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Stellar Bancorp (STEL) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 24, 2026

TBA (Confirmed)

Period Ending

2026 (Q2)

Consensus EPS Forecast

0.56

Last Year’s EPS

0.6

Same Quarter Last Year

Analyst Consensus

―

Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025

Earnings Call Date:Oct 24, 2025|

% Change Since:

Earnings Call Sentiment|Neutral

The earnings call reflected a mixed performance, with positive developments in deposit growth, net interest income, and loan origination countered by challenges such as decreased net income, higher expenses, and increased loan payoffs. Overall, the company's strategic position remains strong, but near-term pressures are evident.

Company Guidance

During the Stellar Bank Third Quarter Earnings Call for 2025, the management team provided guidance on several key financial metrics. The net interest income for the third quarter was reported at $100.6 million, an increase from $98.3 million in the second quarter, with a net interest margin of 4.2%, slightly up from 4.18% in the previous quarter. The bank's net income was $25.7 million or $0.50 per diluted share, compared to $26.4 million or $0.51 per share in the second quarter. The annualized Return on Average Assets (ROAA) was 0.97%, and the Return on Average Tangible Common Equity (ROATCE) was 11.45%. Stellar Bank also reported a provision for loan losses of $305,000, with net charge-offs totaling $3.3 million for the quarter. The allowance for credit losses on loans stood at $78.9 million, which is 1.1% of loans. The bank's noninterest income was $5 million, down from $5.8 million in the second quarter, primarily due to write-downs on foreclosed assets. Noninterest expenses increased to $73.1 million from $70 million, attributed to higher salaries, benefits, and professional fees. The tangible book value per share increased by 9.3% year-over-year to $21.08 per share, and the total risk-based capital ratio improved to 16.33%. The management expressed confidence in their liquidity, capital position, and the strength of their balance sheet, emphasizing a focus on disciplined growth and shareholder value enhancement.

Strong Deposit Growth

The company experienced strong deposit growth, with 51% of new deposits coming from new customers. This reflects increased brand awareness and effective market share gains.

Net Interest Income and Margin Increase

Net interest income increased from $98.3 million in the second quarter to $100.6 million in the third quarter, with the net interest margin improving from 4.18% to 4.2%.

Capital Position Strengthened

The company repurchased shares, paid down $30 million of subordinated debt, and maintained a total risk-based capital of 16.33%, up from 15.98% in the previous quarter.

Loan Origination Growth

Loan originations up 62% year-to-date, with a healthy pipeline and positive outlook for continued growth.

Stellar Bancorp (STEL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

STEL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 24, 2026	2026 (Q2)	0.56 / -	0.596	―	―	―
Apr 28, 2026	2026 (Q1)	0.50 / 0.58	0.547	6.03% (+0.03)	―	―
Jan 28, 2026	2025 (Q4)	0.51 / 0.59	0.52	12.88% (+0.07)	―	―
Oct 24, 2025	2025 (Q3)	0.49 / 0.58	0.63	-7.14% (-0.05)
Jul 25, 2025	2025 (Q2)	0.45 / 0.60	0.56	6.43% (+0.04)
Apr 25, 2025	2025 (Q1)	0.44 / 0.55	0.49	11.63% (+0.06)
Jan 30, 2025	2024 (Q4)	0.49 / 0.52	0.568	-8.45% (-0.05)
Oct 25, 2024	2024 (Q3)	0.49 / 0.63	0.58	8.62% (+0.05)
Jul 26, 2024	2024 (Q2)	0.48 / 0.56	0.66	-15.15% (-0.10)
Apr 26, 2024	2024 (Q1)	0.48 / 0.49	0.792	-38.13% (-0.30)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

STEL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 28, 2026	$37.44	$37.17	-0.72%
Jan 28, 2026	$32.37	$36.13	+11.62%
Oct 24, 2025	$29.09	$29.43	+1.19%
Jul 25, 2025	$30.99	$30.85	-0.44%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Stellar Bancorp (STEL) report earnings?

Stellar Bancorp (STEL) is schdueled to report earning on Jul 24, 2026, TBA (Confirmed).

What is Stellar Bancorp (STEL) earnings time?

Stellar Bancorp (STEL) earnings time is at Jul 24, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is STEL EPS forecast?

STEL EPS forecast for the fiscal quarter 2026 (Q2) is 0.56.