---
schema_version: "secwatch.filing_event.v1"
accession: "0001473844-25-000016"
form_type: "8-K/A"
ticker: "STEL"
cik: "0001473844"
company_name: "Stellar Bancorp, Inc."
filed_at: "2025-03-03T23:59:59+00:00"
generated_at: "2026-05-25T17:27:41.977902+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Stellar Bancorp corrects Q4 earnings: payroll error adds $3.3M to expenses, net income $115M

## Summary
- Payroll accrual error increased noninterest expense by $3.3M (salaries/benefits).
- Full-year 2024 net income corrected to $115.0M, down from previously reported.
- Error deemed not material; no quarterly Form 10-Q amendments required.
- Correction reflected in Annual Report on Form 10-K filed March 3, 2025.

## SEC filing metadata
- accession: 0001473844-25-000016
- form_type: 8-K/A
- ticker: STEL
- cik: 0001473844
- company_name: Stellar Bancorp, Inc.
- filed_at: 2025-03-03T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1473844/000147384425000016/0001473844-25-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1473844/000147384425000016/stel-20250130.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001473844-25-000016
- JSON: https://secwatch.observer/filing/0001473844-25-000016.json
- Plain text: https://secwatch.observer/filing/0001473844-25-000016.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.