Stellar Bancorp, Inc. (STEL)

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=jivedata("STEL","financials")

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Stellar Bancorp, Inc.

STEL • CIK 0001473844

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$537,722	$531,680	$484,877	$484,020
Interest Income (Expense), Net	$436,759	$407,992	$401,620	$408,293
Interest Income (Expense), after Provision for Loan Loss	$427,816	$410,872	$391,462	$399,270
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$161,884	$144,960	$127,782	$130,197
Income Tax Expense (Benefit)	$31,387	$29,957	$24,910	$25,061
Net Income (Loss) Available to Common Stockholders, Basic	$130,497	$115,003	$102,872	$105,136
Interest Income, Securities, Operating, Taxable	$38,494	$49,903	$65,338	$68,813
Interest Income, Securities, Operating, Tax Exempt	$2,553	$3,262	$3,238	$3,231
Interest Income, Deposits with Financial Institutions	$12,048	$17,555	$21,017	$21,181
Interest and Dividend Income, Operating	$590,817	$602,400	$574,470	$577,245
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits	$87,335	$113,246	$120,531	$122,601
Interest Expense, Time Deposits	$41,286	$68,745	$46,276	$41,373
Interest Expense, Borrowings	$17,807	$4,549	$986	$618
InterestExpenseOperating	—	$194,408	$172,850	$168,952
Revenue from Contract with Customer, Including Assessed Tax	—	$6,430	$6,282	$6,333
Gain (Loss) on Disposition of Assets	—	$769	$-302	$-756
Bank Owned Life Insurance Income	$2,178	$2,414	$2,886	$2,902
Noninterest Income, Other Operating Income	$10,934	$11,242	$10,683	$10,648
Noninterest Income	$24,562	$23,046	$21,790	$21,395
Labor and Related Expense	$157,034	$165,357	$168,807	$170,946
Occupancy, Net	$16,932	$17,864	$17,619	$18,268
Depreciation, Nonproduction	$7,584	$7,807	$8,058	$8,034
Information Technology and Data Processing	$19,526	$21,652	$22,980	$23,371
Professional Fees	$7,955	$9,424	$6,261	$5,361
Amortization of Intangible Assets	$26,883	$24,220	$21,580	$20,918
Communication	$2,796	$3,418	$3,435	$3,347
Marketing and Advertising Expense	$3,627	$4,127	$4,707	$4,724
Business Combination, Integration Related Costs	$15,555	$0	$0	$3,307
Other Noninterest Expense	$21,570	$27,521	$25,836	$26,099
Noninterest Expense	$290,494	$288,958	$285,470	$290,468
Weighted Average Number of Shares Outstanding, Basic	53,229,000	53,469,000	51,756,000	49,439,000
Incremental Common Shares Attributable to Dilutive Effect of Share-based Payment Arrangements	84,000	41,000	52,000	116,000
Weighted Average Number of Shares Outstanding, Diluted	53,313,000	53,510,000	51,808,000	49,555,000

