STEL · Stellar Bancorp, Inc.
$39.32
+0.02 (+0.05%)
At close · Jun 30
Market Cap
$2.00B
Shares
50.92M
Stellar Bancorp, Inc. Earnings Call Transcripts
Every quarterly earnings call for Stellar Bancorp, Inc. (STEL) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
·
$1.35M
$37.15M
'23 Q1
23-04-28
·
$1.57M
$35.17M
'23 Q2
23-07-28
·
$1.62M
$30.91M
'23 Q3
23-10-27
·
$1.52M
$27.27M
'23 Q4
24-01-26
▲18.5%
$1.60M
$26.15M
'24 Q1
24-04-26
▲4.6%
$1.65M
$29.75M
'24 Q2
24-07-26
▼1.6%
$1.59M
$33.89M
'24 Q3
24-10-25
▲4.6%
$1.59M
$25.21M
'24 Q4
25-01-30
▼0.9%
$1.58M
$24.70M
'25 Q1
25-04-25
▼5.3%
$1.56M
$26.35M
'25 Q2
25-07-25
▼3.1%
$1.54M
$25.67M
'25 Q3
25-10-24
LATEST
▲0.1%
$1.59M
$26.15M
'25 Q4
26-01-28
Earnings call
FY25 · Q4
2026-01-28
Stellar Bancorp, Inc. Q4 FY2025 Earnings Call
Revenue
$1.59M*
▲ 0.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-24
Stellar Bancorp, Inc. Q3 FY2025 Earnings Call
Positive tone
Loan growth and payoffs
Net interest income and margin
Deposit growth and liquidity
Revenue
$1.54M
▼ 3.1% YoY Diluted EPS
$0.50
▼ 20.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-25
Stellar Bancorp, Inc. Q2 FY2025 Earnings Call
Positive tone
Net Interest Margin
Loan Growth & Originations
Capital & Share Repurchases
Revenue
$1.56M
▼ 5.3% YoY Diluted EPS
$0.51
▼ 8.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-25
Stellar Bancorp, Inc. Q1 FY2025 Earnings Call
Positive tone
Loan growth and payoffs
Net interest margin and income
Deposit growth and funding
Revenue
$1.58M
▼ 0.9% YoY Diluted EPS
$0.46
▼ 6.1% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Stellar Bancorp, Inc. Q4 FY2024 Earnings Call
Confident tone
Expense management and operating leverage
Net interest margin improvement
Capital deployment and M&A optionality
Revenue
$1.59M*
▲ 4.6% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-25
Stellar Bancorp, Inc. Q3 FY2024 Earnings Call
Confident tone
Net interest margin and repricing
Capital and balance sheet strength
Outlook and strategic priorities
Revenue
$1.59M
▼ 1.6% YoY Diluted EPS
$0.63
▲ 8.6% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-26
Stellar Bancorp, Inc. Q2 FY2024 Earnings Call
Positive tone
Balance sheet de-risking and capital build
Macro and interest rate outlook
Net interest margin and deposits
Revenue
$1.65M
▲ 4.6% YoY Diluted EPS
$0.56
▼ 15.2% YoY
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-26
Stellar Bancorp, Inc. Q1 FY2024 Earnings Call
Positive tone
Credit Quality and Watch List
Capital and Liquidity
Securities Portfolio Build
Revenue
$1.60M
▲ 18.5% YoY Diluted EPS
$0.49
▼ 30% YoY
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-26
Stellar Bancorp, Inc. Q4 FY2023 Earnings Call
Positive tone
Capital strength and deployment
Credit quality and provisioning
Net interest margin outlook
Revenue
$1.52M*
Rev · 3q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-27
Stellar Bancorp, Inc. Q3 FY2023 Earnings Call
Revenue
$1.62M
Diluted EPS
$0.58
▲ 16% YoY
Rev · 3q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-28
Stellar Bancorp, Inc. Q2 FY2023 Earnings Call
Revenue
$1.57M
Diluted EPS
$0.66
▲ 17.9% YoY
Rev · 2q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-28
Stellar Bancorp, Inc. Q1 FY2023 Earnings Call
Revenue
$1.35M
Diluted EPS
$0.70
▲ 9.4% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-27
Stellar Bancorp, Inc. Q4 FY2022 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-28
Stellar Bancorp, Inc. Q3 FY2022 Earnings Call
Diluted EPS
$0.50
▼ 15.3% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Stellar Bancorp, Inc. Q2 FY2022 Earnings Call
Diluted EPS
$0.56
▲ 16.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Stellar Bancorp, Inc. Q1 FY2022 Earnings Call
Diluted EPS
$0.64
▲ 56.1% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-28
Stellar Bancorp, Inc. Q4 FY2021 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-27
Stellar Bancorp, Inc. Q3 FY2021 Earnings Call
Diluted EPS
$0.59
▲ 126.9% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-28
Stellar Bancorp, Inc. Q2 FY2021 Earnings Call
Diluted EPS
$0.48
▲ 433.3% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-28
Stellar Bancorp, Inc. Q1 FY2021 Earnings Call
Diluted EPS
$0.41
▲ 36.7% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-27
Stellar Bancorp, Inc. Q4 FY2020 Earnings Call
Diluted EPS
$0.41
▼ 18% YoY
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-28
Stellar Bancorp, Inc. Q3 FY2020 Earnings Call
Diluted EPS
$0.26
▼ 50% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-29
Stellar Bancorp, Inc. Q2 FY2020 Earnings Call
Diluted EPS
$0.09
▼ 84.2% YoY
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-30
Stellar Bancorp, Inc. Q1 FY2020 Earnings Call
Diluted EPS
$0.30
▼ 28.6% YoY
Audio
Transcript
Slides
8-K10-Q
Showing 1–24 of 24 earnings calls
Key facts
CIK
1473844
CUSIP
858927106
13F (30d)
199 filings
198 filers
Visit website
Investor relations