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

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

Did Stellar beat or miss consensus estimates last quarter?

What does Stellar do and what are its main business segments?

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

What is Stellar's gross profit margin?

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

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.


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