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Stellar Bancorp, Inc.
STEL · Price history
Price chart data is not currently available.
Company & revenue
About Stellar Bancorp, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Stellar Bancorp, Inc. serves as a bank holding company, offering a comprehensive array of commercial banking services. Its core clientele consists of small to medium-sized businesses, various professionals, and individual consumers. The institution provides diverse deposit options, including checking, commercial, money market, and savings accounts, along with other time deposits and certificates of deposit.
How they make money
Stellar Bancorp, Inc. operates as a bank holding company that generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on deposits and other borrowings. Additionally, the company earns non-interest income through service charges on deposit accounts, treasury management services, and interchange fees from electronic payment transactions.
Products & services
The company provides a range of commercial banking services including commercial and industrial loans, commercial real estate loans, construction loans, consumer loans, deposit accounts, treasury management, and online banking services.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Core data processing and information technology service providers — The company relies on third-party vendors for core data processing, information technology infrastructure, and loan operations support.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
51
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
43
Weak
Financial Strength
30
Business Quality / Moat
39
Management
72
Growth Quality
24
Risk / Durability
63
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
68
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
56/100
Building Historical Record
Model Score 56/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for STEL
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving STEL's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is STEL's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is STEL likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is STEL's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
51
Opportunity Score
68
Market Cap
$2.00B
P/E Ratio
19.2
EPS
$2.05
52-Week High
$40.21
52-Week Low
$28.22
Beta
0.71
Intrinsic Value
$78.92
Analyst Target
$29.50
Shares Outstanding
51.8M
Total Revenue
$592.0M
Total Debt
$175.3M
Dividend Yield (TTM)
1.14%
Liquidation Value / Share
$32.19
Dividend / Share (TTM)
$0.45
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Notices for STEL
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.7x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on STEL.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Community banking strategy focused on small- to medium-sized businesses.
- +Scalable banking and operational platform.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Interest rate fluctuations affecting net interest margin.
- −Credit risk associated with loan portfolio concentration in specific geographic markets.
- −Reliance on third-party service providers for critical operational functions.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
51
Oct 1, 2026
Change
Unchanged
Current Score
51
Oct 22, 2026
Category Changes
STEL score was unchanged.
Projected Score
Projected Score
52
Projected Change
+0.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 0.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$39.32
Model Intrinsic Value
$78.92
Difference
−$39.60
-50.2% vs IV
Margin of Safety
50.2%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $592.0M | $596.3M | $625.4M | $615.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $178.0M | $183.0M | $191.5M | $163.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $414.1M | $413.3M | $433.9M | $452.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $107.0M | $179.7M | $177.1M | $171.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $283.9M | $285.5M | $289.0M | $290.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $159.1M | $157.4M | $177.0M | $196.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $130.2M | $127.8M | $145.0M | $161.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $169.0M | $172.8M | $194.4M | $154.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $130.2M | $127.8M | $145.0M | $161.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $25.1M | $24.9M | $30.0M | $31.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $105.1M | $102.9M | $115.0M | $130.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $2.05 | $1.99 | $2.15 | $2.45 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 51.08M | 51.75M | 53.54M | 53.23M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 51.14M | 51.80M | 53.58M | 53.31M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$143.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.53
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-7.8%
Cash Change
-2.0%
Margin Change
+2.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included EPS growth, debt levels, net income margin. Pressure indicators included revenue growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 2.9%. EPS increased 15.2%. Cash declined 2.0%. Total debt declined 7.8%. Net income margin improved by 2.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
No news available for STEL.
Rumor Mill · STEL
Corporate developments & opportunities
No reviewed developments match this filter.
The reliability percentage measures the strength of the supporting evidence—not the probability that the event will occur or that the stock will rise. Rumor Mill is separate from the WSS score.
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