Stellar Bancorp, Inc.

DB:C9N0 Stock Report

Market Cap: €1.5b

Stellar Bancorp Past Earnings Performance

Past criteria checks 3/6

Stellar Bancorp has been growing earnings at an average annual rate of 20.5%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 22.1% per year. Stellar Bancorp's return on equity is 7.2%, and it has net margins of 26.7%.

Key information

20.5%

Earnings growth rate

-3.4%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate22.1%
Return on equity7.2%
Net Margin26.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Stellar Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:C9N0 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 244391172260
30 Jun 244341142220
31 Mar 244371192190
31 Dec 234521302150
30 Sep 234221052120
30 Jun 23375891880
31 Mar 23321701660
31 Dec 22259511420
30 Sep 22240711170
30 Jun 22237761180
31 Mar 22240821180
31 Dec 21239821190
30 Sep 21229761170
30 Jun 21223731130
31 Mar 21204601100
31 Dec 20183461060
30 Sep 20178441030
30 Jun 20171391030
31 Mar 20177441030
31 Dec 19187531030
30 Sep 19185521020
30 Jun 1917049930
31 Mar 1915142840
31 Dec 1813237750
30 Sep 1811427670
30 Jun 1810621660
31 Mar 1810019630
31 Dec 179618610
30 Sep 179320590
30 Jun 179423560
31 Mar 179223540
31 Dec 169023520
30 Sep 168621500
30 Jun 168320490
31 Mar 168118490
31 Dec 157815490
30 Sep 157113450
30 Jun 156311400
31 Mar 155510350
31 Dec 14479300
31 Dec 13357230

Quality Earnings: C9N0 has high quality earnings.

Growing Profit Margin: C9N0's current net profit margins (26.7%) are higher than last year (24.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: C9N0's earnings have grown significantly by 20.5% per year over the past 5 years.

Accelerating Growth: C9N0's earnings growth over the past year (11.2%) is below its 5-year average (20.5% per year).

Earnings vs Industry: C9N0 earnings growth over the past year (11.2%) did not outperform the Banks industry 12.6%.

Return on Equity

High ROE: C9N0's Return on Equity (7.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 11:26
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Stellar Bancorp, Inc. is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bryce RoweBaird
John RodisJanney Montgomery Scott LLC
Catherine Summerson MealorKeefe, Bruyette, & Woods