NYSE$STEL
Stellar Bancorp Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
Stellar Bancorp reported Q4 2025, net income of $26.1M, diluted EPS of $0.51.
For Q4 2025, Stellar Bancorp reported net income of $26.1M, diluted EPS was $0.51. Management discusses segment performance, capital allocation, and outlook in the earnings filing.
- Net income $26.1M.
- Diluted EPS $0.51.
- Stellar Bancorp highlights liquidity, operations, and 2026 priorities.
Headline financials
Revenue & EPS history
Stellar Bancorp · Revenue · Quarterly
$109M
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 release discusses Stellar Bancorp's outlook for upcoming periods, including capital allocation, operating priorities, and market risks, without relying solely on numeric EPS bridges.
Tailwinds
- Stellar Bancorp cites operational execution and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and returns.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
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 2025
-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% |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro