Symbols / STEL Stock $37.42 +1.27% Stellar Bancorp, Inc.

Financial Services • Banks - Regional • United States • NYQ
STEL (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Robert R. Franklin Jr.
Exch · Country NYQ · United States
Market Cap 1.91B
Enterprise Value 1.55B
Income 105.14M
Sales 420.66M
FCF (ttm) —
Book/sh 32.78
Cash/sh 10.87
Employees 1,053
Insider 10d —
IPO Nov 08, 2017
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 28.16%
P/E 18.17
Forward P/E 15.94
PEG —
P/S 4.53
P/B 1.14
P/C —
EV/EBITDA —
EV/Sales 3.68
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.06
EPS next Y 2.35
EPS Growth 15.20%
Revenue Growth 7.30%
EPS Gr Q/Q 9.20%
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-04-28
ROA 0.99%
ROE 6.41%
ROIC —
Gross Margin 0.00%
Oper. Margin 39.81%
Profit Margin 24.99%
Shs Outstand 50.92M
Shs Float 46.18M
Insider Own 9.98%
Instit Own 66.68%
Short Float 2.28%
Short Ratio 3.24
Short Interest 899.96K
52W High 40.21
vs 52W High -6.94%
52W Low 26.08
vs 52W Low 43.48%
Beta 0.73
Impl. Vol. —
Rel Volume 0.58
Avg Volume 317.98K
Volume 185.29K
Target (mean) $38.00
Tgt Median $38.00
Tgt Low $32.00
Tgt High $44.00
# Analysts 2
Recom None
Prev Close $36.95
Price $37.42
Change 1.27%
About

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. In addition, it provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$38.00
Mean price target
2. Current target
$37.42
Latest analyst target
3. DCF / Fair value
$30.90
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$37.42
Low
$32.00
High
$44.00
Mean
$38.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-03 up Keefe, Bruyette & Woods Market Perform → Outperform $44
2025-10-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2025-07-29 main Piper Sandler Neutral → Neutral $30
2025-07-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-04-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $29
2025-02-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2025-02-03 reit Raymond James Outperform → Outperform $31
2024-11-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $29
2024-07-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $28
2024-07-29 main Piper Sandler Neutral → Neutral $27
2024-05-03 main Keefe, Bruyette & Woods Market Perform → Market Perform $26
2024-01-30 main Raymond James Outperform → Outperform $29
2023-10-30 main Raymond James Outperform → Outperform $24
2023-07-31 main Raymond James Outperform → Outperform $27
2023-05-01 main Keefe, Bruyette & Woods — → Market Perform $28
2023-05-01 main Raymond James — → Outperform $26
2023-04-06 main Raymond James — → Outperform $28
2023-01-31 main Raymond James — → Outperform $31
2023-01-30 up Piper Sandler Neutral → Overweight $34
2022-10-31 main Stephens & Co. — → Equal-Weight $37
News
RSS: Latest STEL news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-06 ROBERTSON FRED S. Director — 2,230 $0.00 $0
2026-02-27 AKIN OKAN I Officer — 5,710 $0.00 $0
2026-02-27 LONG JUSTIN M General Counsel — 7,074 $0.00 $0
