Stellar Bancorp Inc (STEL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 76,724 | 51,054 | 24,702 | 115,003 | 89,791 |
| Depreciation Amortization | 20,355 | 13,437 | 6,244 | 4,796 | 30,131 |
| Income taxes - deferred | 14 | 778 | 1,008 | 3,298 | 2,146 |
| Other Working Capital | -6,904 | -42,441 | -37,108 | 5,656 | 31,221 |
| Other Operating Activity | -6,483 | -2,750 | -525 | 3,866 | -24,548 |
| Operating Cash Flow | $83,706 | $20,078 | $-5,679 | $132,619 | $128,741 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | 5,004 | 4,986 | -770 | 2,997 | 855 |
| Purchase Of Investment | -4,903,408 | -3,129,511 | -1,523,482 | -5,536,678 | -2,774,613 |
| Sale Of Investment | 4,759,972 | 3,054,246 | 1,495,071 | 5,244,352 | 2,516,726 |
| Net Loans | 268,948 | 175,884 | 170,741 | 517,607 | 389,603 |
| Other Investing Activity | 0 | 0 | 5,820 | 17,813 | 0 |
| Investing Cash Flow | $130,516 | $105,605 | $147,380 | $246,091 | $132,571 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | N/A | 70,000 | 120,000 | -50,000 | 10,000 |
| Debt Repayment | N/A | N/A | N/A | -40,000 | N/A |
| Common Stock Issued | -179 | -303 | -799 | -498 | 207 |
| Common Stock Repurchased | -64,242 | -59,244 | -38,602 | -2,842 | -2,842 |
| Dividend Paid | -21,647 | -14,478 | -7,270 | -28,308 | -20,831 |
| Financing Cash Flow | $-396,989 | $-458,795 | $-492,342 | $133,269 | $-144,332 |
| Beginning Cash Position | 911,216 | 911,216 | 911,216 | 399,237 | 399,237 |
| End Cash Position | 728,449 | 578,104 | 560,575 | 911,216 | 516,217 |
| Net Cash Flow | $-182,767 | $-333,112 | $-350,641 | $511,979 | $116,980 |
| Free Cash Flow | |||||
| Operating Cash Flow | 83,706 | 20,078 | -5,679 | 132,619 | 128,741 |
| Capital Expenditure | -3,126 | -1,981 | -770 | -4,663 | -3,390 |
| Free Cash Flow | 80,580 | 18,097 | -6,449 | 127,956 | 125,351 |