Financhill
Buy
53

STEL Quote, Financials, Valuation and Earnings

Last price:
$37.88
Seasonality move :
-7.71%
Day range:
$37.26 - $38.22
52-week range:
$24.13 - $40.21
Dividend yield:
1.51%
P/E ratio:
18.96x
P/S ratio:
3.27x
P/B ratio:
1.15x
Volume:
492.6K
Avg. volume:
795.3K
1-year change:
31.36%
Market cap:
$1.9B
Revenue:
$596.3M
EPS (TTM):
$1.99

Analysts' Opinion

  • Consensus Rating
    Stellar Bancorp, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $32.50, Stellar Bancorp, Inc. has an estimated downside of -13.7% from its current price of $37.66.
  • Price Target Upside
    According to analysts, the highest upside price target is $33.00 representing -100% upside increase from its current price of $37.66.

Fair Value

  • According to the consensus of 3 analysts, Stellar Bancorp, Inc. has -13.7% downside to fair value with a price target of $32.50 per share.

STEL vs. S&P 500

  • Over the past 5 trading days, Stellar Bancorp, Inc. has underperformed the S&P 500 by -2.66% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Stellar Bancorp, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Stellar Bancorp, Inc. revenues have been falling on a year-over-year basis for 5 quarters in a row. In the most recent quarter Stellar Bancorp, Inc. reported revenues of $149.5M.

Earnings Growth

  • Stellar Bancorp, Inc. earnings have been falling on a year-over-year basis for 4 quarters in a row. In the most recent quarter Stellar Bancorp, Inc. reported earnings per share of $0.51.
Enterprise value:
2B
EV / Invested capital:
1.14x
Price / LTM sales:
3.27x
EV / EBIT:
6.55x
EV / Revenue:
3.30x
PEG ratio (5yr expected):
1.23x
EV / Free cash flow:
21.25x
Price / Operating cash flow:
21.07x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.97%
Net Income Margin (TTM):
17.25%
Return On Equity:
6.32%
Return On Invested Capital:
5.88%
Operating Margin:
21.13%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $615.1M $625.4M $596.3M $155.1M $149.5M
Gross Profit -- -- -- -- --
Operating Income $177.4M $148.2M $127.8M $35.1M $31.6M
EBITDA -- -- -- -- --
Diluted EPS $2.45 $2.20 $1.99 $0.52 $0.51
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $790.9M $416.4M $443.5M $949.1M $455.3M
Total Assets $7.1B $10.9B $10.7B $10.9B $10.8B
Current Liabilities $3.1B $6.5B $6.7B $6.7B $6.5B
Total Liabilities $6.3B $9.6B $9.2B $9.3B $9.2B
Total Equity $816.5M $1.4B $1.5B $1.6B $1.7B
Total Debt $206.2M $191.8M $176M $84.2M $52.4M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Cash Flow Statement
Cash Flow Operations $168.2M $132.6M $97M $3.9M $15M
Cash From Investing $295.3M $246.1M -$348.2M $113.5M -$478.7M
Cash From Financing -$435.9M $133.3M -$240.5M $277.6M $156.4M
Free Cash Flow $161.4M $128M $92.6M $2.6M $13.7M
STEL
Sector
Market Cap
$1.9B
$538.9M
Price % of 52-Week High
93.66%
89.2%
Dividend Yield
1.51%
1.47%
Shareholder Yield
8.25%
2.87%
1-Year Price Total Return
31.36%
7.18%
Beta (5-Year)
0.766
0.432
Dividend yield:
1.51%
Annualized payout:
$0.57
Payout ratio:
29.35%
Growth streak:
2 years

Technicals

8-day SMA
Sell
Level $38.25
200-day SMA
Buy
Level $31.00
Bollinger Bands (100)
Buy
Level 0 - 0
Chaikin Money Flow
Sell
Level --
20-day SMA
Sell
Level $38.48
Relative Strength Index (RSI14)
Buy
Level 56.11
ADX Line
Neutral
Level 0
Williams %R
Buy
Level -85.8586
50-day SMA
Buy
Level $34.70
MACD (12, 26)
Buy
Level 10.57
25-day Aroon Oscillator
Buy
Level 48
On Balance Volume
Neutral
Level --

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.3482)
Sell
CA Score (Annual)
Level (-1.9238)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (3.6595)
Buy
Piotroski F Score (Annual)
Level (4)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Stellar Bancorp, Inc. is a holding company, which engages in the provision of commercial banking services such as personal and commercial banking, real estate loans, and investment services, as well as offers deposits, debit and credit cards, cash management, treasury, and online banking services primarily to small and medium-sized businesses, professionals, and individual customers. The company was founded in 2007 and is headquartered in Houston, TX.

Stock Forecast FAQ

In the current month, STEL has received 0 Buy ratings 3 Hold ratings, and 0 Sell ratings. The STEL average analyst price target in the past 3 months is $32.50.

  • Where Will Stellar Bancorp, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Stellar Bancorp, Inc. share price will drop to $32.50 per share over the next 12 months.

  • What Do Analysts Say About Stellar Bancorp, Inc.?

    Analysts are divided on their view about Stellar Bancorp, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Stellar Bancorp, Inc. is a Sell and believe this share price will rise from its current level to $32.00.

  • What Is Stellar Bancorp, Inc.'s Price Target?

    The price target for Stellar Bancorp, Inc. over the next 1-year time period is forecast to be $32.50 according to 3 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is STEL A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Stellar Bancorp, Inc. is a Hold. 3 of 3 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of STEL?

    You can purchase shares of Stellar Bancorp, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Stellar Bancorp, Inc. shares.

  • What Is The Stellar Bancorp, Inc. Share Price Today?

    Stellar Bancorp, Inc. was last trading at $37.88 per share. This represents the most recent stock quote for Stellar Bancorp, Inc.. Yesterday, Stellar Bancorp, Inc. closed at $37.66 per share.

  • How To Buy Stellar Bancorp, Inc. Stock Online?

    In order to purchase Stellar Bancorp, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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