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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 Framework: Banks & Lenders Mid Cap
Stellar Bancorp, Inc. (STEL), is a Mid Cap company, in the Banks - Regional industry, last closed at $39.69, about 14.6% overvalued vs fair value, +31.0% 1Y return, ranked 574/1078 in sector.
Metrics P/E 15.6× Rev Growth -1.8% ROE 6.3% Gross Margin 97.6% Div Yield 1.85%
USD 39.69
0.03%
(Delayed)
• Vol 90d: 14.5%
52-Week Range
Market Cap
$2.02B
Enterprise Value
$1.65B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jun 26 Ex-div: Jun 15

Fair Value Snapshot

Bear Base Bull
$19
$34
$63
Current: $39.69 -15% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$574.5M
-4.6%%
Interest Expense
$172.8M
Net Interest Income
$401.6M
-1.6%%
Total Revenue
$423.4M
-1.8%%
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
6.2%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$102.6M
99.8% 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
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
38
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing STEL's balance between Growth (11.6%), Profitability (32.3%), and Safety (56.1%). Growth 12% Safety 56% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

17th percentile vs peers
18
Key Signals
Equity Growth YoY 3.8% 27p NII Growth YoY -1.6% 14p Asset Growth YoY -0.9% 13p EPS Growth YoY -7.6% 20p
Strengths
  • Net Interest Margin in top 20% of peers (3.7%, 85th percentile)
  • Equity/Assets in top 20% of peers (15.4%, 86th percentile)
  • Financial Leverage in top 20% of peers (6.63, 86th percentile)
  • Debt/Assets in top 20% of peers (0.4%, 96th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 17)
  • NII Growth YoY in bottom 20% of peers (-1.6%)
  • Asset Growth YoY in bottom 20% of peers (-0.9%)
  • EPS Growth YoY in bottom 20% of peers (-7.6%)

Profitability

50th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

87th percentile vs peers
87
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.89
- - -
-14.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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