2026-02-27 SIRKEL JASON Officer — 4,656 $0.00 $0
2026-02-27 RETZLOFF STEVEN FLOYD Officer and Director — 13,412 $0.00 $0
2026-02-27 VITULLI RAMON A. III President — 12,082 $0.00 $0
2026-02-27 EGGE PAUL P Chief Financial Officer — 9,142 $0.00 $0
2026-02-27 WEST JOE F Officer — 6,452 $0.00 $0
2026-02-27 FRANKLIN ROBERT R JR Chief Executive Officer — 27,595 $0.00 $0
2025-12-09 JETER FRANCES H. Director — 1,100 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
423.41
-1.77%
431.04
-6.56%
461.32
+49.14%
309.31
Operating Revenue
423.41
-1.77%
431.04
-6.56%
461.32
+49.14%
309.31
Selling General And Administration
179.70
+1.50%
177.05
+3.12%
171.69
+49.39%
114.93
Selling And Marketing Expense
4.71
+14.05%
4.13
+13.79%
3.63
+47.44%
2.46
General And Administrative Expense
174.99
+1.20%
172.93
+2.89%
168.07
+49.43%
112.47
Salaries And Wages
168.81
+2.09%
165.36
+5.30%
157.03
+46.00%
107.55
Other Gand A
—
—
—
—
Reconciled Depreciation
29.64
-7.46%
32.03
-7.08%
34.47
+141.81%
14.25
Total Unusual Items
-0.30
-139.27%
0.77
+105.07%
-15.16
+24.51%
-20.09
Total Unusual Items Excluding Goodwill
-0.30
-139.27%
0.77
+105.07%
-15.16
+24.51%
-20.09
Special Income Charges
0.00
0.00
+100.00%
-15.55
+35.56%
-24.14
Restructuring And Mergern Acquisition
0.00
0.00
-100.00%
15.55
-35.56%
24.14
Net Income
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Pretax Income
127.78
-11.85%
144.96
-10.45%
161.88
+158.91%
62.52
Net Interest Income
401.62
-1.56%
407.99
-6.59%
436.76
+51.15%
288.96
Interest Expense
172.85
-11.09%
194.41
+26.19%
154.06
+352.63%
34.04
Interest Income
574.47
-4.64%
602.40
+1.96%
590.82
+82.92%
322.99
Gain On Sale Of Security
—
—
—
—
Tax Provision
24.91
-16.85%
29.96
-4.56%
31.39
+182.97%
11.09
Tax Rate For Calcs
0.00
-5.80%
0.00
+6.70%
0.00
+9.60%
0.00
Tax Effect Of Unusual Items
-0.06
-137.00%
0.16
+105.41%
-2.94
+17.26%
-3.56
Net Income Including Noncontrolling Interests
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Net Income From Continuing Operation Net Minority Interest
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Net Income From Continuing And Discontinued Operation
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Net Income Continuous Operations
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Normalized Income
103.12
-9.86%
114.39
-19.85%
142.72
+109.99%
67.96
Net Income Common Stockholders
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Diluted EPS
1.99
-9.55%
2.20
-10.20%
2.45
+66.67%
1.47
Basic EPS
1.99
-9.55%
2.20
-10.20%
2.45
+65.54%
1.48
Basic Average Shares
51.75
-3.21%
53.47
+0.45%
53.23
+53.23%
34.74
Diluted Average Shares
51.80
-3.19%
53.51
+0.37%
53.31
+52.29%
35.01
Diluted NI Availto Com Stockholders
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Amortization
44.56
-2.86%
45.87
-1.16%
46.41
+124.85%
20.64
Amortization Of Intangibles Income Statement
44.56
-2.86%
45.87
-1.16%
46.41
+124.85%
20.64
Depreciation Amortization Depletion Income Statement
52.62
-1.98%
53.68
-0.58%
53.99
+110.98%
25.59
