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Dec 31, 2025
Stellar Bancorp Q4 2025 Earnings Report
Stellar Bancorp, Inc. reported its financial results for the fourth quarter of 2025, showing an increase in net interest income and solid profitability.
Key Takeaways
Stellar Bancorp, Inc. announced net income of $26.1 million, or diluted earnings per share of $0.51, for the fourth quarter of 2025. The company saw an increase in net interest income to $103.4 million and a tax equivalent net interest margin of 4.06%, excluding PAA. Total assets increased to $10.81 billion, and book value per share rose to $32.78.
Net interest income for Q4 2025 increased to $103.4 million, up from $100.6 million in Q3 2025.
Diluted earnings per share for Q4 2025 was $0.51, contributing to a full-year EPS of $1.99.
Book value per share grew to $32.78 at December 31, 2025, from $30.09 at December 31, 2024.
Total assets reached $10.81 billion at December 31, 2025, an increase of $178.5 million from September 30, 2025.
Revenue by Segment
Forward Guidance
The company has cancelled its previously announced conference call regarding the fourth quarter results due to entering into a merger agreement with Prosperity Bancshares, Inc. No specific forward guidance was provided in this release.
Positive Outlook
- The merger agreement with Prosperity Bancshares, Inc. could lead to future growth and synergies.
- Continued strong net interest income and margin are expected to support profitability.
- Ongoing book value per share growth indicates financial health and value creation for shareholders.
- Strategic paydown of subordinated debt strengthens the company's financial structure.
- Share repurchases demonstrate confidence in the company's valuation and commitment to shareholder returns.
Challenges Ahead
- The cancellation of the earnings call limits immediate opportunities for investors to gain further insights into Q4 performance and future outlook.
- The impact of the merger on future financial performance and operating results is subject to various risks and uncertainties.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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