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Stellar Bancorp ( (STEL) ) has provided an announcement.
On January 28, 2026, Stellar Bancorp, Inc. reported fourth-quarter 2025 net income of $26.1 million, or $0.51 per diluted share, and full-year 2025 net income of $102.9 million, or $1.99 per diluted share, reflecting solid profitability, stronger net interest margin, and continued balance sheet growth despite a modest decline in annual net interest income. Throughout 2025 the bank improved its book and tangible book value per share, repurchased nearly 300,000 shares, redeemed $30 million of subordinated debt, and grew loans and deposits while maintaining low net charge-offs, though nonperforming assets and the provision for credit losses increased; the company also cancelled its planned January 30, 2026 earnings conference call after announcing a merger agreement with Prosperity Bancshares, signaling a potential strategic shift for shareholders and customers as Stellar prepares to integrate into a larger banking platform.
The most recent analyst rating on (STEL) stock is a Buy with a $36.00 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.
Stellar Bancorp’s overall stock score is driven by its solid financial performance and positive technical indicators. The company’s strategic initiatives, such as the dividend increase and strong deposit growth, are positive, but challenges in revenue growth and increased expenses present near-term risks. The stock is reasonably valued, making it an attractive option for investors seeking stability and moderate growth potential.
To see Spark’s full report on STEL stock, click here.
More about Stellar Bancorp
Stellar Bancorp, Inc. is a Houston, Texas-based bank holding company whose principal subsidiary, Stellar Bank, offers a diversified range of commercial banking services, focusing primarily on small- to medium-sized businesses and individual customers across Houston, Dallas, Beaumont and surrounding communities in Texas.
Average Trading Volume: 233,870
Technical Sentiment Signal: Buy
Current Market Cap: $1.67B
Learn more about STEL stock on TipRanks’ Stock Analysis page.