Income Statement

STELLAR BANCORP, INC.

STEL
Annual
Performance Overview Click any row in the table to add it to this chart
in millions USD
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Dec 31, 2018 2018 FY Dec 31, 2017 2017 FY
Revenue
423.41 431.04 461.32 309.31 142.43 143.39 154.62 150.01 130.86
Cost of Revenue
- - - - - - - 9.34 7.77
Gross Profit
- - - - 5.08 5.03 - 140.67 123.09
Operating Expenses
285.47 288.96 290.49 196.08 107.69 92.10 90.14 82.02 78.29
Research & Development
- - - - - - - - -
Selling, General & Administrative
173.51 169.48 160.66 110.01 1.55 1.50 1.83 1.82 1.46
Other Operating Expenses
111.96 119.47 129.83 86.06 106.14 90.60 88.31 80.19 76.83
Operating Income
-285.47 -288.96 -290.49 -196.08 -102.60 -87.07 -90.14 58.65 44.80
Non-Operating Income
-413.25 -433.92 -452.38 -258.60 -148.12 -119.47 -152.23 0.00 0.78
Interest Income
574.47 602.40 590.82 322.99 132.09 138.69 153.40 135.76 116.66
Interest Expense
172.85 194.41 154.06 34.04 5.93 10.09 17.41 11.10 8.89
Other Non-Op Income / Expense
- - - - - - - - -
Income Before Tax
127.78 144.96 161.88 62.52 45.52 32.40 62.09 58.65 44.02
Income Tax Expense
24.91 29.96 31.39 11.09 9.92 6.03 11.57 11.36 16.45
Non-Controlling Interest
- - - - - - - - -
Net Income
102.87 115.00 130.50 51.43 35.60 26.36 50.52 47.29 27.57
Supplemental Per share data, derived & other items — not part of the income statement
in millions USD unless noted
Metric Dec 31, 2025 2025 FY Dec 31, 2024 2024 FY Dec 31, 2023 2023 FY Dec 31, 2022 2022 FY Dec 31, 2021 2021 FY Dec 31, 2020 2020 FY Dec 31, 2019 2019 FY Dec 31, 2018 2018 FY Dec 31, 2017 2017 FY
Depreciation & Amortization
- - - - - - - - -
EBITDA
-255.83 -256.93 -256.03 -181.82 -102.60 -87.07 -90.14 58.65 44.80
Earnings Per Share (Basic)
1.99 2.15 2.45 1.48 1.46 1.06 2.03 1.90 1.23
Diluted EPS
1.99 2.15 2.45 1.47 1.45 1.06 2.02 1.89 1.22
Weighted Average Shares
51.76 53.47 53.23 34.74 24.46 24.76 24.93 24.86 22.46
Diluted Weighted Avg Shares
51.81 53.51 53.31 35.01 24.57 24.80 25.05 25.02 22.57
Comprehensive Income
155.27 107.73 155.67 -110.07 31.88 30.75 55.88 44.70 28.10