What is Stellar Bancorp's net margin?

Stellar Bancorp (STEL) reported net margin of 24.5% in Q1 2026.

How has Stellar Bancorp's net margin changed year-over-year?

Stellar Bancorp's net margin decreased by 7.9% year-over-year, from 26.6% to 24.5%.

What is the long-term trend for Stellar Bancorp's net margin?

Over 5 years (2020 to 2025), Stellar Bancorp's net margin has grown at a 5.7% compound annual growth rate (CAGR), from 18.4% to 24.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Stellar Bancorp STEL Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Cullen/Frost BankersCFR

29.5%+1.0pp

Prosperity BancsharesPB

40.4%-0.5pp

Texas Capital BancsharesTCBI

27.5%+17.2pp

Customers BancorpCUBI

31.2%+9.8pp

Stock Yards BancorpSYBT

35.3%+1.6pp

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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FCF margin26.8%+5.5pp

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.

net income/total revenue=24.5%

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 net margin?: Stellar Bancorp (STEL) reported net margin of 24.5% in Q1 2026.
How has Stellar Bancorp's net margin changed year-over-year?: Stellar Bancorp's net margin decreased by 7.9% year-over-year, from 26.6% to 24.5%.
What is the long-term trend for Stellar Bancorp's net margin?: Over 5 years (2020 to 2025), Stellar Bancorp's net margin has grown at a 5.7% compound annual growth rate (CAGR), from 18.4% to 24.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.