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Stellar Bancorp Inc

STEL

35.840USD

-0.410-1.13%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

558.22MMarket Cap

18.03P/E TTM



Stellar Bancorp Inc

35.840

-0.410-1.13%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Stellar Bancorp Inc

Currency: USD Updated: 2026-03-27

Key Insights

Stellar Bancorp Inc's fundamentals are relatively very healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 60 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 36.00.In the medium term, the stock price is expected to trend up.Despite a weak stock market performance over the past month, the company shows strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Stellar Bancorp Inc's Score

Industry at a Glance

Industry Ranking

60 / 400

Overall Ranking

117 / 4542

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

Stellar Bancorp Inc Highlights

StrengthsRisks

Stellar Bancorp, Inc. is a bank holding company. Through its wholly owned subsidiary, Stellar Bank (the Bank), the Company provides a diversified range of commercial banking services primarily to small-to-medium-sized businesses, professionals and individual customers within its markets. The Company offers a range of commercial and retail lending services, including commercial loans, loans to small businesses guaranteed by the small business administration (the SBA), mortgage loans, home equity loans, personal loans and automobile loans, among others. The types of deposit accounts that the Company offers are typical of most commercial banks and consist of checking accounts, commercial accounts, money market accounts, savings accounts and other time deposits of various types and terms. The Company operates over 54 full-service banking centers, with 37 banking centers in the Houston region, 16 banking centers in the Beaumont region and one banking center in Dallas, Texas.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 24.62%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 24.62%.

Overvalued

The company’s latest PB is 1.09, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 32.09M shares, decreasing 5.37% quarter-over-quarter.

Held by CI Select Canadian Equity Fund

Star Investor CI Select Canadian Equity Fund holds 319.00 shares of this stock.

Analyst Rating

Based on 3 analysts

Buy

Current Rating

36.000

Target Price

-0.63%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-03-27

The current financial score of Stellar Bancorp Inc is 8.76, ranking 71 out of 400 in the Banking Services industry. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 106.58M, representing a year-over-year increase of 0.80%, while its net profit experienced a year-over-year increase of 3.71%.

Score

Industry at a Glance

Previous score

8.76

Change



Financials

8.25

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

6.67

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

8.86

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Stellar Bancorp Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of Stellar Bancorp Inc is 7.68, ranking 208 out of 400 in the Banking Services industry. Its current P/E ratio is 18.03, which is 13.50% below the recent high of 20.47 and 47.61% above the recent low of 9.45.

Score

Industry at a Glance

Previous score

7.68

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 60/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of Stellar Bancorp Inc is 7.33, ranking 156 out of 400 in the Banking Services industry. The average price target is 32.00, with a high of 33.00 and a low of 30.00.

Score

Industry at a Glance

Previous score

7.33

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 3 analysts

Buy

Current Rating

36.000

Target Price

-0.63%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

307

Total

Median

Average

Company name

Ratings

Analysts

Stellar Bancorp Inc

STEL

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-03-27

The current price momentum score of Stellar Bancorp Inc is 6.86, ranking 267 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 37.71 and the support level at 34.48, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.08

Change

-0.22

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(3)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

-0.038

Sell

RSI(14)

42.639

Neutral

STOCH(KDJ)(9,3,3)

58.142

Neutral

ATR(14)

0.595

Low Volatility

CCI(14)

15.292

Neutral

Williams %R

59.524

Sell

TRIX(12,20)

-0.204

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(3)

Neutral(0)

Buy(3)

Indicators

Value

Direction

MA5

36.142

Sell

MA10

35.828

Buy

MA20

36.280

Sell

MA50

36.610

Sell

MA100

33.900

Buy

MA200

31.911

Buy

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Stellar Bancorp Inc is 5.00, ranking 152 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 63.21%, representing a quarter-over-quarter increase of 1.81%. The largest institutional shareholder is The Vanguard, holding a total of 3.26M shares, representing 6.43% of shares outstanding, with 1.88% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

6.16M

-1.23%

The Vanguard Group, Inc.

Star Investors

3.25M

+0.04%

North Reef Capital Management LP

1.83M

+18.83%

Dimensional Fund Advisors, L.P.

2.30M

+2.13%

State Street Investment Management (US)

2.19M

+3.49%

Penland (Joe E Sr)

1.54M

+0.14%

Williams (John E Jr)

1.29M

+0.17%

Luther King Capital Management Corp.

1.28M

Millennium Management LLC

1.24M

+34.57%

Geode Capital Management, L.L.C.

1.11M

+1.14%

Risk Assessment

Currency: USD Updated: 2026-03-27

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Stellar Bancorp Inc is 8.41, ranking 92 out of 400 in the Banking Services industry. The company's beta value is 0.77. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.