Private company
Stellar Bancorp, Inc.
American national commercial bank based in Houston, incorporated in Texas. Summary from the record
Last updated Oct 19, 2026.
Overview
- IndustryNational Commercial Banks2
- HeadquartersHouston, United States2
- Incorporated inTX3
- Business address9 Greenway Plaza, Suite 110, Houston, Tx 770463
- Filer categoryLarge accelerated filer3
- Legal formFor-Profit Corporation2
- LEI54930070P8Z0WHFBB5362
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressC/O CAPITOL CORPORATE SERVICES, INC., 78746 Austin, United States2
- Registered withCorporations Section (Texas Secretary of State), 08007653212
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax19¢$24.9M
- Profit81¢$102.9M
Out of $6.3M in revenue.4
Where each dollar of operating cash went, fiscal 2025
- Capital spending4¢$4.4M
- Dividends paid27¢$29.3M
- Share buybacks69¢$73.4M
Out of $97.0M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.4
Financial statements
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $3.7M5 | $6.1M4 | $6.4M4 | $6.3M4 | |||
| Interest | $17.4M6 | $39.1M7 | $24.6M8 | $34.0M8 | $154.1M8 | ||
| Income before tax | $99.9M8 | $62.5M5 | $161.9M4 | $145.0M4 | $127.8M4 | ||
| Income tax | $11.6M6 | $10.4M7 | $18.3M8 | $11.1M5 | $31.4M4 | $30.0M4 | $24.9M4 |
| Net income | $50.5M6 | $45.5M7 | $81.6M8 | $51.4M5 | $130.5M4 | $115.0M4 | $102.9M4 |
| Earnings per share | $2.036 | $1.577 | $2.858 | $1.485 | $2.454 | $2.154 | $1.994 |
| Earnings per share (diluted) | $2.026 | $1.567 | $2.828 | $1.475 | $2.454 | $2.154 | $1.994 |
| Shares (weighted, basic) | 28.7M shares8 | 34.7M shares5 | 53.2M shares4 | 53.5M shares4 | 51.8M shares4 | ||
| Shares (weighted, diluted) | 28.9M shares8 | 35.0M shares5 | 53.3M shares4 | 53.5M shares4 | 51.8M shares4 |
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Cash | $346.2M7 | $422.8M8 | $757.5M7 | $371.7M8 | $399.2M5 | $911.2M4 | $419.5M4 |
| Property, plant and equipment | $63.7M7 | $126.8M8 | $118.7M5 | $111.9M4 | $106.1M4 | ||
| Goodwill | $223.6M5 | $497.3M4 | $497.3M4 | $497.3M4 | $497.3M4 | ||
| Intangible assets | $14.7M7 | $143.5M8 | $116.7M5 | $92.5M4 | $71.0M4 | ||
| Total assets | $3.5B12 | $3.9B6 | $7.1B7 | $10.9B8 | $10.6B5 | $10.9B4 | $10.8B4 |
| Total liabilities | $2.9B12 | $3.4B6 | $6.3B7 | $9.5B8 | $9.1B5 | $9.3B4 | $9.1B4 |
| Retained earnings | $267.1M7 | $303.1M8 | $405.9M5 | $492.6M4 | $566.2M4 | ||
| Shareholders’ equity | $709.9M7 | $758.7M8 | $816.5M5 | $1.4B4 | $1.5B4 | $1.6B4 | $1.7B4 |
| Shares outstanding | 25.0M shares12 | 24.6M shares6 | 28.8M shares7 | 53.0M shares8 | 53.3M shares5 | 53.4M shares4 | 50.9M shares4 |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Cash from operations | $56.1M6 | $61.1M7 | $107.4M8 | $109.1M5 | $168.2M4 | $132.6M4 | $97.0M4 |
| Depreciation and amortization | $7.5M8 | $14.3M5 | $34.5M4 | $32.0M4 | $29.6M4 | ||
| Stock-based compensation | $4.0M8 | $9.0M5 | $9.9M4 | $10.8M4 | $9.2M4 | ||
| Capital spending | $7.2M7 | $2.9M8 | $3.8M5 | $6.9M4 | $4.7M4 | $4.4M4 | |
| Free cash flow | $53.9M | $104.4M | $105.3M | $161.4M | $128.0M | $92.6M | |
| Cash from investing | -$754.8M8 | $73.8M5 | $295.3M4 | $246.1M4 | -$348.2M4 | ||
| Dividends paid | $8.8M6 | $8.2M7 | $9.7M8 | $15.4M5 | $27.7M4 | $28.3M4 | $29.3M4 |
| Share buybacks | $3.0K6 | $18.6M7 | $5.7M8 | $23.6M5 | $04 | $2.8M4 | $73.4M4 |
| Cash from financing | $982.2M8 | -$568.6M5 | -$435.9M4 | $133.3M4 | -$240.5M4 | ||
| Dividend per share | $0.406 | $0.287 | $0.348 | $0.435 | $0.524 | $0.534 | $0.574 |
Leadership
Who has led Stellar Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.
