Stellar Bancorp Inc (STEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 26,966 | 102,872 | 76,724 | 51,054 | 24,702 |
| Depreciation Amortization | 4,088 | 26,575 | 20,355 | 13,437 | 6,244 |
| Income taxes - deferred | 889 | -1,741 | 14 | 778 | 1,008 |
| Other Working Capital | -15,185 | -34,765 | -6,904 | -42,441 | -37,108 |
| Other Operating Activity | -250 | 4,063 | -6,483 | -2,750 | -525 |
| Operating Cash Flow | $16,508 | $97,004 | $83,706 | $20,078 | $-5,679 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -268 | 4,669 | 5,004 | 4,986 | -770 |
| Purchase Of Investment | -1,237,330 | -6,423,832 | -4,903,408 | -3,129,511 | -1,523,482 |
| Sale Of Investment | 1,553,525 | 5,931,188 | 4,759,972 | 3,054,246 | 1,495,071 |
| Net Loans | -287,409 | 139,754 | 268,948 | 175,884 | 170,741 |
| Other Investing Activity | 3,310 | 0 | 0 | 0 | 5,820 |
| Investing Cash Flow | $31,828 | $-348,221 | $130,516 | $105,605 | $147,380 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | 135,000 | N/A | N/A | 70,000 | 120,000 |
| Debt Repayment | N/A | -30,000 | N/A | N/A | N/A |
| Common Stock Issued | N/A | N/A | -179 | -303 | N/A |
| Common Stock Repurchased | -4,173 | -73,352 | -64,242 | -59,244 | -38,602 |
| Dividend Paid | -7,779 | -29,296 | -21,647 | -14,478 | -7,270 |
| Other Financing Activity | -1,810 | -980 | 0 | 0 | -799 |
| Financing Cash Flow | $81,781 | $-240,546 | $-396,989 | $-458,795 | $-492,342 |
| Beginning Cash Position | 419,453 | 911,216 | 911,216 | 911,216 | 911,216 |
| End Cash Position | 549,570 | 419,453 | 728,449 | 578,104 | 560,575 |
| Net Cash Flow | $130,117 | $-491,763 | $-182,767 | $-333,112 | $-350,641 |
| Free Cash Flow | |||||
| Operating Cash Flow | 16,508 | 97,004 | 83,706 | 20,078 | -5,679 |
| Capital Expenditure | -268 | -4,398 | -3,126 | -1,981 | -770 |
| Free Cash Flow | 16,240 | 92,606 | 80,580 | 18,097 | -6,449 |