Skip to content

Stellar Bancorp STEL Provision for Credit Losses

Provision for Credit Losses at other companies

Provident Financial Services logo
Provident Financial ServicesPFS
-$2.12M-432%
Nicolet Bankshares logo
Nicolet BanksharesNIC
$6.05M+303%
First Busey Corporation logo
First Busey CorporationBUSE
$3.06M-93.3%
STB
S&T BancorpSTBA
$1.33M+144%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$5.76M-12.8%
Banc of California logo
Banc of CaliforniaBANC
$17.65M+64.9%

Other financials

Income statement

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

Balance sheet

See full
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

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

Valuation

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

Profitability

See full
Net margin24.5%-2.1pp
FCF margin26.8%+5.5pp

Returns & leverage

See full
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 stel:FinancingReceivableCreditLossExpenseReversalAndOffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

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

Ask your AI about Stellar Bancorp's provision for credit losses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Stellar Bancorp's provision for credit losses?
Stellar Bancorp (STEL) reported provision for credit losses of $2.5M in Q1 2026.
How has Stellar Bancorp's provision for credit losses changed year-over-year?
Stellar Bancorp's provision for credit losses decreased by 31.3% year-over-year, from $3.63M to $2.5M.
What is the long-term trend for Stellar Bancorp's provision for credit losses?
Over 3 years (2021 to 2025), Stellar Bancorp's provision for credit losses has grown at a 63.5% compound annual growth rate (CAGR), from -$2.32M to $10.16M.
What does provision for credit losses mean?
This represents the periodic charge or credit to the income statement to maintain the allowance for credit losses at an appropriate level based on management's assessment of risk. It reflects the expected future losses within the loan portfolio due to credit deterioration. A higher expense indicates increased risk or a more conservative outlook on the economic environment.