
- Results of operations · Regulation FD disclosureApr 28, 2026
- Other material eventApr 22, 2026
- Regulation FD disclosureApr 1, 2026
- Other material eventFeb 25, 2026
- Entered a material agreementJan 29, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.