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$121,004	$419,967	$94,331	$107,736
Interest-bearing Deposits in Banks and Other Financial Institutions	$278,233	$491,249	$325,122	$441,834
Cash and Cash Equivalents, at Carrying Value	$399,237	$911,216	$419,453	$549,570
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$1,395,680	$1,673,016	$2,198,459	$1,864,710
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$7,925,133	$7,439,854	$7,300,591	$7,587,952
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$91,684	$81,058	$83,629	$85,431
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$7,833,449	$7,358,796	$7,216,962	$7,502,521
Interest Receivable	$44,244	$37,884	$35,869	$36,589
Property, Plant and Equipment, Net	$118,683	$111,856	$106,118	$99,861
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	—	—	$45,532	$51,105
Bank Owned Life Insurance	$105,084	$107,498	$109,477	$110,103
Goodwill	$497,318	$497,318	$497,318	$497,318
Finite-Lived Intangible Assets, Net	$116,712	$92,546	$71,018	$66,137
Other Assets	$111,681	$107,451	$106,388	$111,442
Assets	$10,647,139	$10,905,790	$10,806,594	$10,889,356
Interest Payable	$11,288	$17,052	$5,508	$5,240
Subordinated Debt	$109,765	$70,105	$40,226	$40,256
Other Liabilities	$81,601	$82,389	$70,740	$59,085
Liabilities	$9,126,121	$9,297,930	$9,137,940	$9,221,591
Preferred Stock, Value, Issued	$0	$0	$0	$0
Common Stock, Value, Issued	$533	$534	$509	$509
Additional Paid in Capital	$1,232,627	$1,240,050	$1,174,894	$1,170,867
Retained Earnings (Accumulated Deficit)	$405,945	$492,640	$566,216	$585,403
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-118,087	$-125,364	$-72,965	$-89,014
Stockholders' Equity Attributable to Parent	$1,521,018	$1,607,860	$1,668,654	$1,667,765
Noninterest-bearing Deposit Liabilities	$3,546,815	$3,576,206	$3,407,865	$3,210,579
Deposits	$8,873,467	$9,128,384	$9,021,466	$8,982,010
Demand Deposit Accounts	$1,659,999	$1,845,749	$2,114,997	$2,171,968
Deposits, Savings Deposits	$2,136,777	$2,253,193	$2,469,845	$2,596,972
Time Deposits	$1,529,876	$1,453,236	$1,028,759	$1,002,491
Interest-bearing Deposit Liabilities	$5,326,652	$5,552,178	$5,613,601	$5,771,431
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0	0	0
Common Stock, Shares Authorized	140,000,000	140,000,000	140,000,000	140,000,000
Common Stock, Shares, Issued	53,291,079	53,428,699	50,902,024	50,911,515
Letters of Credit Outstanding, Amount	$1,820,000	$2,100,000	$2,170,000	$1,230,000
Financing Receivable, Credit Loss, Expense (Reversal)	$9,625	$-3,964	$6,334	$3,160

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$130,497	$115,003	$102,872	$105,136
Net Cash Provided by (Used in) Operating Activities	$168,217	$132,619	$97,004	$119,191
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$27,532	$511,979	$-491,763	$-11,005
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$399,237	$911,216	$419,453	$408,448
Depreciation, Depletion and Amortization, Nonproduction	$34,467	$32,027	$29,638	$28,952
Payments to Acquire Debt Securities, Available-for-sale	$4,093,405	$5,536,678	$6,387,203	$6,113,506
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$4,137,330	$5,237,440	$5,794,483	$5,955,642
Accretion (Amortization) of Discounts and Premiums, Investments	$-6,583	$-5,768	$3,063	$4,533
Payments for (Proceeds from) Loans and Leases	$134,712	$-517,607	$-139,754	$318,396
Deferred Income Tax Expense (Benefit)	$10,250	$3,298	$-1,741	$-1,860
Payments to Acquire Property, Plant, and Equipment	$6,861	$4,663	$4,398	$3,896
Share-based Payment Arrangement, Noncash Expense	$9,945	$10,764	$9,151	$9,141
Proceeds from Sale of Property, Plant, and Equipment	$8,984	$7,660	$9,067	$6,557
Payments for (Proceeds from) Federal Home Loan Bank Stock	$8,769	$-17,813	$36,629	$24,174
Bank Owned Life Insurance Income	$2,178	$2,414	$2,886	$2,902
Net Cash Provided by (Used in) Investing Activities	$295,254	$246,091	$-348,221	$-463,773
Gain (Loss) on Disposition of Other Assets	$390	$769	$-302	$-756
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities	$16,301	$5,455	$-28,373	$-10,737
Net Change Noninterest-bearing Deposits, Domestic	$-683,354	$29,391	$-168,341	$4,959
Net Change Interest-bearing Deposits, Domestic	$289,189	$225,526	$61,423	$414,337
Payments of Ordinary Dividends, Common Stock	$27,698	$28,308	$29,296	$29,805
Repayments of Subordinated Debt	—	$40,000	$30,000	$30,000
Proceeds from (Repayments of) Other Debt	$-14,000	$-50,000	$0	$15,000
Payments for Repurchase of Common Stock	$0	$2,842	$73,352	$38,923
Net Cash Provided by (Used in) Financing Activities	$-435,939	$133,269	$-240,546	$333,577

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Import this data to Google Sheets with:

=jivedata("STEL","financials")

Full statements spill as a table. For one cell: =jivedata("STEL","Revenue") or =jivedata("STEL","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.