Chief financial officer
Chief operating officer
20202025
- ChairSteven F. Retzloff Oct 4, 2022 to now13
- PresidentRamon A. Vitulli Iii. Oct 4, 2022 to now14
- PresidentTravis L. Jaggers Nov 7, 2017 to Oct 4, 202215
- Chief financial officerPaul P. Egge Oct 4, 2022 to now16
- Chief financial officerR. T. Pigott Jr. Nov 7, 2017 to Feb 3, 202217
- Chief operating officerDeborah Dinsmore Oct 4, 2022 to Oct 4, 202218
Board members and other officers (31)
- Chief Banking OfficerJason D. Sirkel Dec 12, 2025 to now19
- Senior Executive VP, CROOkan I. Akin Oct 4, 2022 to now20
- Sr. EVP, GC, SecretaryShanna R. Kuzdzal Oct 4, 2022 to Oct 25, 202221
- Senior EVP & Chief HR OfficerCambrea R. Merriwether May 21, 2020 to Oct 4, 202222
- Sr. EVP Gen CounselJustin M. Long Apr 30, 2019 to now23
- Sr. EVP & Chief Admin. OfficerTawn G. Vandenberg Nov 7, 2019 to Nov 3, 202124
- Sr. EVP & Chief Info. OfficerDeborah Dinsmore Nov 7, 2017 to May 6, 202225
- Sr. EVP & Chief Admin. OfficerDonna B. Dillon Nov 7, 2017 to Feb 1, 201926
- Vice chairJ. Pat Parsons Nov 7, 2017 to Oct 4, 202227
- Sr. EVP & Chief Risk OfficerJames L. Sturgeon Nov 7, 2017 to Oct 7, 202228
- Sr. EVP & Chief Credit OfficerJoe F. West Nov 7, 2017 to now29
- Sr. EVP & Chief HR OfficerTracy Oneil Nov 7, 2017 to Feb 4, 202030
- Board memberLaura D. Bellows Jun 13, 2025 to now31
- Board memberTymothi O. Tombar Jun 12, 2024 to now32
- Board memberCynthia A. Dopjera Jul 24, 2023 to now33
- Board memberFrances H. Jeter Oct 4, 2022 to now34
- Board memberFred S. Robertson Oct 4, 2022 to now35
- Board memberGeorge Martinez Oct 4, 2022 to Sep 12, 202336
- Board memberJohn Beckworth Oct 4, 2022 to now37
- Board memberJon-Al Duplantier Oct 4, 2022 to now38
- Board memberWilliam S. Nichols Iii. Oct 4, 2022 to Mar 17, 202339
- Board memberReagan A. Reaud May 26, 2020 to now40
- Board memberGlen W. Morgan Nov 7, 2017 to Oct 4, 202241
- Board memberJ. Pat Parsons Nov 7, 2017 to Feb 3, 202227
- Board memberJoe B. Swinbank Nov 7, 2017 to now42
- Board memberJoe Penland Sr. Nov 7, 2017 to now43
- Board memberMichael A. Havard Nov 7, 2017 to Jun 12, 202444
- Board memberSheila G. Umphrey Nov 7, 2017 to Oct 4, 202245
- Board memberTommy W. Lott Nov 7, 2017 to Oct 4, 202246
- Board memberWayne A. Reaud Nov 7, 2017 to Nov 16, 201747
- Board memberWilliam E. Wilson Jr. Nov 7, 2017 to now48
Former names
Timeline
- Jan 26, 2007Founded Stellar Bancorp, Inc. is founded2
Filings
439 filings to the SEC since October 2021: 6 annual reports, 14 quarterly reports, 81 major events, 258 insider forms, 10 large holders, 70 other. The latest 20:
- Oct 8, 2026SCHEDULE 13G/A EDGAR
- Jul 14, 2026SCHEDULE 13G EDGAR
- Jul 13, 202615-12G EDGAR
- Jul 1, 2026S-8 POS EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
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- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
The 439 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
28 open-market trades by officers, directors and large owners since October 2021: 11 buys and 17 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Nov 22, 2024 | Long Justin MSEVP, GC & Secretary | Sale | 4,200 | $30.01 | $126.0K | Form 4 |
| Nov 11, 2024 | Wilson William E JrDirector | Sale | 24,000 | $30.28 | $726.7K | Form 4 |
