Want to see STEL full AI Analyst Report?
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$28.22 - $40.21
Previous CloseN/A
Volume51.15K
Average Volume (3M)244.73K
Market Cap
$2.00B
Enterprise Value$1.57B
Total Cash (Recent Filing)$2.03B
Total Debt (Recent Filing)$175.26M
Price to Earnings (P/E)19.2
Beta0.70
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 Cap0.79
Enterprise Value/Revenue2.66
Enterprise Value/Gross Profit3.80
Enterprise Value/Ebitda9.90
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
Cash Generation QualityVery high FCF-to-net-income (~98%) signals durable earnings quality and strong cash conversion. Over the next 2–6 months this underpins flexibility to fund integration costs, pay dividends or reduce liabilities, and supports resilience through cyclical loan book or rate swings.
Conservative Balance SheetLow reported leverage and meaningful equity growth create a resilient capital base that improves loss-absorption capacity and regulatory headroom. This conservatism supports stable lending operations and a smoother integration into Prosperity without immediate capital raises.
Completed Strategic MergerThe completed merger is a structural change that increases scale and geographic reach, enabling cost and product synergies. Over months, the combined franchise can leverage broader commercial capabilities and treasury services to improve revenue mix and competitive position in Texas regional banking.
Bears Say
Sharp Revenue ContractionA circa 46% TTM revenue drop signals structural top-line pressure that may persist absent successful portfolio re-pricing or new client flows. Sustained revenue weakness compresses margins and limits organic capital generation, raising execution risk during integration and planning horizons.
Shareholder Litigation RiskOngoing litigation and disclosure challenges create legal and reputational tail risks that can increase transaction costs, delay integration milestones, and divert management attention. Such disputes can persist for months and add contingent liabilities or require supplemental disclosures.
Moderate Returns On EquityROE around 6% TTM is modest for a regional bank and implies limited intrinsic profitability versus peers. Without material margin expansion or revenue recovery post-merger, investor returns and capacity for higher capital returns may remain constrained over the next several quarters.
Stellar Bancorp News
STEL FAQ
What was Stellar Bancorp’s price range in the past 12 months?
Stellar Bancorp lowest stock price was $28.22 and its highest was $40.21 in the past 12 months.
What is Stellar Bancorp’s market cap?
Stellar Bancorp’s market cap is $2.00B.
When is Stellar Bancorp’s upcoming earnings report date?
Stellar Bancorp’s upcoming earnings report date is Jul 24, 2026 which is in 16 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
1
2
3
4
5
6
7
8
9
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
―
German American Bancorp
―
Lakeland Financial
―
National Bank Holdings
―
Columbia Financial
―
Ownership Overview
― Insiders
13.82% Mutual Funds
0.31% Other Institutional Investors
80.56% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---