Stellar Bancorp (STEL)
NYSE:STEL
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STEL Stock Chart & Stats
$37.95
-$0.23(-0.84%)
At close: 4:00 PM EST
$37.95
-$0.23(-0.84%)
Day’s Range― - ―
52-Week Range$26.30 - $40.21
Previous CloseN/A
Volume51.15K
Average Volume (3M)244.73K
Market Cap
$1.91B
Enterprise Value$1.53B
Total Cash (Recent Filing)$2.03B
Total Debt (Recent Filing)$175.26M
Price to Earnings (P/E)17.3
Beta0.72
Next Earnings
Jul 24, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield1.82%
Share Statistics
EPS (TTM)2.05
Shares Outstanding50,920,696
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 Cap0.80
Enterprise Value/Revenue2.59
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda10.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.22
Revenue Forecast (FY)$445.90M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationFree cash flow closely tracking net income (~98%) signals high earnings quality and internal funding capacity. Durable cash generation enhances the bank’s ability to sustain dividends, repay or redeem debt, and fund organic loan growth without relying on volatile external capital, improving long-term flexibility.
Conservative Balance SheetA conservatively positioned balance sheet with low leverage and a growing equity base reduces solvency risk through economic cycles. This structural strength supports regulatory capital ratios and gives management room to absorb credit shocks or pursue strategic actions such as M&A or targeted lending expansion over the medium term.
Scale & Core Earnings Momentum Via MergerReported Q1 loan growth and rising NIM, plus regulatory approvals for the Prosperity merger, point to structural scale gains. Combining with a larger Texas franchise can deepen customer relationships, expand product capabilities and lower per-unit costs, driving more durable revenue and efficiency improvements over time.
Bears Say
Sharp Revenue ContractionA ~46% TTM revenue decline is a material structural headwind that can compress long-term earnings power and limit reinvestment capacity. Persistently lower top-line growth forces reliance on margin or cost fixes to sustain profit and raises questions about the durability of franchise growth absent new business drivers.
Merger Litigation OverhangActive shareholder suits alleging inadequate disclosures on the Prosperity merger create execution risk and potential delays or remediation costs. Legal overhang can postpone strategic benefits from the combination, create uncertainty for integration planning, and impose costs that erode expected long-term synergies if not resolved cleanly.
Only Mid‑Tier Returns On EquityModerate ROE (around 6% TTM) limits the bank’s ability to deliver standout shareholder returns versus peers. Structurally middling profitability reduces capital efficiency, constrains dividend growth potential, and may make it harder to fund expansion or compete aggressively for higher-yielding lending opportunities over the medium term.
Stellar Bancorp News
STEL FAQ
What was Stellar Bancorp’s price range in the past 12 months?
Stellar Bancorp lowest stock price was $26.30 and its highest was $40.21 in the past 12 months.
What is Stellar Bancorp’s market cap?
Stellar Bancorp’s market cap is $1.91B.
When is Stellar Bancorp’s upcoming earnings report date?
Stellar Bancorp’s upcoming earnings report date is Jul 24, 2026 which is in 58 days.
How were Stellar Bancorp’s earnings last quarter?
Stellar Bancorp released its earnings results on Apr 28, 2026. The company reported $0.58 earnings per share for the quarter, beating the consensus estimate of $0.5 by $0.08.
Is Stellar Bancorp overvalued?
According to Wall Street analysts Stellar Bancorp’s price is currently Overvalued.
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 0.56.
How many shares outstanding does Stellar Bancorp have?
Stellar Bancorp has 50,920,696 shares outstanding.
What happened to Stellar Bancorp’s price movement after its last earnings report?
Stellar Bancorp reported an EPS of $0.58 in its last earnings report, beating expectations of $0.5. Following the earnings report the stock price went down -0.718%.
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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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.12%
12-Months-Change
Fundamentals
Return on Equity
6.38%
Trailing 12-Months
Asset Growth
4.36%
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.
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
9.99% Insiders
13.87% Mutual Funds
11.02% Other Institutional Investors
43.60% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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