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Stellar Bancorp (STEL)
NYSE:STEL
Total Valuation
Stellar Bancorp has a market cap or net worth of $1.81B. The enterprise value is $1.43B.
Market Cap$1.81B
Enterprise Value$1.43B
Share Statistics
Stellar Bancorp has 50,772,217 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding50,772,217
Owned by Insiders9.77%
Owned by Institutions6.79%
Financial Efficiency
Stellar Bancorp’s return on equity (ROE) is 0.06 and return on invested capital (ROIC) is 0.95%.
Return on Equity (ROE)0.06
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.95%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee565.71K
Profits Per Employee97.60K
Employee Count1,054
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Stellar Bancorp is 15.6. Stellar Bancorp’s PEG ratio is -2.09.
PE Ratio15.6
PS Ratio2.69
PB Ratio0.96
Price to Fair Value0.96
Price to FCF17.29
Price to Operating Cash Flow18.81
PEG Ratio-2.09
Income Statement
In the last 12 months, Stellar Bancorp had revenue of 596.26M and earned 102.87M in profits. Earnings per share was 1.99.
Revenue596.26M
Gross Profit413.25M
Operating Income127.78M
Pretax Income127.78M
Net Income102.87M
EBITDA127.78M
Earnings Per Share (EPS)1.99
Cash Flow
In the last 12 months, operating cash flow was 97.00M and capital expenditures -2.04M, giving a free cash flow of 96.64M billion.
Operating Cash Flow97.00M
Free Cash Flow96.64M
Free Cash Flow per Share1.90
Dividends & Yields
Stellar Bancorp pays an annual dividend of $0.15, resulting in a dividend yield of 1.82%
Dividend Per Share$0.15
Dividend Yield1.82%
Payout Ratio25.36%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.71
52-Week Price Change34.47%
50-Day Moving Average35.65
200-Day Moving Average31.28
Relative Strength Index (RSI)37.41
Average Volume (3m)244.73K
Important Dates
Stellar Bancorp upcoming earnings date is Apr 24, 2026, TBA (Confirmed).
Last Earnings DateJan 28, 2026
Next Earnings DateApr 24, 2026
Ex-Dividend Date―
Financial Position
Stellar Bancorp as a current ratio of 31.79, with Debt / Equity ratio of 2.41%
Current Ratio31.79
Quick Ratio31.79
Debt to Market Cap0.03
Net Debt to EBITDA-2.97
Interest Coverage Ratio0.74
Taxes
In the past 12 months, Stellar Bancorp has paid 24.91M in taxes.
Income Tax24.91M
Effective Tax Rate0.19
Enterprise Valuation
Stellar Bancorp EV to EBITDA ratio is 9.56, with an EV/FCF ratio of 13.20.
EV to Sales2.05
EV to EBITDA9.56
EV to Free Cash Flow13.20
EV to Operating Cash Flow12.60
Balance Sheet
Stellar Bancorp has $2.22B in cash and marketable securities with $40.23M in debt, giving a net cash position of $2.18B billion.
Cash & Marketable Securities$2.22B
Total Debt$40.23M
Net Cash$2.18B
Net Cash Per Share$43.02
Tangible Book Value Per Share$21.26
Margins
Gross margin is 69.31%, with operating margin of 21.43%, and net profit margin of 17.25%.
Gross Margin69.31%
Operating Margin21.43%
Pretax Margin21.43%
Net Profit Margin17.25%
EBITDA Margin21.43%
EBIT Margin21.43%
Analyst Forecast
The average price target for Stellar Bancorp is $44.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$44.00
Price Target Upside23.15% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-4.40%
EPS Growth Forecast-8.80%