Depreciation And Amortization In Income Statement
52.62
-1.98%
53.68
-0.58%
53.99
+110.98%
25.59
Depreciation Income Statement
8.06
+3.22%
7.81
+2.94%
7.58
+53.18%
4.95
Insurance And Claims
6.19
-18.25%
7.57
-31.40%
11.03
+124.50%
4.91
Occupancy And Equipment
17.62
-1.37%
17.86
+5.50%
16.93
+63.83%
10.34
Other Non Interest Expense
29.27
-5.39%
30.94
+26.98%
24.37
+39.23%
17.50
Professional Expense And Contract Services Expense
6.26
-33.56%
9.42
+18.47%
7.96
+122.02%
3.58
Line Item Trend 2021-12-31
Total Assets
—
Cash And Cash Equivalents
—
Cash Financial
—
Other Short Term Investments
—
Receivables
—
Accounts Receivable
—
Net PPE
—
Gross PPE
—
Accumulated Depreciation
—
Land And Improvements
—
Buildings And Improvements
—
Machinery Furniture Equipment
—
Construction In Progress
—
Other Properties
—
Leases
—
Goodwill And Other Intangible Assets
—
Goodwill
—
Other Intangible Assets
—
Investments And Advances
—
Long Term Equity Investment
17.73
Total Liabilities Net Minority Interest
—
Payables And Accrued Expenses
—
Payables
—
Accounts Payable
—
Long Term Debt And Capital Lease Obligation
—
Long Term Debt
—
Long Term Capital Lease Obligation
14.14
Stockholders Equity
—
Common Stock Equity
—
Capital Stock
—
Common Stock
—
Preferred Stock
—
Share Issued
—
Ordinary Shares Number
—
Treasury Shares Number
0.84
Additional Paid In Capital
—
Retained Earnings
—
Gains Losses Not Affecting Retained Earnings
—
Treasury Stock
14.20
Other Equity Adjustments
—
Total Equity Gross Minority Interest
—
Total Capitalization
—
Invested Capital
—
Total Debt
—
Capital Lease Obligations
14.14
Net Tangible Assets
—
Tangible Book Value
—
Available For Sale Securities
4.15
Cash Cash Equivalents And Federal Funds Sold
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
97.00
-26.86%
132.62
-21.16%
168.22
+54.23%
109.07
Cash Flow From Continuing Operating Activities
97.00
-26.86%
132.62
-21.16%
168.22
+54.23%
109.07
Net Income From Continuing Operations
102.87
-10.55%
115.00
-11.87%
130.50
+153.73%
51.43
Depreciation Amortization Depletion
29.64
-7.46%
32.03
-7.08%
34.47
+141.81%
14.25
Depreciation
—
—
—
—
Amortization Cash Flow
—
—
—
—
Depreciation And Amortization
29.64
-7.46%
32.03
-7.08%
34.47
+141.81%
14.25
Amortization Of Intangibles
—
—
—
—
Other Non Cash Items
-2.89
-19.55%
-2.41
-10.84%
-2.18
-93.60%
-1.12
Stock Based Compensation
9.15
-14.99%
10.76
+8.24%
9.95
+9.99%
9.04
Asset Impairment Charge
—
0.00
0.00
-100.00%
0.95
Deferred Tax
-1.74
-152.79%
3.30
-67.82%
10.25
+430.81%
1.93
Deferred Income Tax
-1.74
-152.79%
3.30
-67.82%
10.25
+430.81%
1.93
Operating Gains Losses
-0.39
+77.47%
-1.74
-7.81%
-1.61
+61.49%
-4.19
Gain Loss On Investment Securities
—
—
—
—
Change In Working Capital
-31.30
-653.38%
5.66
-68.88%
18.18
+265.82%
-10.96
Change In Receivables
-6.39
-76.57%
-3.62
-55.83%
-2.32
-188.56%
2.62
Changes In Account Receivables
-6.39
-76.57%
-3.62
-55.83%
-2.32
-188.56%
2.62
Change In Payables And Accrued Expense
-28.37
-620.13%
5.46
-66.54%
16.30
+199.40%
-16.40
Change In Payable
