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Stellar Bancorp STEL Free cash flow margin

Free cash flow margin at other companies

Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
3.5%—
Prosperity Bancshares logo
Prosperity BancsharesPB
40%—
Texas Capital Bancshares logo
Texas Capital BancsharesTCBI
33.5%-1.7pp
Customers Bancorp logo
Customers BancorpCUBI
46.9%+9.0pp
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
35.8%-1.5pp
National Bank Holdings logo
National Bank HoldingsNBHC
9.2%-21.6pp

Other financials

Income statement

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Revenue$111.0M+6.0%
Net income$27.0M+9.2%
EPS (diluted)$0.53+15.2%

Balance sheet

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Cash & equivalents$549.6M-2.0%
Total debt$15.5M-11.1%
Total equity$1.7B+3.5%
Total assets$10.9B+4.4%

Cash flow

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Operating cash flow$16.5M+391%
CapEx$268.0K-65.2%
Free cash flow$16.2M+352%

Valuation

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Market cap$1.98B+26.9%
Enterprise value$1.45B+43.8%
P/E18.8×+5.1×
P/S4.6×+1.0×

Profitability

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Net margin24.5%-2.1pp

Returns & leverage

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Return on equity6.4%-0.8pp
Debt / equity0×0.0×

Where this comes from

Calculated from Stellar Bancorp’s reported figures.

free cash flow/total revenue=26.8%

Based on trailing twelve months.

The official record: Stellar Bancorp’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Stellar Bancorp's free cash flow margin?
Stellar Bancorp (STEL) reported free cash flow margin of 26.8% in Q1 2026.
How has Stellar Bancorp's free cash flow margin changed year-over-year?
Stellar Bancorp's free cash flow margin increased by 26.1% year-over-year, from 21.3% to 26.8%.
What is the long-term trend for Stellar Bancorp's free cash flow margin?
Over 4 years (2021 to 2025), Stellar Bancorp's free cash flow margin has grown at a -16.1% compound annual growth rate (CAGR), from 44% to 21.9%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.