| Nov 6, 2024 | Wilson William E JrDirector | Sale | 440 | $30.71 | $13.5K | Form 4 |
| Nov 6, 2024 | Vitulli, III Ramon A.President | Sale | 9,000 | $30.01 | $270.1K | Form 4 |
| Oct 30, 2024 | Egge Paul PSenior Executive VP, CFO | Sale | 6,404 | $28.00 | $179.3K | Form 4 |
| Oct 29, 2024 | Egge Paul PSenior Executive VP, CFO | Sale | 326 | $27.50 | $9.0K | Form 4 |
| May 24, 2024 | Long Justin MSEVP, GC & Secretary | Sale | 5,000 | $22.88 | $114.4K | Form 4 |
| Dec 4, 2023 | Akin Okan I.Senior Executive VP, CRO | Sale | 11,200 | $25.40 | $284.5K | Form 4 |
| Nov 6, 2023 | Egge Paul PSenior Executive VP, CFO | Sale | 4,000 | $23.27 | $93.1K | Form 4 |
| May 4, 2023 | Penland Joe SrDirector | Buy | 4,000 | $20.60 | $82.4K | Form 4 |
| May 4, 2023 | Penland Joe SrDirector | Buy | 16,488 | $20.92 | $344.9K | Form 4 |
| May 3, 2023 | Wilson William E JrDirector | Buy | 440 | $21.11 | $9.3K | Form 4 |
| May 3, 2023 | Williams John E JrDirector | Buy | 45,000 | $21.96 | $988.2K | Form 4 |
| May 3, 2023 | Penland Joe SrDirector | Buy | 29,512 | $21.57 | $636.6K | Form 4 |
| May 2, 2023 | Wilson William E JrDirector | Buy | 20,000 | $21.99 | $439.8K | Form 4 |
| May 2, 2023 | Penland Joe SrDirector | Buy | 50,000 | $21.75 | $1.1M | Form 4 |
| Mar 13, 2023 | Swinbank Joe BDirector | Buy | 37,841 | $26.41 | $999.4K | Form 4 |
| Mar 13, 2023 | Penland Joe SrDirector | Buy | 10,000 | $26.94 | $269.4K | Form 4 |
| Feb 3, 2023 | Williams John E JrDirector | Buy | 500 | $28.90 | $14.4K | Form 4 |
| Dec 8, 2022 | MARTINEZ GEORGEDirector | Sale | 12,808 | $29.94 | $383.5K | Form 4 |
All 28 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G/A, 2 filings Jul 14, 2026 to Oct 8, 202649
- North Reef Capital Management LPSCHEDULE 13G/A, 2 filings Feb 17, 2026 to May 15, 202650
- VANGUARD GROUP INCSCHEDULE 13G/A, 3 filings Feb 9, 2023 to Mar 27, 202651
- FJ Capital Management LLCSC 13G/A, 2 filings Feb 10, 2022 to Feb 8, 202352
- John E. Williams Jr.SC 13G, 1 filing Feb 11, 202253
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
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- 12
- 13SEC EDGARSteven F. Retzloff, Chair
- 14SEC EDGARRamon A. Vitulli Iii., President
- 15SEC EDGARTravis L. Jaggers, President
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23SEC EDGARJustin M. Long, Sr. EVP Gen Counsel
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- 27SEC EDGARJ. Pat Parsons, Vice chair
- 28
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- 31SEC EDGARLaura D. Bellows, Board member
- 32SEC EDGARTymothi O. Tombar, Board member
- 33SEC EDGARCynthia A. Dopjera, Board member
- 34SEC EDGARFrances H. Jeter, Board member
- 35SEC EDGARFred S. Robertson, Board member
- 36SEC EDGARGeorge Martinez, Board member
- 37SEC EDGARJohn Beckworth, Board member
- 38SEC EDGARJon-Al Duplantier, Board member
- 39
- 40SEC EDGARReagan A. Reaud, Board member
- 41SEC EDGARGlen W. Morgan, Board member
- 42SEC EDGARJoe B. Swinbank, Board member
- 43SEC EDGARJoe Penland Sr., Board member
- 44SEC EDGARMichael A. Havard, Board member
- 45SEC EDGARSheila G. Umphrey, Board member
- 46SEC EDGARTommy W. Lott, Board member
- 47SEC EDGARWayne A. Reaud, Board member
- 48SEC EDGARWilliam E. Wilson Jr., Board member
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