Stellar Bancorp Inc (STEL)

Currency in USD
39.32
+0.01(+0.03%)
Closed·
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Showing Stellar Bancorp historical data. For real-time data please try another search
Fair Value
Day's Range
38.7839.32
52 wk Range
28.2240.21
Key Statistics
Prev. Close
39.31
Open
39.25
Day's Range
38.78-39.32
52 wk Range
28.22-40.21
Volume
5.94M
Average Volume (3m)
451.81K
1-Year Change
34.2896%
Book Value / Share
32.85
Fair Value
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Fair Value Upside
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Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
38.00
Downside
-3.36%
Members' Sentiments
Bearish
Bullish
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Stellar Bancorp Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Buy
Moving Averages
Strong Buy

Analyst Ratings

1 Buy
2 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 38.00
(-3.36% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate

Stellar Bancorp Inc Earnings Call Summary for Q3/2025

  • Stellar Bancorp reported Q3 2025 EPS of $0.50, beating forecasts by 2.04%, while revenue of $105.63M slightly missed expectations by 0.27%, driving a 1.15% stock increase.
  • Net income reached $25.7M with improvements in net interest income ($100.6M) and margin (4.2%), yielding a 0.97% ROAA and 11.45% ROATCE despite competitive Texas market conditions.
  • Loan originations increased 62% year-to-date, with management focusing on reducing deposit costs and preparing for potential Federal Reserve rate cuts in the near term.
  • The company reported $330M in loan payoffs during Q3, with 44% related to asset/business sales and 25% due to refinancing, while maintaining a cautious approach to M&A opportunities.
  • Management projects continued loan growth into 2026, emphasizing strategic flexibility and disciplined capital management while building client relationships and expanding C&I loan mix.
Last Updated: 30/10/2025, 19:32
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Earnings

Latest Release
28/04/2026
EPS / Forecast
0.58 / 0.50
Revenue / Forecast
111.04M / 108.41M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.05%
Dividend Yield
1.53%
Industry Median 2.96%
Annualised payout
0.60
Paid quarterly
5-Years Growth
-
Growth Streak

Compare STEL to Peers and Sector

Metrics to compare
STEL
Peers
Sector
Relationship
P/E Ratio
19.0x14.1x10.1x
PEG Ratio
−6.120.970.03
Price/Book
1.2x1.5x1.0x
Price / LTM Sales
4.8x4.3x2.9x
Upside (Analyst Target)
−3.4%−12.6%13.1%
Fair Value Upside
Unlock8.9%2.0%Unlock

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