Stellar Bancorp (STEL) Stock Overview
Operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
STEL Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Stellar Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$37.59 |
| 52 Week High | US$40.21 |
| 52 Week Low | US$26.30 |
| Beta | 0.72 |
| 1 Month Change | 0.35% |
| 3 Month Change | 2.68% |
| 1 Year Change | 36.99% |
| 3 Year Change | 48.93% |
| 5 Year Change | 30.48% |
| Change since IPO | 30.93% |
Recent News & Updates
STEL: Fair Outlook Will Balance Merger Vote And P E Assumptions
Analysts have adjusted their price target on Stellar Bancorp to $38.00, reflecting updated assumptions around the discount rate and future P/E, while maintaining their prior fair value estimate. What's in the News Stellar Bancorp has scheduled a Special and Extraordinary Shareholders Meeting for May 27, 2026, at 10:00 a.m. Central Standard Time in the Galveston conference room, 9 Greenway Plaza, eighth floor, Houston, Texas.STEL: Fair Outlook Will Balance P E Assumptions And Meeting Risks
Analysts have adjusted their $38.00 price target on Stellar Bancorp, citing slightly revised assumptions for revenue growth, profit margins, and future P/E as the basis for the update. Analyst Commentary Recent Street research on regional banks, including the upgraded view on Stellar Bancorp, gives you a sense of how professionals are thinking about valuation, earnings power, and execution risk around the updated US$38.00 target.Recent updates
STEL: Fair Outlook Will Balance Merger Vote And P E Assumptions
Analysts have adjusted their price target on Stellar Bancorp to $38.00, reflecting updated assumptions around the discount rate and future P/E, while maintaining their prior fair value estimate. What's in the News Stellar Bancorp has scheduled a Special and Extraordinary Shareholders Meeting for May 27, 2026, at 10:00 a.m. Central Standard Time in the Galveston conference room, 9 Greenway Plaza, eighth floor, Houston, Texas.STEL: Fair Outlook Will Balance P E Assumptions And Meeting Risks
Analysts have adjusted their $38.00 price target on Stellar Bancorp, citing slightly revised assumptions for revenue growth, profit margins, and future P/E as the basis for the update. Analyst Commentary Recent Street research on regional banks, including the upgraded view on Stellar Bancorp, gives you a sense of how professionals are thinking about valuation, earnings power, and execution risk around the updated US$38.00 target.STEL: Fair Outlook Will Balance Merger Terms And Conflicting Rating Signals
Analysts have kept their $38.00 price target intact for Stellar Bancorp, citing only marginal tweaks to long term growth, profit margin and future P/E assumptions after weighing mixed recent research that includes both an upgrade and a downgrade. Analyst Commentary Bullish Takeaways Bullish analysts view the current $38.00 target as reasonable based on their updated long term growth and profit margin assumptions, even after incorporating the latest research.STEL: Fair Outlook Will Balance Merger Terms And Conflicting Rating Signals
Analysts have adjusted their price target on Stellar Bancorp to $38.00. They describe this level as aligned with updated views on fair value, discount rate, revenue growth, profit margin and future P/E after considering mixed recent research that includes both an upgrade and a downgrade from different firms.STEL: Fair Outlook Will Balance Merger Terms With Conflicting Rating Signals
Analysts maintained their fair value estimate for Stellar Bancorp at $38.00, citing offsetting views from a recent upgrade at Keefe Bruyette and a downgrade at Raymond James, which leave key assumptions such as discount rate, revenue growth, profit margin, and future P/E essentially unchanged. Analyst Commentary Bullish Takeaways Bullish analysts view the current fair value estimate of $38.00 as supported by the existing assumptions on discount rate, revenue growth, profit margin, and future P/E, seeing enough earnings power to justify maintaining those inputs.STEL: Fair Outlook Will Balance Merger Terms With Mixed Rating Signals
Narrative Update on Stellar Bancorp The analyst price target for Stellar Bancorp has been adjusted to $38.00, with analysts indicating that updated assumptions around the stock's forward P/E and recent mixed ratings activity are key factors behind the change. Analyst Commentary Recent research shows a mix of optimism and caution around Stellar Bancorp, which helps explain the recalibrated $38.00 price target and the focus on forward P/E assumptions.
