The latest financial statement is for the quarter ending 2025-09-30.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 25,670 | 51,054 |
| Depreciation and intangibles amortization | 7,569 | 15,083 |
| Net accretion of discount on loans | 4,800 | 10,741 |
| Net (accretion) amortization of discount on securities | 651 | 1,646 |
| Provision for credit losses | 305 | 4,722 |
| Deferred income tax expense | -764 | 778 |
| Stock-based compensation expense | 2,605 | 4,525 |
| Net change in operating leases | 865 | 1,725 |
| Bank-owned life insurance income | 632 | 1,228 |
| Federal reserve bank and federal home loan bank stock dividends | 1,682 | - |
| Federal home loan bank stock dividends | - | 376 |
| Loss (gain) on sale/write-down of assets | -491 | 360 |
| Excess tax benefit from stock-based compensation | 396 | -708 |
| Decrease in accrued interest receivable and other assets | -24,888 | 17,402 |
| Decrease in accrued interest payable and other liabilities | 9,784 | -26,764 |
| Net cash provided by operating activities | 63,628 | 20,078 |
| Purchase of available for sale securities | 1,775,782 | 3,090,997 |
| Proceeds from maturities and principal paydowns of available for sale securities | 1,694,822 | 2,939,045 |
| Proceeds from sales and calls of available for sale securities | 10,904 | 115,201 |
| Net change in total loans | -93,064 | -175,884 |
| Purchase of bank premises and equipment | 1,145 | 1,981 |
| Proceeds from sale of bank premises, equipment and other real estate | 1,163 | 6,967 |
| Net (purchase) redemption of federal reserve bank and federal home loan bank stock | -1,885 | 38,514 |
| Net cash provided by investing activities | 24,911 | 105,605 |
| Net decrease in noninterest-bearing deposits | 27,255 | -392,513 |
| Net increase in interest-bearing deposits | 116,594 | -62,257 |
| Net change in borrowed funds | -70,000 | 70,000 |
| Dividends paid to common shareholders | 7,169 | 14,478 |
| (payments made) proceeds from the issuance of restricted stock and stock option exercises | 124 | -303 |
| Repurchase of common stock | 4,998 | 59,244 |
| Net cash used in financing activities | 61,806 | -458,795 |
| Net change in cash and cash equivalents | 150,345 | -333,112 |
| Cash and cash equivalents at beginning of period | 911,216 | - |
| Cash and cash equivalents at end of period | 728,449 | - |
Stellar Bancorp, Inc. (STEL)
Stellar Bancorp, Inc. (STEL)