Stellar Bancorp, Inc. — Earnings Quality Grade A
STEL · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change -1 days YoY
AR growth -5.3% vs revenue growth -1.8%
Revenue -1.8%, CFFO -26.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -5.7% vs revenue -1.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.94. Profits backed by cash
FCF $0.1B, FCF/NI = 0.90
Accruals ratio = 0.1%. Low accruals
Cash $0.4B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.6B = 34% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Stellar Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25