What is the market's earnings forecast for Stellar next quarter?

What is the revenue and EPS growth rate for Stellar year over year?

What guidance did Stellar's management provide for the next earnings period?

What is Stellar's latest dividend and current dividend yield?

What were the key takeaways from Stellar's earnings call?

What is Stellar's gross profit margin?

Did Stellar beat or miss consensus estimates last quarter?

What factors drove the changes in Stellar's revenue and profit?

- **Net Interest Margin Expansion**: NIM improved to 4.0% (excl. accretion), driven by deposit growth and disciplined pricing. 
- **Deposit Growth Momentum**: 51% of new deposits from new clients, with YTD loan originations up 62%. 
- **Credit Stability**: Allowance ratio at 1.1%, with stable charge-offs despite market volatility. 
- **Capital Deployment**: $5 million in share buybacks, with focus on maintaining capital flexibility. 
- **Expense Management**: Q3 outlier due to one-time costs; Q4 expenses expected to normalize.

**【Management Opening Remarks】**
- CEO Robert Franklin highlighted a 15% year-over-year increase in net interest income, driven by deposit growth and a net interest margin (NIM) of 4.2% (excluding purchase accounting accretion). 
- CFO Paul Egge noted $25.7 million in net income, with a focus on disciplined balance sheet management and capital deployment. 
- The company repurchased $5 million in shares during the quarter, maintaining a well-capitalized position with a risk-based capital ratio of 16.33%.

**【CEO Commentary】**
- Emphasized full-client relationship banking, with 51% of new deposits from first-time customers. 
- Credit quality remained stable, with net charge-offs at $3.7 million year-to-date, and an allowance for loan losses of $78.9 million (1.1% of loans). 
- Discussed strategic M&A caution, prioritizing balance sheet protection over size.

**【CFO Financial Commentary】**
- Net interest income rose to $100.6 million, up 2.3% Q/Q, with NIM improving to 4.0% (excluding accretion). 
- One-time expenses ($0.5 million in severance) caused a $3.1 million Q/Q increase in operating expenses to $73.1 million. 
- Year-over-year tangible book value per share grew 9.3% to $21.08, driven by internal capital generation.

**【Q&A Highlights】**
- **Deposit Growth**: 51% of new deposits from new clients, with pipeline originations up 62% YTD. 
- **Credit Strategy**: Stress testing and selective C&I lending maintained credit quality. 
- **Expense Outlook**: Q3 was an outlier; Q4 expenses expected to align with H1 run rate of $70 million. 
- **M&A Approach**: Cautious, focusing on partners aligned with relationship banking model.


Stellar Bancorp, Inc. (STEL) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: Q2 loan originations doubled QoQ, highest since 2022, driven by Texas market resilience and relationship banking.
- **Margin Resilience**: Net interest margin of 4.18% maintained despite funding cost pressures; targeting 4% core margin with potential rate cuts.
- **Expense Control**: Flat non-interest expenses ($70M) and 10.8% YoY tangible book value growth to $19.94.
- **Strategic Moves**: Active M&A discussions, share buybacks ($26.08 avg price), and focus on C&I growth.

**【CEO Summary Section】**
- **Revenue and Loan Growth**: Q2 loan originations nearly doubled compared to Q1, reaching the highest level since 2022. The Texas market's resilience and business development efforts drove this organic growth. Payoffs in Q2 were offset by strong originations, with pipelines supporting continued momentum.
- **Market Strategy**: Focus on relationship banking and expanding in Texas, where M&A activity and business-friendly policies create opportunities for customer and talent acquisition.
- **Balance Sheet Strength**: Strong capital (15.98% risk-based capital) and liquidity support a net interest margin of 4.18%, with disciplined funding management.

**【CFO Financial Commentary】**
- **Financial Performance**: Q2 net income of $26.4M ($0.51 EPS), up 6.9% QoQ. ROAA of 1.01% and ROATCE of 12.16% reflect operational efficiency.
- **Net Interest Income**: $98.3M (down 1% YoY) due to lower earning assets and a 2bp decline in net interest margin (4.18% vs. 4.20% Q1). Excluding accretion, margin was 3.95% (flat QoQ).
- **Expense Management**: Non-interest expenses held flat at $70M, with share buybacks of 791K shares ($26.08 avg price) and 10.8% YoY tangible book value growth to $19.94.
- **Credit Quality**: Provision for credit losses at $1.1M (minimal charge-offs), with allowance at 1.14% of loans.

**【Q&A Key Highlights】**
- **Loan Growth Dynamics**: Originations ($640M Q2) offset payoffs, with carried loans expected to drive future growth. C&I and CRE originations balanced, with a focus on middle-market expansion.
- **Funding Strategy**: Reduced reliance on wholesale funds to defend margin; core funding costs stable. Fed membership dividend added $5.8M to non-interest income.
- **Expense and Capital Allocation**: Flat expenses ($70M) reflect cost control; share buybacks and debt redemption considered alongside organic growth. Target to return to 4% core margin with potential Fed rate cuts.
- **M&A Activity**: Active discussions, prioritizing disciplined pricing to avoid franchise dilution.


Stellar Bancorp, Inc. (STEL) Q2 2025 Earnings Call Transcript

- **Q1 2025 Earnings Highlight**: $24.7 million net income with cautious growth strategy amid economic uncertainty.
- **Loan Pipeline Strength**: Originations up 4% YoY, with H2 2025 growth driven by pipeline conversion.
- **Cost Efficiency**: Noninterest expenses down $5.1 million, reflecting disciplined expense management.
- **Capital Flexibility**: $65 million share repurchase program authorized, with 4% of shares repurchased in Q1.
- **Credit Discipline**: CRE paydowns of $275-300 million per quarter, balanced by disciplined underwriting and focus on primary cash flows.

