Stellar Bancorp STEL Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 24.5%-2.1pp | 24.3%-2.4pp | 24.1%-2.7pp | 25.9%0.0pp | 26.6%-0.2pp | |
| Free cash flow margin | 26.8%+5.5pp | 21.9%-7.8pp | 19.7%-16.0pp | 18.5%-11.9pp | 21.3%-11.0pp | |
| Returns | ||||||
| Return on equity | 6.4%-0.8pp | 6.3%-1.1pp | 6.2%-1.4pp | 7%-0.6pp | 7.2%-0.8pp | |
| Return on assets | 1%-0.1pp | 0.9%-0.1pp | 1%-0.1pp | 1%0.0pp | 1.1%0.0pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Valuation | ||||||
| Market capitalization | $1.86B+26.9% | $1.58B+4.6% | $1.56B+12.3% | $1.44B+17.5% | $1.46B+12.7% | |
| Enterprise value | $1.32B+43.8% | $1.18B+90.1% | $846.79M-4.8% | $878.22M+16.6% | $921.47M+0.2% | |
| Price / earnings | 17.7×+4.8× | 15.4×+2.2× | 15.3×+3.4× | 13.1×+2.3× | 12.9×+2.0× | |
| Price / sales | 4.3×+0.9× | 3.7×+0.2× | 3.7×+0.5× | 3.4×+0.6× | 3.4×+0.5× | |
| Price / book | 1.1×+0.2× | 0.9×0.0× | 0.9×+0.1× | 0.9×+0.1× | 0.9×+0.1× | |
| EV / sales | 3.1×+0.9× | 2.8×+1.3× | 2×0.0× | 2.1×+0.4× | 2.2×+0.1× | |
| Free cash flow yield | 6.2%0.0pp | 5.8%-2.6pp | 5.3%-5.9pp | 5.4%-5.5pp | 6.2%-4.9pp | |
| Earnings yield | 5.7%-2.1pp | 6.5%-1.1pp | 6.5%-1.9pp | 7.7%-1.7pp | 7.8%-1.4pp | |
| Dividend yield | 1.6%-0.4pp | 1.8%0.0pp | 1.9%-0.1pp | 2%-0.3pp | 2%-0.2pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Stellar Bancorp's ratios come from?
- Every ratio is computed from Stellar Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.