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Cash Flow Overview

Free Cash flow
$16,240K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from maturities and pri...
    • Net increase (decrease) in inter...
    • Net change in borrowed funds
    • Others
Negative Cash Flow Breakdown
    • Purchase of available for sale s...
    • Net change in total loans
    • Net decrease in noninterest-bear...
    • Others
Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net income
26,966
26,148
25,670
51,054
Depreciation and intangibles amortization
6,857
6,986
7,569
15,083
Net accretion of discount on loans
3,561
0
4,800
10,741
Net accretion of discount on securities
2,769
766
651
1,646
Provision for credit losses
2,497
5,131
305
4,722
Deferred income tax expense
889
-1,755
-764
778
Stock-based compensation expense
1,956
2,021
2,605
4,525
Net change in operating leases
1,105
876
865
1,725
Bank-owned life insurance income
626
1,026
632
1,228
Federal reserve bank and federal home loan bank stock dividends
73
-988
1,682
-
Federal home loan bank stock dividends
-
-
-
376
Loss (gain) on sale/write-down of assets
-37
-171
-491
360
Excess tax benefit from stock-based compensation
480
205
396
-708
Decrease in accrued interest receivable and other assets
4,941
13,878
-24,888
17,402
Decrease in accrued interest payable and other liabilities
-11,349
-11,393
9,784
-26,764
Net cash provided by (used in) operating activities
16,508
13,298
63,628
20,078
Purchase of available for sale securities
1,237,330
1,520,424
1,775,782
3,090,997
Proceeds from maturities and principal paydowns of available for sale securities
1,553,525
1,160,616
1,694,822
2,939,045
Proceeds from sales and calls of available for sale securities
0
10,600
10,904
115,201
Net change in total loans
287,409
129,194
-93,064
-175,884
Purchase of bank premises and equipment
268
1,272
1,145
1,981
Proceeds from sale of bank premises, equipment and other real estate
3,310
937
1,163
6,967
Net purchase of federal reserve bank and federal home loan bank stock
0
0
-1,885
38,514
Net cash provided by investing activities
31,828
-478,737
24,911
105,605
Net decrease in noninterest-bearing deposits
-197,287
196,917
27,255
-392,513
Repayment of subordinated debt
-
30,000
-
-
Net increase (decrease) in interest-bearing deposits
157,830
7,086
116,594
-62,257
Net change in borrowed funds
135,000
0
-70,000
70,000
Dividends paid to common shareholders
7,779
7,649
7,169
14,478
Payments made from the issuance of restricted stock and stock option exercises
-
-980
-
-
Payments made the issuance of restricted stock and stock option exercises
-1,631
-
124
-303
Repurchase of common stock
4,173
9,110
4,998
59,244
Net cash provided by (used) in financing activities
81,781
156,443
61,806
-458,795
Net change in cash and cash equivalents
130,117
-308,996
150,345
-333,112
Cash and cash equivalents, beginning of period
419,453
728,449
911,216
-
Cash and cash equivalents, end of period
549,570
419,453
728,449
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase(decrease) in...$157,830K Proceeds from maturitiesand principal...$1,553,525K Net income$26,966K Net change inborrowed funds$135,000K Proceeds from sale of bankpremises, equipment and...$3,310K Depreciation and intangiblesamortization$6,857K Provision for creditlosses$2,497K Stock-based compensationexpense$1,956K Net change inoperating leases$1,105K Deferred income taxexpense$889K Loss (gain) onsale/write-down of assets-$37K Net cash provided by(used) in financing...$81,781K Net cash provided byinvesting activities$31,828K Net cash provided by(used in) operating...$16,508K Canceled cashflow$210,870K Canceled cashflow$1,525,007K Canceled cashflow$23,799K Net change in cashand cash...$130,117K Net decrease innoninterest-bearing deposits-$197,287K Dividends paid to commonshareholders$7,779K Repurchase of common stock$4,173K Payments made theissuance of restricted...-$1,631K Purchase of available forsale securities$1,237,330K Net change in totalloans$287,409K Purchase of bank premisesand equipment$268K Decrease in accruedinterest payable and...-$11,349K Decrease in accruedinterest receivable and...$4,941K Net accretion ofdiscount on loans$3,561K Net accretion ofdiscount on securities$2,769K Bank-owned life insuranceincome$626K Excess tax benefit fromstock-based compensation$480K Federal reserve bank andfederal home loan bank...$73K

Stellar Bancorp, Inc. (STEL)

Stellar Bancorp, Inc. (STEL)