-28.37
-620.13%
5.46
-66.54%
16.30
+199.40%
-16.40
Change In Account Payable
-28.37
-620.13%
5.46
-66.54%
16.30
+199.40%
-16.40
Change In Other Working Capital
3.47
-9.29%
3.82
-8.98%
4.20
+49.08%
2.82
Change In Other Current Assets
—
—
—
—
Change In Other Current Liabilities
—
—
—
—
Investing Cash Flow
-348.22
-241.50%
246.09
-16.65%
295.25
+300.29%
73.76
Cash Flow From Continuing Investing Activities
-348.22
-241.50%
246.09
-16.65%
295.25
+300.29%
73.76
Net PPE Purchase And Sale
4.67
+55.79%
3.00
+41.17%
2.12
+242.58%
-1.49
Purchase Of PPE
-4.40
+5.68%
-4.66
+32.04%
-6.86
-80.03%
-3.81
Sale Of PPE
9.07
+18.37%
7.66
-14.74%
8.98
+286.91%
2.32
Capital Expenditure
-4.40
+5.68%
-4.66
+32.04%
-6.86
-80.03%
-3.81
Net Investment Purchase And Sale
-456.01
-56.00%
-292.33
-166.95%
436.61
+60.78%
271.56
Purchase Of Investment
-6,387.20
-15.36%
-5,536.68
-35.26%
-4,093.41
-67.38%
-2,445.53
Sale Of Investment
5,931.19
+13.10%
5,244.35
+15.77%
4,530.02
+66.72%
2,717.08
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
370.45
Net Other Investing Changes
-36.63
-305.63%
17.81
+303.14%
-8.77
-57.74%
-5.56
Financing Cash Flow
-240.55
-280.50%
133.27
+130.57%
-435.94
+23.34%
-568.63
Cash Flow From Continuing Financing Activities
-240.55
-280.50%
133.27
+130.57%
-435.94
+23.34%
-568.63
Net Issuance Payments Of Debt
-30.00
+66.67%
-90.00
-542.86%
-14.00
+46.15%
-26.00
Issuance Of Debt
—
—
—
—
Repayment Of Debt
-30.00
+66.67%
-90.00
-542.86%
-14.00
+46.15%
-26.00
Long Term Debt Issuance
—
—
—
—
Long Term Debt Payments
-30.00
+66.67%
-90.00
-542.86%
-14.00
+46.15%
-26.00
Net Long Term Debt Issuance
-30.00
+66.67%
-90.00
-542.86%
-14.00
+46.15%
-26.00
Net Common Stock Issuance
-73.35
-2481.00%
-2.84
0.00
+100.00%
-23.61
Common Stock Payments
-73.35
-2481.00%
-2.84
0.00
+100.00%
-23.61
Common Stock Dividend Paid
-29.30
-3.49%
-28.31
-2.20%
-27.70
-80.11%
-15.38
Cash Dividends Paid
-29.30
-3.49%
-28.31
-2.20%
-27.70
-80.11%
-15.38
Repurchase Of Capital Stock
-73.35
-2481.00%
-2.84
0.00
+100.00%
-23.61
Proceeds From Stock Option Exercised
—
—
-0.08
-198.70%
0.08
Net Other Financing Charges
-0.98
-96.79%
-0.50
-555.26%
-0.08
-198.70%
0.08
Changes In Cash
-491.76
-196.05%
511.98
+1759.58%
27.53
+107.14%
-385.80
Beginning Cash Position
911.22
+128.24%
399.24
+7.41%
371.70
-50.93%
757.51
End Cash Position
419.45
-53.97%
911.22
+128.24%
399.24
+7.41%
371.70
Free Cash Flow
92.61
-27.63%
127.96
-20.70%
161.36
+53.30%
105.25
Interest Paid Supplemental Data
184.39
-2.25%
188.64
+30.22%
144.87
+329.99%
33.69
Income Tax Paid Supplemental Data
18.50
-32.48%
27.40
+95.71%
14.00
-6.98%
15.05
Common Stock Issuance
—
—
—
0.08
Excess Tax Benefit From Stock Based Compensation
0.11
-21.32%
0.14
+322.95%
-0.06
+84.60%
-0.40
Issuance Of Capital Stock
—
—
—
0.08
Net Investment Properties Purchase And Sale
—
—
—
—
Sale Of Business
—
0.00
0.00
-100.00%
370.45
Sale Of Investment Properties
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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