NYSE$STEL
Stellar Bancorp Inc · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
Reported net income of $27.8 million, or diluted earnings per share of $0.52.
Stellar Bancorp reported a net income of $27.8 million, or $0.52 diluted earnings per share, for Q4 2024. The company's focus remains on core fundamentals and economic activity in its markets as it enters 2025.
- Net income for the fourth quarter of 2024 was $27.8 million, or diluted earnings per share of $0.52.
- Tax equivalent net interest margin for the fourth quarter of 2024 was 4.25%.
- Total risk-based capital ratio increased to 16.06% at December 31, 2024.
- Nonperforming loans decreased $2.0 million to $37.2 million at December 31, 2024.
Headline financials
Revenue & EPS history
Stellar Bancorp · Revenue · Quarterly
$108M
Revenue by segment
Stellar Bancorp · $5.56M total across 5 segments · Q3 2021
- Bank-owned life insurance$2.32M—41.8%
- Service charges on deposit accounts$1.35M—24.3%
- Debit card and interchange income$1.05M—18.8%
- Other noninterest income$479K—8.6%
- (Loss) gain on sale/write-down of assets$360K—6.5%
Forward guidance
The company intends to turn towards growth at a more normalized organic pattern while keeping an eye towards opportunities with downstream partners that would increase operating leverage. The company remains focused on core fundamentals as it enters 2025 and is encouraged by the economic activity in its markets.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
-0.2%
Avg return
Earnings day
-0.2%
Avg return
5 days after
+2.1%
Avg return
30 days after
49%
20 / 41 earnings
Positive
+11.4%
Q4 2025
Best reaction
-9.6%
Q4 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.9% | -0.2% | -0.2% | |
| Q4 2025 | +11.4% | +14.7% | +15.4% | |
| Q3 2025 | +0.8% | -0.4% | +6.7% | |
| Q1 2025 | -4.6% | -7.6% | -1.0% | |
| Q4 2024 | -0.8% | +3.0% | +1.4% | |
| Q3 2024 | +5.9% | +6.1% | +18.2% | |
| Q2 2024 | -0.2% | -0.4% | -2.1% | |
| Q1 2024 | -6.9% | -4.5% | -4.1% | |
| Q4 2023 | +0.6% | -5.7% | -9.4% | |
| Q3 2023 | -3.4% | -1.8% | +6.8% | |
| Q2 2023 | -2.4% | -6.4% | -18.0% | |
| Q1 2023 | +4.8% | +0.2% | +8.0% | |
| Q4 2022 | -9.6% | -1.7% | +2.9% | |
| Q3 2022 | +4.5% | +11.7% | +11.4% | |
| Q2 2022 | +3.3% | +1.8% | +2.3% | |
| Q1 2022 | -2.3% | -4.0% | -8.9% | |
| Q4 2021 | +2.1% | +3.3% | +8.3% | |
| Q3 2021 | -0.9% | +1.1% | +6.6% | |
| Q2 2021 | +3.0% | -4.9% | +1.7% | |
| Q1 2021 | -0.9% | +0.7% | +0.7% | |
| Q4 2020 | +2.2% | +3.1% | +7.8% | |
| Q3 2020 | -2.8% | -2.5% | +16.5% | |
| Q2 2020 | -2.3% | -6.2% | -4.6% | |
| Q4 2019 | -9.2% | -10.2% | +5.3% | |
| Q1 2020 | -8.4% | -8.0% | +2.6% | |
| Q3 2019 | -2.4% | -1.2% | +1.2% | |
| Q2 2019 | +2.6% | +4.1% | -9.5% | |
| Q1 2019 | +0.4% | +1.6% | -2.4% | |
| Q4 2018 | +0.1% | -0.2% | -3.6% | |
| Q3 2018 | +0.3% | -0.3% | +4.7% | |
| Q2 2018 | +3.3% | +3.9% | +0.8% | |
| Q1 2017 | +0.3% | -0.0% | +2.1% | |
| Q1 2018 | -1.1% | -0.7% | -1.5% | |
| Q4 2015 | +1.5% | +0.6% | +2.0% | |
| Q2 2016 | +1.5% | +0.6% | +2.0% | |
| Q1 2016 | +1.5% | +0.6% | +2.0% | |
| Q2 2017 | +1.5% | +0.6% | +2.0% | |
| Q4 2017 | -0.2% | -2.7% | -3.6% | |
| Q3 2016 | -0.6% | +1.5% | +5.4% | |
| Q3 2017 | -0.6% | +1.5% | +5.4% | |
| Q4 2016 | -0.6% | +1.5% | +5.4% |
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