Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

STEL stock hub

Stellar Bancorp, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.9B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

STEL

In the news

Latest news · STEL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E17.1

P25 8.8P50 10.4P75 13.1

Trailing P/E18.2

P25 10.9P50 14.7P75 36.2

ROE6.4

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All STEL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

229

Groups with data

Currency

USD

Showing 229 of 229 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001473844
Company name	Stellar Bancorp, Inc.
Country	United States
Country code	US
Cusip	858927106
Employees	1,053
Employees Change	30%
Employees Change Percent	2.93
Enterprise value	$1.5B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US8589271068
Last refreshed	2026-05-10
Market cap	$1.9B
Market cap category	Small-Cap
Price	$37.46
Price currency	USD
Rev Per Employee	399,491.93x
Sector	Financials
Sic	6021
Symbol	STEL
Website	https://www.stellar.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	5.51%
EV Earnings	14.73x
EV Sales Forward	3.37x
EV/FCF	13.43x
EV/Sales	3.68x
FCF yield	6.04%
Forward P/E	17.08x
P/B ratio	1.14x
P/E ratio	18.23x
P/S ratio	4.53x
PE Ratio10 Y	13.21x
PE Ratio3 Y	13.08x
PE Ratio5 Y	12.53x
PS Forward	4.15x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	27.41%
Gross Profit	$420.7M
Net Income	$105.1M
Net Income Growth	-7.42%
Net Income Growth Q	9.17%
Net Income Growth Quarters	2%
Net Income Growth Years	0%
Net Income Growth3 Y	14.56%
Net Income Growth5 Y	11.86%
Pretax Margin	30.95%
Profit Margin	24.99%
Profit Per Employee	$99,844
Profitable Years	11
ROA	0.99
Roa5y	1.01
ROE	6.41
Roe5y	7.53

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	48.53%
Cagr3y	20.59%
Cagr5y	5.64%
Div CAGR3	3.71%
Div CAGR5	6.17%
EPS Growth	-3.11
EPS Growth Q	15.22
EPS Growth Quarters	2
EPS Growth Years	0
EPS Growth3 Y	6.36
EPS Growth5 Y	-6.93
FCF Growth	26.74%
FCF Growth3 Y	-5.62%
FCF Growth5 Y	12.04%
OCF Growth	24.37%
OCF Growth10 Y	17.59%
OCF Growth3 Y	-5.68%
OCF Growth5 Y	10.64%
Revenue Growth	-2.34x
Revenue Growth Q	7.33x
Revenue Growth Quarters	1x
Revenue Growth Years	0x
Revenue Growth3 Y	9.45x
Revenue Growth5 Y	15.63x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$10.9B
Cash	$553.7M
Debt	$194.9M
Debt FCF	$1.69
Equity	$1.7B
Liabilities	$9.2B
Net Cash	$358.8M
Net Cash By Market Cap	$18.81
Net Cash Growth	1.62%
Net Debt Equity	$-0.22
Net Debt FCF	$-3.11
Tangible Book Value	$1.1B
Tangible Book Value Per Share	$21.69
WACC	7.49

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-8.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	4.14%
Dividend Growth	7.41%
Dividend Growth Years	2%
Dividend per share	$0.6
Dividend Years	10
Dividend Yield	1.6%
Ex Div Date	2026-03-16
Last Dividend	$0.15
Payout Frequency	Quarterly
Payout Ratio	28.23%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	48.49%
200-day SMA	33.1
3Y total return	75.4%
50-day SMA	36.93
50-day SMA vs 200-day SMA	50over200
5Y total return	31.55%
All Time High	40.21
All Time High Change	-6.84%
All Time High Date	2026-02-11
All Time Low	12.5
All Time Low Change	199.68%
All Time Low Date	2020-03-19
ATR	0.59
Beta	0.73
Beta1y	0.59
Beta2y	0.72
Ch YTD	21.07
High	37.69
High52	40.21
High52 Date	2026-02-11
High52ch	-6.84%
Low	37.39
Low52	25.79
Low52 Date	2025-05-08
Low52ch	45.25%
Ma50ch	1.43%
Price vs 200-day SMA	13.18%
RSI	52.06
RSI Monthly	66.49
RSI Weekly	63.05
Sharpe ratio	1.55x
Sortino ratio	2.99
Total Return	5.74%
Tr YTD	21.59
Tr1m	1.79%
Tr1w	-0.11%
Tr3m	-3.96%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	2
Analyst Price Target Top	$37
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$0.5
Earnings EPS Estimate Growth	8.7
Earnings Revenue Estimate	108,490,136x
Earnings Revenue Estimate Growth	3.56x
Operating Income	$160.5M
Operating margin	38.16
Price target	$37
Price Target Change	$-1.23
Price Target Change Top	$-1.23

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	43,312,678%
Float Percent	85.06%
Net Borrowing	-15,000,000
Shares Insiders	9.22%
Shares Institutions	58.35%
Shares Out	50,920,698
Shares Qo Q	-0.44%
Shares Yo Y	-4.14%
Short Float	1.92%
Short Ratio	2.69
Short Shares	1.63

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$106.2M
Average Volume	263,688.55x
Bv Per Share	32.76
CAPEX	$-3.9M
Ch1m	1.79
Ch1w	-0.11
Ch1y	45.76
Ch3m	-4.37
Ch3y	65.1
Ch5y	19.34
Ch6m	24.41
Change	-0.16%
Change From Open	0.05
Close	37.52
Days Gap	-0.21
Dollar Volume	5,711,076.7
Earnings Date	2026-04-28
Earnings Time	amc
EPS	$2.05
F Score	4
FCF	$115.3M
FCF EV Yield	7.44x
FCF Per Share	$2.26
Financing CF	333,577,000
Fiscal Year End	December
Founded	2,007
Goodwill	497,318,000
Graham Number	38.91258
Graham Upside	3.88
Income Tax	$25.1M
Investing CF	-463,773,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-26
Lynch Fair Value	$24.37
Lynch Upside	-34.95
Ma150	34.03
Ma150ch	10.09%
Ma20	37.56
Ma20ch	-0.27%
Net CF	-11,005,000
Next Earnings Date	2026-07-24
Open	37.44
Optionable	No
P FCF Ratio	16.54
P OCF Ratio	16
Payment Date	2026-03-31
Position In Range	23.33
Ppne	99,861,000
Price Date	2026-05-08
Ptbv Ratio	1.73
Relative Volume	0.58x
Revenue	420,665,000x
SBC By Revenue	2.17x
Share Based Comp	9,141,000
Tax By Revenue	5.96x
Tax Rate	19.25%
Tr6m	25.52%
Us State	Texas
Volume	152,458

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

STEL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.6%

$0.60 annual per share

Payout ratio

+28.2%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.2%

2 consecutive years of growth

Total shareholder yield

+5.7%

Next ex-dividend date: 2026-03-16

Performance

STEL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns STEL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+58.4%

Float: +85.1% of shares outstanding

Insider ownership

+9.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

STEL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

52.1

Neutral momentum band

Price vs 200-day MA

+13.2%

50/200-day relationship not available

Beta (5Y)

0.73

Less volatile than the market

Sharpe ratio

1.55

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

STEL vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Redukuj
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Redukuj
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Redukuj

Questions

About STEL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current STEL stock rating?

Stellar Bancorp, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full STEL analysis?

The full report lives at /stocks/STEL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for STEL?

The latest report frames STEL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the STEL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.