**【CEO Summary Section】**
- The company reported first-quarter 2025 net income of $24.7 million, or $0.46 per diluted share, reflecting a cautious approach to growth amid economic uncertainty.
- Management emphasized disciplined credit practices, with a focus on reducing commercial real estate (CRE) and construction and development (C&D) loans to align with a larger bank balance sheet.
- Loan originations in the first quarter were strong, with a pipeline supporting growth in the second half of 2025, offsetting elevated paydowns of $275-300 million per quarter.
- Share repurchases of 1.4 million shares were executed during the quarter, with an additional $65 million repurchase program authorized, reflecting capital flexibility.

**【CFO Financial Commentary】**
- Net interest income was $99.3 million, down from $103 million in Q4 2024, due to lower purchase accounting accretion and 2 fewer earning days.
- Noninterest expenses decreased by $5.1 million to $70.2 million, driven by cost control and timing-related savings.
- Regulatory capital ratios remained strong, with total risk-based capital at 15.94%, and tangible book value per share increasing 14.3% year-over-year.
- The company repurchased 1.4 million shares in Q1 and an additional 679,000 shares post-quarter, representing nearly 4% of shares outstanding.

**【Q&A Key Themes】**
- **Loan Growth**: Originations were strong, with a focus on converting pipeline deals into funded loans. Growth is expected to accelerate in H2 2025 as advances exceed payments.
- **Deposit Strategy**: Noninterest-bearing deposits represent 37% of the base, with a focus on organic growth rather than competitive pricing.
- **Credit Quality**: Provision for loan losses was $3.6 million, with minimal net charge-offs. Credit teams remain cautious on CRE and owner-occupied properties amid tariff policy uncertainty.
- **Capital Allocation**: Buybacks are prioritized over M&A due to economic uncertainty, though M&A discussions continue. Subordinated debt redemption is under consideration.

Stellar Bancorp (STEL)-25 Apr 25-2025 Q1 Earnings call transcript

- **Strong Financial Performance**: Q4 net income of $27.8M, annualized ROATCE of 10.82%, and 36.2% CAGR in tangible book value.
- **Growth Catalysts**: 2025 focus on customer relationships, driven by job growth, housing shortages, and energy production.
- **Expense Management**: 2025 noninterest expense guidance of $295M (+3.3% growth), balanced against strategic M&A opportunities.
- **Capital Strength**: 16.06% risk-based capital ratio and $19.10/sh tangible book value, supporting future expansion.

**【CEO Opening Remarks】**
- **Growth Strategy Focus**: Emphasized 2025 as the 'Year of the Customer,' prioritizing relationship expansion and organic growth. 
- **Market Tailwinds**: Highlighted favorable trends including job growth, population increase, housing shortages, and energy production.
- **Balance Sheet Strength**: Maintained strong capital position with $27.8M Q4 net income and $117.6M annual net income.
- **Strategic Capital Use**: Plans to evaluate share buybacks alongside M&A opportunities, with $40M sub debt redeemed in Q4.

**【CFO Financial Highlights】**
- **Q4 Financials**: 
  - Net income: $27.8M ($0.52 EPS)
  - Annualized ROAA: 1.04%, ROATCE: 10.82%
  - Full year 2024 net income: $117.6M ($2.20 EPS)
- **NIM Performance**: 
  - Q4 NIM: 4.25% (3.94% adjusted for accretion)
  - Sequential improvement in cost of funds (-19bps)
- **Expense Management**: 
  - Q4 noninterest expense: $72M (up 1.3% vs. Q3)
  - 2024 total expense: $285.7M (down 1.6% vs. 2023)
  - 2025 guidance: $295M (+3.3% growth)
- **Capital Strength**: 
  - Risk-based capital ratio: 16.06% (vs. 14.02% in 2023)
  - Tangible book value: $19.10/sh (36.2% CAGR since merger)

**【Q&A Highlights】**
- **Interest Rate Environment**: Acknowledged stable rates but favorable business conditions.
- **Expense Growth**: 2025 guidance reflects ~3% inflation-driven increase.
- **Capital Deployment**: Prioritizes M&A over buybacks, with flexibility to adjust based on opportunities.

Actual							0.3	0.09	0.26	0.41	0.41	0.48	0.59	-0.02	0.43	0.48	0.71	0.6385	0.7921	0.66	0.58	0.5676	0.49	0.56	0.63	0.52	0.5467	0.596	0.5853	0.51
Forecast							0.3233	0.2133	0.2567	0.2667	0.3467	0.4133	0.37	0.3267	0.32	0.4233	0.852	0.724	0.72	0.68	0.574	0.554	0.48	0.478	0.486	0.49	0.442	0.446	0.494	0.514
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-7.21%	-57.81%	+1.29%	+53.73%	+18.26%	+16.14%	+59.46%	-106.12%	+34.38%	+13.39%	-16.67%	-11.81%	+10.01%	-2.94%	+1.05%	+2.45%	+2.08%	+17.15%	+29.63%	+6.12%	+23.69%	+33.63%	+18.48%	-0.78%

STEL

STEL fundamentals

STEL Q4 2025 Earnings

Earnings Call

You can ask Aime

STEL

STEL fundamentals

STEL Q4 2025 Earnings

Earnings Call

STEL Earnings Call Summary for Q4/20259:00 AM on Jan 30, 2026

STEL Earnings Call Summary for Q3/20259:00 AM on Oct 24, 2025

STEL Earnings Call Summary for Q2/20259:00 AM on Jul 25, 2025

STEL Earnings Call Summary for Q1/20259:00 AM on Apr 25, 2025

STEL Earnings Call Summary for Q4/20249:00 AM on Jan 31, 2025

You can ask Aime