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$25.48 - $40.21
Previous CloseN/A
Volume51.15K
Average Volume (3M)244.73K
Market Cap
$1.89B
Enterprise Value$1.54B
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
0.54Next 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 Cap0.81
Enterprise Value/Revenue2.60
Enterprise Value/Gross Profit3.72
Enterprise Value/Ebitda10.12
Forecast
1Y Price Target
$44.00Price Target Upside15.94% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.16
Revenue Forecast (FY)$446.08M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationTTM operating and free cash flow closely track net income (free cash flow ~98% of net income), indicating high earnings quality and reliable internal funding. Durable cash generation supports dividends, debt paydowns, merger integration funding, and resilience through credit cycles.
Conservative Balance SheetReported low leverage and meaningful equity growth since 2021 create a conservatively positioned balance sheet. This capital resilience eases regulatory scrutiny, supports capital actions (e.g., subordinated note redemption), and provides buffer against stress, aiding long-term stability.
Merger Increases ScaleReceipt of required regulatory approvals and a scheduled shareholder vote represent a structural change: the planned Prosperity merger will materially increase Texas scale, expand product capabilities and potential cost efficiencies, strengthening competitive positioning if integration is executed well.
Bears Say
Sharp Revenue DeclineA steep TTM revenue contraction (≈46%) signals weakening top-line momentum. Persistent revenue decline can erode the franchise, limit reinvestment capacity, and force margin tradeoffs; net income holding up today may mask longer-term pressure on sustainable earnings growth.
Cash Flow VolatilityDespite strong recent free cash flow, year-to-year volatility is a material risk. Rate- and balance-sheet-driven swings reduce predictability for dividends, capital deployment, and merger integration funding, and raise vulnerability to adverse economic or credit cycle shifts.
Moderate Returns/profitabilityROE and margin metrics are middling (ROE ~6–9%, ~6% TTM) and margins trail 2021–2023 levels. This moderate profitability may limit shareholder returns and constrain the bank's ability to out-invest peers, posing a structural challenge to long-term value creation absent margin or revenue recovery.
Stellar Bancorp News
STEL FAQ
What was Stellar Bancorp’s price range in the past 12 months?
Stellar Bancorp lowest stock price was $25.48 and its highest was $40.21 in the past 12 months.
What is Stellar Bancorp’s market cap?
Stellar Bancorp’s market cap is $1.89B.
When is Stellar Bancorp’s upcoming earnings report date?
Stellar Bancorp’s upcoming earnings report date is Jul 24, 2026 which is in 79 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 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 0.54.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$44.00 (15.94% Upside)
$44.00 (15.94% 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
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.
STEL Stock 12 Month Forecast
Average Price Target
$44.00
▲(15.94% 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
9.99% Insiders
13.94% Mutual Funds
1.86% Other Institutional Investors
52.67% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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