Stellar Bancorp (STEL) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended March 2025, Stellar Bancorp (STEL) reported revenue of $104.76 million, down 3.4% over the same period last year. EPS came in at $0.46, compared to $0.49 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $105.47 million, representing a surprise of -0.67%. The company delivered an EPS surprise of +4.55%, with the consensus EPS estimate being $0.44.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Stellar Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin (tax equivalent): 4.2% compared to the 4.2% average estimate based on three analysts. Efficiency Ratio: 61.9% compared to the 68.9% average estimate based on three analysts. Total nonperforming loans: $54.52 million versus $37.63 million estimated by two analysts on average. Average Balance - Total interest-earning assets: $9.59 billion compared to the $9.58 billion average estimate based on two analysts. Net charge-offs (recoveries) to average loans (annualized): 0% versus the two-analyst average estimate of 0.2%. Total nonperforming assets: $59.67 million versus $38.46 million estimated by two analysts on average. Net Interest Income: $99.26 million versus $100.17 million estimated by three analysts on average. Net Interest Income (tax equivalent): $99.35 million versus $100.27 million estimated by three analysts on average. Total Non-Interest Income: $5.51 million compared to the $5.31 million average estimate based on three analysts. View all Key Company Metrics for Stellar Bancorp here>>>Shares of Stellar Bancorp have returned -3.4% over the past month versus the Zacks S&P 500 composite's -4.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Only $1 to See All Zacks' Buys and SellsWe're not kidding.Several years ago, we shocked our members by offering them 30-day access to all our picks for the total sum of only $1. No obligation to spend another cent.Thousands have taken advantage of this opportunity. Thousands did not - they thought there must be a catch. Yes, we do have a reason. We want you to get acquainted with our portfolio services like Surprise Trader, Stocks Under $10, Technology Innovators,and more, that closed 256 positions with double- and triple-digit gains in 2024 alone.See Stocks Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Stellar Bancorp, Inc. (STEL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks