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Stellar Bancorp Inc. (STEL)
:STEL
Earnings Data
Report Date
Jul 25, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.44Last Year’s EPS
0.56Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 25, 2025
|% Change Since: -4.19%
|Next Earnings Date:Jul 25, 2025
Earnings Call Sentiment|Neutral
The earnings call highlighted strong financial results, including significant net income, reduced expenses, and successful share repurchases, contributing to a positive outlook. However, challenges such as decreased net interest income, economic uncertainties, and elevated loan payoffs suggest some caution. The bank remains optimistic about future growth, particularly in the later half of the year.Company Guidance
During the Stellar Bancorp, Inc. first quarter 2025 earnings call, the company provided guidance indicating cautious optimism for future growth, likely to accelerate in the latter half of the year. The first quarter net income was $24.7 million, or $0.46 per diluted share, with an annualized return on average assets of 94 basis points and an annualized return on average tangible common equity of 11.48%. Net interest income for the quarter was $99.3 million, down from $103 million in the previous quarter, resulting in a net interest margin of 4.2%. The company highlighted a reduction in noninterest expenses and significant share repurchases, amounting to 1.4 million shares at an average price of $27.99 per share. The allowance for credit losses increased to $83.7 million, or 1.15% of loans. Total risk-based capital stood at 15.94%, and tangible book value per share rose by 14.3% year-over-year to $19.69. Despite broader economic uncertainties, Stellar Bancorp is well-positioned for incremental growth and continues to focus on core operations and capital optimization strategies, including a new share repurchase program of up to $65 million.Strong First Quarter Net Income
First quarter 2025 net income of $24.7 million or $0.46 per diluted share, with an annualized return on average assets of 94 basis points and an annualized return on average tangible common equity of 11.48%.
Reduction in Noninterest Expenses
Noninterest expense for the quarter was down $5.1 million to $70.2 million from $75.3 million in the fourth quarter, reflecting timing-driven dynamics and focus on expense management.
Successful Share Repurchases
Repurchased 1.4 million shares at a weighted average price of $27.99 per share during the first quarter and an additional 679,000 shares at $25.83 per share since the end of the first quarter.
Improvement in Deposit Cost
14 basis point improvement in the cost of funds, driven by a 21 basis point improvement in the cost of interest-bearing liabilities.
Regulatory Capital Ratios Growth
Total risk-based capital was 15.94% at the end of the first quarter. Year over year, tangible book value per share increased by 14.3% from $17.23 to $19.69 per share.
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STEL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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STEL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 25, 2025 | $27.00 | $25.87 | -4.19% |
| Jan 30, 2025 | $28.53 | $28.26 | -0.95% |
| Oct 25, 2024 | $25.99 | $26.11 | +0.46% |
| Jul 26, 2024 | $27.12 | $27.52 | +1.47% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Stellar Bancorp Inc. (STEL) report earnings?
Stellar Bancorp Inc. (STEL) is schdueled to report earning on Jul 25, 2025, TBA Not Confirmed.
What is Stellar Bancorp Inc. (STEL) earnings time?
Stellar Bancorp Inc. (STEL) earnings time is at Jul 25, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is STEL EPS forecast?
STEL EPS forecast for the fiscal quarter 2025 (Q2) is 0.44.
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