use javap to check how the compiler is trying to optimize the code, i first scenario, a concatenation happen using the StringBuilder and finally toString is called
Code:
0: ldc #16 // String ,
2: astore_1
3: new #18 // class java/lang/StringBuilder
6: dup
7: ldc #20 // String Hello
9: invokespecial #22 // Method java/lang/StringBuilder."<init>":(Ljava/lang/String;)V
12: aload_1
13: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
16: ldc #29 // String Welcome
18: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
21: aload_1
22: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
25: ldc #31 // String to
27: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
30: aload_1
31: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
34: ldc #33 // String Stack
36: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
39: aload_1
40: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
43: ldc #35 // String overflow
45: invokevirtual #25 // Method java/lang/StringBuilder.append:(Ljava/lang/String;)Ljava/lang/StringBuilder;
48: invokevirtual #37 // Method java/lang/StringBuilder.toString:()Ljava/lang/String;
51: astore_2
Scenario 2
52: ldc #41 // String Hello,Welcome,to,Stack,overflow
54: astore_2
55: return