STEL · As filed with the SEC

Stellar Bancorp cash flow statement, by quarter

The statement as Stellar Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.

CONSOLIDATED STATEMENTS OF CASH FLOWS · USD thousands

USD thousands	Q1 2026 3 months ended Mar 31, 2026	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024^† 3 months ended Sep 30, 2024	Q2 2024^† 3 months ended Jun 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	26,966	26,148^†	25,670^†	26,352^†	24,702	25,212^†	33,891^†	29,753^†
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and intangibles amortization	6,857	6,986^†	7,569^†	7,540^†	7,543	7,565^†	8,123^†	8,163^†
Net accretion of discount on loans	(3,561)	0^†	(4,800)^†	(5,344)^†	(5,397)	(7,555)^†	(6,795)^†	(10,098)^†
Net accretion of discount on securities	(2,769)	(766)^†	(651)^†	(347)^†	(1,299)	99^†	1,063^†	1,935^†
Provision for credit losses	2,497	5,131^†	305^†	1,090^†	3,632	942^†	(5,985)^†	(1,935)^†
Deferred income tax expense	889	(1,755)^†	(764)^†	(230)^†	1,008	1,152^†	759^†	(1,116)^†
Stock-based compensation expense	1,956	2,021^†	2,605^†	2,559^†	1,966	2,135^†	2,999^†	2,783^†
Net change in operating leases	1,105	876^†	865^†	902^†	823	224^†	1,335^†	709^†
Bank-owned life insurance income	(626)	(1,026)^†	(632)^†	(618)^†	(610)	(622)^†	(614)^†	(591)^†
Federal Home Loan Bank stock dividends	—	—	—	(138)^†	(238)	(236)^†	(242)^†	0^†
Federal Reserve Bank and Federal Home Loan Bank stock dividends	(73)	988^†	—	—	—	(236)^†	—	—
Loss (gain) on sale/write-down of assets	37	171^†	491^†	57^†	(417)	112^†	(432)^†	64^†
Excess tax benefit from stock based compensation	—	—	—	—	—	—	(320)^†	(148)^†
Excess tax benefit from stock-based compensation	(480)	(205)^†	(396)^†	169^†	539	639^†	(320)^†	(148)^†
Decrease in accrued interest receivable and other assets	(4,941)	(13,878)^†	24,888^†	(8,456)^†	(8,946)	(32,772)^†	18,823^†	4,416^†
Decrease in accrued interest payable and other liabilities	(11,349)	(11,393)^†	9,784^†	2,221^†	(28,985)	6,983^†	6,923^†	4,178^†
Net cash provided by (used in) operating activities	16,508	13,298^†	63,628^†	25,757^†	(5,679)	3,878^†	59,528^†	38,113^†
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available for sale securities	(1,237,330)	(1,520,424)^†	(1,775,782)^†	(1,579,970)^†	(1,511,027)	(2,756,402)^†	(2,457,041)^†	(137,514)^†
Proceeds from maturities and principal paydowns of available for sale securities	1,553,525	1,160,616^†	1,694,822^†	1,546,679^†	1,392,366	2,727,626^†	2,437,302^†	37,316^†
Proceeds from sales and calls of available for sale securities	0	10,600^†	10,904^†	12,496^†	102,705	0^†	(2)^†	1,802^†
Net change in total loans	(287,409)	(129,194)^†	93,064^†	5,143^†	170,741	128,004^†	163,070^†	201,674^†
Purchase of bank premises and equipment	(268)	(1,272)^†	(1,145)^†	(1,211)^†	(770)	(1,273)^†	(1,838)^†	(988)^†
Proceeds from sale of bank premises, equipment and other real estate	3,310	937^†	1,163^†	1,147^†	5,820	3,415^†	2,234^†	19^†
Net purchase of Federal Reserve Bank and Federal Home Loan Bank stock	0	0^†	1,885^†	(26,059)^†	(12,455)	12,150^†	(4,792)^†	961^†
Net cash provided by investing activities	31,828	(478,737)^†	24,911^†	(41,775)^†	147,380	113,520^†	138,933^†	103,270^†
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in noninterest-bearing deposits	(197,287)	196,917^†	27,255^†	(21,926)^†	(370,587)	273,158^†	(5,393)^†	(14,708)^†
Net increase (decrease) in interest-bearing deposits	157,830	7,086^†	116,594^†	132,827^†	(195,084)	112,625^†	22,691^†	(54,705)^†
Net change in borrowed funds	135,000	0^†	(70,000)^†	(50,000)^†	120,000	(60,000)^†	(180,000)^†	25,000^†
Dividends paid to common shareholders	(7,779)	(7,649)^†	(7,169)^†	(7,208)^†	(7,270)	(7,477)^†	(6,934)^†	(6,935)^†
Payments made the issuance of restricted stock and stock option exercises	(1,810)	—	124^†	496^†	(799)	—	(16)^†	473^†
Repurchase of common stock	(4,173)	(9,110)^†	(4,998)^†	(20,642)^†	(38,602)	0^†	(2,842)^†	0^†
Net cash provided by (used) in financing activities	81,781	156,443^†	61,806^†	33,547^†	(492,342)	277,601^†	(172,494)^†	(50,875)^†
NET CHANGE IN CASH AND CASH EQUIVALENTS	130,117	(308,996)^†	150,345^†	17,529^†	(350,641)	394,999^†	25,967^†	90,508^†
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	419,453	728,449	578,104	560,575	911,216	516,217	490,250	399,742
CASH AND CASH EQUIVALENTS, END OF PERIOD	549,570	419,453	728,449	578,104	560,575	911,216	516,217	490,250
Income taxes paid	—	—	7,200^†	11,300^†	0	21,700^†	0^†	5,700^†
Interest paid	—	—	42,947^†	46,613^†	50,258	46,928^†	45,681^†	50,669^†
Cash paid for operating lease liabilities	—	—	1,079^†	1,025^†	1,051	976^†	1,225^†	1,220^†
Lease right-of-use asset obtained in exchange for lessee operating lease liabilities	—	—	—	—	—	(859)^†	—	—
Loans transferred to other real estate	—	—	1,893^†	4,219^†	8,786	(5,204)^†	(2,639)^†	0^†
Loans transferred to other real estate	—	—	—	—	—	787^†	2,565^†	—

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.

Data on this page was fetched Nov 6, 2026, 8:35 AM ET. The filing on SEC.gov is the record.