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Stellar Bancorp STEL Accretion Amortization Of Discounts And Premiums Loans

Accretion Amortization Of Discounts And Premiums Loans at other companies

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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 / equity0×0.0×

Where this comes from

Reported directly by Stellar Bancorp in its filing.

Tagged under the XBRL concept stel:AccretionAmortizationOfDiscountsAndPremiumsLoans.

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 accretion amortization of discounts and premiums loans?
Stellar Bancorp (STEL) reported accretion amortization of discounts and premiums loans of $3.56M in Q1 2026.
How has Stellar Bancorp's accretion amortization of discounts and premiums loans changed year-over-year?
Stellar Bancorp's accretion amortization of discounts and premiums loans decreased by 34.0% year-over-year, from $5.4M to $3.56M.
What is the long-term trend for Stellar Bancorp's accretion amortization of discounts and premiums loans?
Over 4 years (2021 to 2025), Stellar Bancorp's accretion amortization of discounts and premiums loans has grown at a 141.4% compound annual growth rate (CAGR), from $458K to $15.54M.
What does accretion amortization of discounts and premiums loans mean?
This represents the non-cash adjustment to net income resulting from the amortization of premiums or accretion of discounts on the bank's loan portfolio. It reflects the systematic recognition of interest income or expense over the life of the loans, adjusting the carrying value toward par. This metric is essential for reconciling net income to cash flow from operations.