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Stellar Bancorp ( (STEL) ) just unveiled an update.
On April 1, 2026, Stellar Bancorp, Inc. fully redeemed the remaining $30.0 million principal amount of its 4.70% fixed-to-floating rate subordinated notes due 2029. The redemption price equaled 100% of the principal plus accrued and unpaid interest up to, but excluding, the April 1, 2026 redemption date.
This transaction retired all outstanding notes in the issue, simplifying Stellar Bancorp’s capital structure and eliminating this particular subordinated debt obligation ahead of its 2029 maturity. The move may reduce future interest expense and provide the bank with greater flexibility in managing its balance sheet and regulatory capital profile.
The most recent analyst rating on (STEL) stock is a Buy with a $43.00 price target. To see the full list of analyst forecasts on Stellar Bancorp stock, see the STEL Stock Forecast page.
Spark’s Take on STEL Stock
According to Spark, TipRanks’ AI Analyst, STEL is a Outperform.
The score is driven primarily by strong financial positioning (notably very low leverage) and favorable technical trend signals (price above major moving averages with positive MACD). Offsetting factors include softer 2025 revenue/earnings momentum and only average valuation support (P/E ~19 and modest yield), while corporate events—especially the announced Prosperity merger—add a positive strategic catalyst.
To see Spark’s full report on STEL stock, click here.
More about Stellar Bancorp
Stellar Bancorp, Inc. operates as a U.S. regional banking holding company, providing commercial and consumer banking products and services. The company focuses on lending, deposit, and treasury solutions for businesses and individuals in its markets, and finances its operations in part through various debt instruments, including subordinated notes.
Average Trading Volume: 550,219
Technical Sentiment Signal: Buy
Current Market Cap: $1.86B
For a thorough assessment of STEL stock, go to TipRanks’ Stock Analysis page.