Relationship Banking And Low Cost Deposits Will Drive A Stronger Long Term Franchise
Catalysts About Stellar Bancorp Stellar Bancorp operates Stellar Bank, a Texas based community bank focused on relationship driven commercial and retail banking. What are the underlying business or industry changes driving this perspective?STEL: Fair Outlook Will Balance Merger Terms With Mixed Rating Signals
Narrative Update on Stellar Bancorp Analysts have adjusted their price target on Stellar Bancorp to $38.00, reflecting updated views on the bank's earnings power and a higher assumed future P/E multiple, while applying a slightly different discount rate to their cash flow outlook. Analyst Commentary Recent research on Stellar Bancorp reflects a split view, with one upgrade and one downgrade landing within a short window.STEL: Fair Outlook Balances Merger Terms With Higher Earnings Assumptions
Analysts have lifted their price target for Stellar Bancorp from US$31.60 to US$38.00, citing updated assumptions for revenue growth, profit margins, and a lower forward P/E multiple. Analyst Commentary Bullish Takeaways Bullish analysts interpret the higher price target as support for the view that Stellar Bancorp can execute on its updated revenue and margin assumptions, even with a lower forward P/E multiple applied.
Competitive Loan Growth And Funding Pressures Will Constrain Long Term Performance
Catalysts About Stellar Bancorp Stellar Bancorp operates a regional banking platform focused on relationship banking, with an emphasis on loans and deposits across its Texas markets. What are the underlying business or industry changes driving this perspective?Stellar Bancorp (NYSE:STEL) Is Increasing Its Dividend To $0.15
Stellar Bancorp, Inc. ( NYSE:STEL ) has announced that it will be increasing its periodic dividend on the 31st of...Stellar Bancorp (NYSE:STEL) Is Increasing Its Dividend To $0.14
Stellar Bancorp, Inc. ( NYSE:STEL ) has announced that it will be increasing its periodic dividend on the 31st of...
Critical Shifts And High Costs Spell Trouble For Bank's Future Earnings
Strategic emphasis on maintaining strong capital and adjusting loan portfolios may suppress future earnings growth and impact return on equity.Stellar Bancorp (NYSE:STEL) Has Announced A Dividend Of $0.13
Stellar Bancorp, Inc.'s ( NYSE:STEL ) investors are due to receive a payment of $0.13 per share on 30th of September...Stellar Bancorp (NYSE:STEL) Is Paying Out A Dividend Of $0.13
Stellar Bancorp, Inc.'s ( NYSE:STEL ) investors are due to receive a payment of $0.13 per share on 28th of June. The...Shareholder Returns
| STEL | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.7% | 3.1% | -2.8% |
| 1Y | 37.0% | 21.1% | 22.8% |
Return vs Industry: STEL exceeded the US Banks industry which returned 21.1% over the past year.
Return vs Market: STEL exceeded the US Market which returned 22.8% over the past year.
Price Volatility
| STEL volatility | |
|---|---|
| STEL Average Weekly Movement | 1.9% |
| Banks Industry Average Movement | 3.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: STEL has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: STEL's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2007 | 1,053 | Bob Franklin | www.stellar.bank |
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also offers commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services.
Stellar Bancorp, Inc. Fundamentals Summary
| STEL fundamental statistics | |
|---|---|
| Market cap | US$1.91b |
| Earnings (TTM) | US$105.14m |
| Revenue (TTM) | US$420.67m |
Is STEL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STEL income statement (TTM) | |
|---|---|
| Revenue | US$420.67m |
| Cost of Revenue | US$0 |
| Gross Profit | US$420.67m |
| Other Expenses | US$315.53m |
| Earnings | US$105.14m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.06 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.99% |
| Debt/Equity Ratio | 10.8% |
How did STEL perform over the long term?
See historical performance and comparisonDividends
Does STEL pay a reliable dividends?
See STEL dividend history and benchmarks| Stellar Bancorp dividend dates | |
|---|---|
| Ex Dividend Date | Jun 15 2026 |
| Dividend Pay Date | Jun 26 2026 |
| Days until Ex dividend | 7 days |
| Days until Dividend pay date | 18 days |
Does STEL pay a reliable dividends?
See STEL dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/07 13:23 |
| End of Day Share Price | 2026/06/05 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Stellar Bancorp, Inc. is covered by 9 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Bryce Rowe | Baird |
| John Rodis | Brean Capital Historical (Janney Montgomery) |
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |