Financial Statements — STEL
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.55 | 0.73 | 0.58 | 0.56 | 0.52 | 0.49 | 0.40 | 0.30 | 0.30 | 0.26 | 0.37 | 0.48 | 0.77 | 1.00 | 0.79 | 0.60 |
| Net Loans & Leases | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 3.00 | 2.85 | 2.58 | 2.69 | 2.85 |
| Total Assets | 10.89 | 10.63 | 10.49 | 10.43 | 10.63 | 10.72 | 10.73 | 10.67 | 10.78 | 10.60 | 4.27 | 4.32 | 4.45 | 4.21 | 4.07 | 4.03 |
| Total Deposits | 8.98 | 8.82 | 8.67 | 8.56 | 8.74 | 8.73 | 8.79 | 8.69 | 8.77 | 8.74 | 3.72 | 3.76 | 3.82 | 3.53 | 3.42 | 3.38 |
| Total Liabilities | 9.22 | 8.97 | 8.89 | 8.82 | 9.00 | 9.16 | 9.20 | 9.20 | 9.32 | 9.16 | 3.77 | 3.80 | 3.91 | 3.64 | 3.51 | 3.48 |
| Retained Earnings | 0.59 | 0.55 | 0.53 | 0.51 | 0.47 | 0.45 | 0.43 | 0.39 | 0.36 | 0.33 | 0.26 | 0.25 | 0.24 | 0.24 | 0.23 | 0.22 |
| Total Stockholder Equity | 1.67 | 1.65 | 1.60 | 1.61 | 1.63 | 1.57 | 1.53 | 1.46 | 1.46 | 1.45 | 0.50 | 0.53 | 0.54 | 0.56 | 0.56 | 0.55 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 145.10 | 144.04 | 145.41 | 142.70 | 142.32 | 150.02 | 151.78 | 152.18 | 148.42 | 152.18 | 151.27 | 146.96 | 140.42 | 208.21 | 44.67 | 36.10 | 34.02 | 32.23 | 32.70 | 32.51 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 50.77 | 46.31 | 46.25 | 44.55 | 38.68 | 24.59 | 29.76 | 1.66 | 1.23 | 1.39 | 1.42 | 1.45 | 1.49 |
| Net Interest Income | 105.93 | 103.38 | 100.64 | 98.34 | 99.26 | 102.96 | 101.51 | 101.41 | 102.12 | 105.93 | 106.72 | 108.28 | 115.83 | 178.44 | 43.01 | 34.87 | 32.63 | 30.81 | 31.25 | 31.02 |
| Provision for Credit Losses | 3.16 | 4.78 | (0.92) | -- | -- | (1.43) | (6.34) | (1.51) | 5.32 | 0.69 | 1.50 | 4.24 | 3.20 | 42.46 | 1.01 | 0.13 | 0.44 | (1.21) | (4.89) | (5.08) |
| Non-interest Income | 5.11 | 5.51 | 4.99 | 5.79 | 5.51 | 5.03 | 6.30 | 5.42 | 6.30 | 6.89 | 4.70 | 5.48 | 7.50 | 8.03 | 3.45 | 3.55 | 5.33 | 4.10 | 5.56 | 3.49 |
| Non-interest Expense | 75.16 | 72.16 | 73.14 | 70.00 | 70.17 | 75.27 | 71.07 | 71.22 | 71.41 | 77.94 | 70.75 | 69.21 | 72.60 | 118.35 | 29.32 | 23.76 | 24.65 | 34.83 | 24.37 | 25.20 |
| Pretax Income | 33.38 | 31.60 | 32.18 | 33.03 | 30.97 | 31.78 | 42.73 | 37.55 | 32.91 | 33.83 | 38.35 | 42.64 | 47.06 | 18.99 | 16.13 | 14.53 | 12.87 | 1.29 | 17.33 | 14.40 |
| Tax Provision | 6.41 | 5.45 | 6.51 | 6.68 | 6.26 | 6.57 | 8.84 | 7.79 | 6.76 | 6.56 | 7.45 | 7.47 | 9.91 | 2.61 | 3.38 | 2.83 | 2.28 | 1.83 | 2.91 | 2.69 |
| Net Income | 26.97 | 26.15 | 25.67 | 26.35 | 24.70 | 25.21 | 33.89 | 29.75 | 26.15 | 27.27 | 30.91 | 35.17 | 37.15 | 16.38 | 12.75 | 11.71 | 10.60 | (0.55) | 14.42 | 11.70 |
| Basic EPS | 0.53 | 0.52 | 0.50 | 0.51 | 0.46 | 0.47 | 0.63 | 0.56 | 0.49 | 0.51 | 0.58 | 0.66 | 0.70 | 0.05 | 0.52 | 0.48 | 0.43 | (0.02) | 0.59 | 0.48 |
| Diluted EPS | 0.53 | 0.52 | 0.50 | 0.51 | 0.46 | 0.47 | 0.63 | 0.56 | 0.49 | 0.51 | 0.58 | 0.66 | 0.70 | 0.04 | 0.52 | 0.48 | 0.43 | (0.03) | 0.59 | 0.48 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 16.51 | 13.30 | 63.63 | 25.76 | (5.68) | 3.88 | 59.53 | 38.11 | 31.10 | 31.33 | 38.90 | 48.97 | 49.02 | 69.34 | 18.87 | 14.35 | 6.50 | (20.17) | 30.50 | 8.58 |
| Capital Expenditures | 0.27 | 1.27 | 1.15 | 1.21 | 0.77 | 1.27 | 1.84 | 0.99 | 0.56 | 1.24 | 3.14 | 1.24 | 1.24 | -- | -- | -- | -- | -- | -- | -- |
| Free Cash Flow* | 16.24 | 12.03 | 62.48 | 24.55 | (6.45) | 2.61 | 57.69 | 37.13 | 30.54 | 30.09 | 35.76 | 47.73 | 47.78 | -- | -- | -- | -- | -- | -- | -- |
| Investing Cash Flow | 31.83 | (478.74) | 24.91 | (41.77) | 147.38 | 113.52 | 138.93 | 103.27 | (109.63) | 160.50 | 91.62 | (159.89) | 203.03 | 511.09 | (83.96) | (181.08) | (172.28) | (324.64) | 69.04 | 146.32 |
| Financing Cash Flow | 81.78 | 156.44 | 61.81 | 33.55 | (492.34) | 277.60 | (172.49) | (50.87) | 79.04 | (94.86) | (132.33) | 151.67 | (360.41) | (386.54) | (48.43) | (120.29) | (13.38) | 296.17 | 110.83 | 28.84 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q4
2021 | Q3
2021 | Q2
2021 | Q1
2021 | Q4
2020 | Q3
2020 |
|---|
| Dividends Per Share | 0.15 | 0.15 | 0.14 | 0.14 | 0.14 | 0.14 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.10 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.10 | 0.10 |
