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Stellar Bancorp Inc

STEL

31.430USD

+0.660+2.14%

Market hours （ET）Quotes delayed by 15 min

1.62BMarket Cap

14.66P/E TTM



Stellar Bancorp Inc

31.430

+0.660+2.14%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-17

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, 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.

Score

Industry at a Glance

Industry Ranking

97 / 400

Overall Ranking

208 / 4723

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 5 analysts

Hold

Current Rating

31.600

Target Price

+3.78%

Upside Space

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

Company 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 Growth

The company's revenue has grown steadily over the past 3 years, averaging 40.50% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 123.60.

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 0.99, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 35.94M shares, decreasing 5.04% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 3.24M shares of this stock.

Financial Health

Currency: USD Updated：2025-09-17

The company's current financial score is 8.27, which is higher than the Banking Services industry's average of 7.07. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 101.08M, representing a year-over-year decrease of 2.99%, while its net profit experienced a year-over-year decrease of 11.43%.

Score

Industry at a Glance

Previous score

8.27

Change



Financials

6.73

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.60

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.00

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-17

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 14.79, which is 0.60% below the recent high of 14.88 and 15.49% above the recent low of 12.50.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 97/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-17

The company’s current earnings forecast score is 6.40, which is lower than the Banking Services industry's average of 7.39. The average price target for Stellar Bancorp Inc is 32.00, with a high of 34.00 and a low of 30.00.

Score

Industry at a Glance

Previous score

6.40

Change

Support & Resistance

No Data

Analyst Rating

Based on 5 analysts

Hold

Current Rating

31.600

Target Price

+3.78%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Stellar Bancorp Inc

STEL

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

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：2025-09-17

The company’s current price momentum score is 7.31, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 31.89 and the support level at 29.50, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.03

Change

0.28

Support & Resistance

No Data

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(3)

Neutral(3)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.170

Neutral

RSI(14)

51.410

Neutral

STOCH(KDJ)(9,3,3)

33.687

Sell

ATR(14)

0.626

Low Volatility

CCI(14)

-47.162

Neutral

Williams %R

66.323

Sell

TRIX(12,20)

0.187

Sell

StochRSI(14)

28.278

Buy

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

30.988

Buy

MA10

31.149

Buy

MA20

30.903

Buy

MA50

30.444

Buy

MA100

28.793

Buy

MA200

28.490

Buy

Institutional Confidence

Currency: USD Updated：2025-09-17

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 69.99%, representing a quarter-over-quarter decrease of 0.36%. The largest institutional shareholder is The Vanguard, holding a total of 3.24M shares, representing 6.32% of shares outstanding, with 3.51% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

6.85M

-3.28%

The Vanguard Group, Inc.

Star Investors

3.25M

-0.39%

Dimensional Fund Advisors, L.P.

2.12M

+6.43%

State Street Global Advisors (US)

2.05M

-5.76%

Penland (Joe E Sr)

1.54M

+0.14%

Williams (John E Jr)

1.29M

+0.17%

Luther King Capital Management Corp.

1.28M

Geode Capital Management, L.L.C.

1.14M

+3.15%

William Blair Investment Management, LLC

1.16M

-4.44%

Risk Assessment

Currency: USD Updated：2025-09-17

The company’s current risk assessment score is 5.90, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.82. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.