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.

Stellar Bancorp STEL Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	24.3%-2.4pp	26.7%-1.6pp	28.3%+11.7pp	16.6%+1.4pp
Free cash flow margin	21.9%-7.8pp	29.7%-5.3pp	35%+0.9pp	34%-10.0pp
Returns
Return on equity	6.3%-1.1pp	7.4%-1.6pp	9%+4.3pp	4.7%+0.1pp
Return on assets	0.9%-0.1pp	1.1%-0.1pp	1.2%+0.6pp	0.6%-0.1pp
Efficiency
Asset turnover	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×-0.1×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$1.58B+4.6%	$1.51B+2.0%	$1.48B+43.9%	$1.03B+45.5%
Enterprise value	$1.18B+90.1%	$621.03M-43.8%	$1.11B+61.9%	$682.74M+477%
Price / earnings	15.4×+2.2×	13.2×+1.8×	11.4×-8.7×	20.1×+0.4×
Price / sales	3.7×+0.2×	3.5×+0.3×	3.2×-0.1×	3.3×+0.3×
Price / book	0.9×0.0×	0.9×0.0×	1×+0.2×	0.7×-0.1×
EV / sales	2.8×+1.3×	1.4×-1.0×	2.4×+0.2×	2.2×+3.0×
Free cash flow yield	5.8%-2.6pp	8.5%-2.4pp	10.9%+0.7pp	10.2%-4.5pp
Earnings yield	6.5%-1.1pp	7.6%-1.2pp	8.8%+3.8pp	5%-0.1pp
Dividend yield	1.8%0.0pp	1.9%0.0pp	1.9%+0.4pp	1.5%+0.1pp

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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.