Stellar Bancorp (STEL)
NYSE:STEL
STEL Stock Chart & Stats
$37.70
-$0.23(-0.84%)
At close: 4:00 PM EST
$37.70
-$0.23(-0.84%)
Day’s Range― - ―
52-Week Range$24.59 - $40.21
Previous CloseN/A
Volume51.15K
Average Volume (3M)244.73K
Market Cap
$1.90B
Enterprise Value$1.53B
Total Cash (Recent Filing)$2.22B
Total Debt (Recent Filing)$40.23M
Price to Earnings (P/E)15.6
Beta0.69
Next Earnings
Apr 24, 2026EPS Estimate
0.5Next Dividend Ex-DateN/A
Dividend Yield1.82%
Share Statistics
EPS (TTM)0.59
Shares Outstanding50,772,217
10 Day Avg. Volume238,155
30 Day Avg. Volume244,731
Financial Highlights & Ratios
PEG Ratio-2.09
Price to Book (P/B)0.96
Price to Sales (P/S)2.69
P/FCF Ratio17.29
Enterprise Value/Market Cap0.81
Enterprise Value/Revenue2.57
Enterprise Value/Gross Profit3.71
Enterprise Value/Ebitda10.20
Forecast
1Y Price Target
$44.00Price Target Upside16.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.16
Revenue Forecast (FY)$446.08M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and steadily improving debt-to-equity provide durable financial flexibility. This conservatism supports regulatory capital, enables opportunistic deployment of capital for growth or payouts, and increases resilience to regional credit cycles over the next several quarters.
Consistent Cash GenerationFree cash flow tracking net income demonstrates reliable cash conversion and earnings quality. Steady cash generation supports dividends, buybacks, debt paydowns and M&A funding capacity, enabling strategic flexibility and sustaining shareholder distributions over a multi-quarter horizon.
Merger Expands Scale And Market PositionThe announced merger with Prosperity materially increases scale and deposit footprint in Texas, deepens commercial relationships, and folds Stellar into a larger, relationship-focused franchise. Greater scale can lower funding costs, broaden product distribution and strengthen competitive positioning long term.
Bears Say
Softening Revenue And EPS MomentumA decline in revenue and stepped-down net income signals weakening top-line momentum and constrained earnings power. Over several quarters this can limit reinvestment, slow loan growth initiatives and compress medium-term profit trajectories absent sustained margin or fee expansion.
Rising Credit Provisions And NPAsIncreases in nonperforming assets and provisions indicate emerging credit stress in the loan portfolio. Persisting credit costs would erode underwriting profitability, raise reserve needs and consume capital, impairing earnings and strategic options through the next 2–6 months.
Moderate And Declining ROEA roughly 6% ROE, down from prior mid-single-digit levels, signals lower efficiency of capital deployment. Sustained subpar ROE versus peers limits long-term shareholder returns and reduces capacity to fund growth without dilutive capital actions or material margin improvement.
Stellar Bancorp News
STEL FAQ
What was Stellar Bancorp’s price range in the past 12 months?
Stellar Bancorp lowest stock price was $24.59 and its highest was $40.21 in the past 12 months.
What is Stellar Bancorp’s market cap?
Stellar Bancorp’s market cap is $1.90B.
When is Stellar Bancorp’s upcoming earnings report date?
Stellar Bancorp’s upcoming earnings report date is Apr 24, 2026 which is in 8 days.
How were Stellar Bancorp’s earnings last quarter?
Stellar Bancorp released its earnings results on Jan 28, 2026. The company reported $0.587 earnings per share for the quarter, beating the consensus estimate of $0.514 by $0.073.
Is Stellar Bancorp overvalued?
According to Wall Street analysts Stellar Bancorp’s price is currently Undervalued.
Does Stellar Bancorp pay dividends?
Stellar Bancorp pays a Quarterly dividend of $0.15 which represents an annual dividend yield of 1.82%. See more information on Stellar Bancorp dividends here
What is Stellar Bancorp’s EPS estimate?
Stellar Bancorp’s EPS estimate is 0.5.
How many shares outstanding does Stellar Bancorp have?
Stellar Bancorp has 50,772,217 shares outstanding.
What happened to Stellar Bancorp’s price movement after its last earnings report?
Stellar Bancorp reported an EPS of $0.587 in its last earnings report, beating expectations of $0.514. Following the earnings report the stock price went up 11.615%.
Which hedge fund is a major shareholder of Stellar Bancorp?
Currently, no hedge funds are holding shares in STEL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Stellar Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$44.00 (16.71% Upside)
$44.00 (16.71% Upside)
Hedge Fund Trend
Decreased
By 12.6K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.12%
12-Months-Change
Fundamentals
Return on Equity
6.38%
Trailing 12-Months
Asset Growth
-2.15%
Trailing 12-Months
Company Description
Stellar Bancorp
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.
STEL Stock 12 Month Forecast
Average Price Target
$44.00
▲(16.71% Upside)
Technical Analysis
1St Source
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German American Bancorp
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Lakeland Financial
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National Bank Holdings
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Columbia Financial
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Ownership Overview
9.87% Insiders
13.49% Mutual Funds
13.71% Other Institutional Investors
41.17% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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