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Company Analysis

Stellar Bancorp, Inc. STEL

A comprehensive view of key metrics, scores, and financial health for Stellar Bancorp, Inc.

Overview of Stellar Bancorp, Inc.

STEL NYQ
Financial Services Banks - Regional Small Cap
Stellar Bancorp, Inc. (STEL), is a Small Cap company, in the Banks - Regional industry, last closed at $35.51, about 5.8% overvalued vs fair value, +29.5% 1Y return, ranked 456/1004 in sector.
$35.51
-0.62%
As of March 13, 2026
Previous close • Vol 90d: 27.6%
52-Week Range
Market Cap
$1.88B
Enterprise Value
$1.50B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.stellar.bank
HQ Houston, TX
Employees 1,075
Fiscal year Dec 31

Next Events

Dividend Mar 31 Ex-div: Mar 16
Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$19
$33
$63
Current: $35.51 -6% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$602.4M
2%%
Interest Expense
$172.8M
Net Interest Income
$408.0M
-6.6%%
Total Revenue
$596.3M
38.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.2%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$31.1M
27.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Stellar Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
39
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing STEL's balance between Growth (29.3%), Profitability (33.7%), and Safety (37.0%). Growth 29% Safety 37% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

39th percentile vs peers
40
Key Signals
Revenue CAGR 3Y 24.5% 73p Rev Growth YoY 38.3% 33p Asset Growth YoY -0.9% 15p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-0.9%)
  • Growth below peer median (percentile: 39)

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Stellar Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$33.45
- - -
-5.8% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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