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Stellar Bancorp STEL Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$431.78M+7.1%
Prosperity Bancshares logo
Prosperity BancsharesPB
$321.15M+21.0%
Texas Capital Bancshares logo
Texas Capital BancsharesTCBI
$238.72M+9.0%
Customers Bancorp logo
Customers BancorpCUBI
$167.98M+20.7%
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$76.8M+10.3%
JPMorgan Chase logo
JPMorgan ChaseJPM

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
FCF margin26.8%+5.5pp

Returns & leverage

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Return on equity6.4%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Stellar Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
Stellar Bancorp (STEL) reported net interest income (after provisions) of $103.43M in Q1 2026.
How has Stellar Bancorp's net interest income (after provisions) changed year-over-year?
Stellar Bancorp's net interest income (after provisions) increased by 8.2% year-over-year, from $95.63M to $103.43M.
What is the long-term trend for Stellar Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Stellar Bancorp's net interest income (after provisions) has grown at a 14.1% compound annual growth rate (CAGR), from $230.89M to $391.46M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for credit losses from net interest income, providing a clearer view of the bank's profitability after accounting for expected loan losses. It serves as a risk-adjusted measure of the bank's core earnings power. Investors use this to evaluate how effectively the bank balances interest-earning growth with credit quality management.