STEL FINANCIAL STATEMENTS

Stellar Bancorp, Inc. — balance sheet, income statement and cash flow trends

STELStellar Bancorp, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue592 M $-4.3%

Gross Profit414.1 M $-3.9%

Operating Income130.2 M $-9.0%

EBITDA159.1 M $-8.8%

Net Income105.1 M $-7.4%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
STEL	—	—	—	17.8%
KLNMA	—	—	—	58.1%
BFL	—	—	—	30.2%
BOQ	—	—	—	2.0%
LB	—	—	—	1.4%
EQB	—	—	—	6.6%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.7 B $15%
Current Liabilities9 B $83%
Long-term Liabilities234.3 M $2%

Key Figures

YoY change

Total Assets10.9 B $+4.4%

Total Liabilities9.2 B $+4.5%

Total Equity1.7 B $+3.5%

Cash & ST Investments2 B $+18.5%

Total Debt175.3 M $-7.8%

Net Debt-374.3 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
STEL	0.23	10.5%	-11.67	15.3%
KLNMA	—	0.0%	-0.00	17.7%
BFL	33.68	9.1%	-3.30	12.0%
BOQ	0.05	258.4%	49.89	6.0%
LB	0.01	744.5%	280.57	5.3%
EQB	0.09	496.5%	40.36	6.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
STEL	0.23	10.5%	-11.67	15.3%
SRCE	0.18	30.0%	-4.23	14.0%
FCF	4.39	12.6%	0.37	12.7%
CASH	7.45	7.0%	-0.35	12.0%
CHCO	0.42	66.1%	-6.04	11.8%
OFG	8.02	42.3%	-0.19	11.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow119.2 M $+24.4%

Capital Expenditures3.1 M $-36.7%

Free Cash Flow117.7 M $+29.3%

Dividends Paid28.1 M $-1.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
STEL	20.1%	19.9%	0.5%	113.4%
KLNMA	58.1%	57.8%	0.3%	100.0%
BFL	116.9%	27.7%	2.8%	386.6%
BOQ	13.1%	13.0%	0.2%	668.4%
LB	-1.8%	-3.5%	1.7%	-134.2%
EQB	-2.9%	-7.6%	3.1%	-44.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
STEL	20.1%	19.9%	0.5%	113.4%
SRCE	34.9%	34.8%	1.5%	131.0%
FCF	29.5%	27.6%	4.8%	139.0%
CASH	87.6%	65.2%	22.5%	357.5%
CHCO	34.8%	33.9%	0.9%	104.5%
OFG	23.6%	21.5%	2.1%	97.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jun 30, 26. This content is for informational purposes only and is not investment advice.