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
$1.95B
Enterprise Value$1.59B
Total Cash (Recent Filing)$2.03B
Total Debt (Recent Filing)$175.26M
Price to Earnings (P/E)18.7
Beta0.71
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 Cap0.82
Enterprise Value/Revenue2.69
Enterprise Value/Gross Profit3.84
Enterprise Value/Ebitda10.00
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 almost matching net income indicates high earnings quality and durable internal funding. This strengthens liquidity, supports dividend and capital actions, and gives flexibility for organic growth or integration spending over the next several quarters without relying on costly external financing.
Conservative Balance SheetA conservatively positioned balance sheet with low leverage and a growing equity base improves resilience to credit stress and regulatory shocks. It underpins steady lending capacity and risk-taking discipline, reducing the chance of forced capital raises and preserving franchise value through adverse cycles.
Merger Advances Strategic ScaleApproval of the Prosperity merger is a structural change that creates greater scale in Texas banking, expanding deposit and lending footprints. Increased scale can yield operating leverage, broader product capabilities and a stronger competitive position, improving long-term revenue and cost dynamics if integration executes well.
Bears Say
Sharp Revenue ContractionA nearly 50% TTM revenue decline materially weakens topline momentum and raises questions about sustainable growth drivers. Persistent top-line weakness can compress margins, limit ability to invest in origination or services, and reduce earnings resilience absent a clear, durable recovery in loan and fee income.
Cash Flow VolatilityWhile recent FCF rebounded, notable year-to-year swings indicate cash generation can be sensitive to balance-sheet movements and working capital in banking operations. That volatility complicates capital planning, dividend predictability and funding for strategic initiatives over a multi-quarter horizon.
Litigation And Governance RiskMultiple lawsuits and a failed advisory vote on merger compensation signal governance and disclosure concerns. Legal uncertainty can delay closing, increase transaction costs, distract management, and create integration risk that undermines expected merger synergies and long-term shareholder alignment.
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 $1.95B.
When is Stellar Bancorp’s upcoming earnings report date?
Stellar Bancorp’s upcoming earnings report date is Jul 24, 2026 which is in 37 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. serves as a bank holding company, offering a comprehensive array of commercial banking services. Its core clientele consists of small to medium-sized businesses, various professionals, and individual consumers. The institution provides diverse deposit options, including checking, commercial, money market, and savings accounts, along with other time deposits and certificates of deposit. Its robust loan portfolio spans commercial and industrial financing, commercial real estate loans (which cover multi-family residential properties, construction, and land development), residential real estate lending (such as 1-4 family residential mortgages and new home construction loans), plus consumer and other miscellaneous loan products. For customer convenience, Stellar Bancorp offers access via automated teller machines, drive-through services, and traditional depository facilities. It also embraces digital banking with mobile, telephone, mail, and internet-based services. Additionally, the company furnishes safe deposit boxes, debit cards, cash management and wire transfer solutions, night depository services, direct deposit functionalities, cashier's checks, and letters of credit. Established in 2007 and based in Houston, Texas, Stellar Bancorp, Inc. maintains a physical presence across the Southeast region, with locations in key Texan cities like Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas.
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
3.14% Insiders
13.59% Mutual Funds
11.02% Other Institutional Investors
50.96% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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