STEL
Stellar Bancorp, Inc.
Price Chart
Latest Quote
$38.43
+0.15 (+0.39%)
Current Price
| Previous Close | $38.28 |
| Open | $38.55 |
| Day High | $38.65 |
| Day Low | $38.24 |
| Volume | 416,581 |
Stock Information
| Quarterly Dividend / Yield | $0.60 / 1.55% |
| Shares Outstanding | 50.92M |
| Quarterly Dividend Yield | 1.55% |
| Quarterly Dividend | $0.60 |
| Total Debt | $194.88M |
| Cash Equivalents | $553.69M |
| Revenue | $420.66M |
| Net Income | $105.14M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.96B |
| P/E Ratio | 18.66 |
| EPS (TTM) | $2.06 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.61B |
| Sales | $420.66M |
| Income | $105.14M |
| Book/sh | $32.76 |
| Cash/sh | $10.87 |
| Employees | 1K |
Financial Ratios
| EPS Growth TTM | 9.20% |
Returns & Margins
| ROA | 0.99% |
| ROE | 6.41% |
| Operating Margin | 39.81% |
| Profit Margin | 24.99% |
Ownership
| Insider Ownership | 9.98% |
| Institutional Ownership | 67.03% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 16.37 |
| P/S | 4.65 |
| P/B | 1.17 |
Analyst Data
| Recommendation | none |
| Target Price | $38.00 |
Technical Indicators
| SMA20 | $37.67 |
| SMA50 | $37.40 |
| SMA200 | $33.88 |
| RSI | 63.63 |
| ATR | 0.6080 |
| Shares Float | 46.13M |
| Short Float | 2.14% |
| Short Ratio | 3.32 |
| Volatility | 0.72 |
| Rel Volume | 1.92 |
Performance History
| Week | +0.47% |
| Month | +4.41% |
| Quarter | +8.52% |
| 6 Months | +20.43% |
| YTD | +25.95% |
| Year | +47.82% |
| 3 Years | +58.74% |
| 5 Years | +47.61% |
| 10 Years | +55.12% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $38.43 | 783,900 |
| 2026-06-17 | $38.28 | 568,500 |
| 2026-06-16 | $38.59 | 314,800 |
| 2026-06-15 | $38.33 | 335,000 |
| 2026-06-12 | $38.72 | 424,700 |
| 2026-06-11 | $38.25 | 500,400 |
| 2026-06-10 | $38.15 | 479,000 |
| 2026-06-09 | $37.84 | 518,200 |
| 2026-06-08 | $37.49 | 342,700 |
| 2026-06-05 | $37.44 | 443,200 |
| 2026-06-04 | $37.30 | 487,000 |
| 2026-06-03 | $36.84 | 340,200 |
| 2026-06-02 | $37.23 | 498,400 |
| 2026-06-01 | $36.64 | 389,500 |
| 2026-05-29 | $37.20 | 438,700 |
| 2026-05-28 | $37.35 | 255,100 |
| 2026-05-27 | $37.18 | 393,300 |
| 2026-05-26 | $37.55 | 253,200 |
| 2026-05-22 | $37.33 | 171,700 |
| 2026-05-21 | $37.27 | 239,500 |
| 2026-05-20 | $37.28 | 226,900 |
| 2026-05-19 | $36.81 | 166,100 |
About Stellar Bancorp, Inc.
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.
đ° Latest News
How The Story Is Shifting For Stellar Bancorp (STEL) And Its US$38 Fair Value Target
Simply Wall St. âĸ 2026-05-04T04:30:34Z
Compared to Estimates, Stellar Bancorp (STEL) Q1 Earnings: A Look at Key Metrics
Zacks âĸ 2026-04-28T23:30:04Z
Stellar Bancorp (STEL) Beats Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-28T21:10:02Z
South Atlantic Bancshares, Inc. (SABK) Beats Q1 Earnings Estimates
Zacks âĸ 2026-04-23T21:10:02Z
WesBanco (WSBC) Q1 Earnings Surpass Estimates
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StockStory âĸ 2026-04-14T10:38:03Z
1 Russell 2000 Stock for Long-Term Investors and 2 Facing Headwinds
StockStory âĸ 2026-03-25T09:48:30Z
Assessing Stellar Bancorp (STEL) Valuation After Recent Pullback And Conflicting Undervaluation Signals
Simply Wall St. âĸ 2026-03-19T12:03:52Z
3 Unpopular Stocks Walking a Fine Line
StockStory âĸ 2026-03-02T20:00:36Z
1 Momentum Stock to Consider Right Now and 2 We Brush Off
StockStory âĸ 2026-02-27T21:21:32Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $423,410,000 | $431,038,000 | $461,321,000 | $309,312,000 |
| Operating Revenue | $423,410,000 | $431,038,000 | $461,321,000 | $309,312,000 |
| Expenses | ||||
| Interest Expense | $172,850,000 | $194,408,000 | $154,058,000 | $34,036,000 |
| Selling And Marketing Expense | $4,707,000 | $4,127,000 | $3,627,000 | $2,460,000 |
| General And Administrative Expense | $174,994,000 | $172,925,000 | $168,066,000 | $112,468,000 |
| Professional Expense And Contract Services Expense | $6,261,000 | $9,424,000 | $7,955,000 | $3,583,000 |
| Other Non Interest Expense | $29,271,000 | $30,939,000 | $24,366,000 | $17,501,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Interest Income | $401,620,000 | $407,992,000 | $436,759,000 | $288,958,000 |
| Interest Income | $574,470,000 | $602,400,000 | $590,817,000 | $322,994,000 |
| Normalized Income | $103,115,110 | $114,393,183 | $142,719,990 | $67,964,424 |
| Net Income From Continuing And Discontinued Operation | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Income Common Stockholders | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Income | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Income Including Noncontrolling Interests | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Income Continuous Operations | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Pretax Income | $127,782,000 | $144,960,000 | $161,884,000 | $62,524,000 |
| Special Income Charges | $0 | $0 | $-15,555,000 | $-24,138,000 |
| Depreciation Amortization Depletion Income Statement | $52,618,000 | $53,679,000 | $53,993,000 | $25,591,000 |
| Depreciation And Amortization In Income Statement | $52,618,000 | $53,679,000 | $53,993,000 | $25,591,000 |
| Amortization Of Intangibles Income Statement | $44,560,000 | $45,872,000 | $46,409,000 | $20,640,000 |
| Depreciation Income Statement | $8,058,000 | $7,807,000 | $7,584,000 | $4,951,000 |
| Per Share | ||||
| Diluted EPS | $1.99 | $2.20 | $2.45 | $1.47 |
| Basic EPS | $1.99 | $2.20 | $2.45 | $1.48 |
| Other | ||||
| Tax Effect Of Unusual Items | $-58,890 | $159,183 | $-2,942,010 | $-3,555,576 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-302,000 | $769,000 | $-15,165,000 | $-20,088,000 |
| Total Unusual Items Excluding Goodwill | $-302,000 | $769,000 | $-15,165,000 | $-20,088,000 |
| Reconciled Depreciation | $29,638,000 | $32,027,000 | $34,467,000 | $14,254,000 |
| Diluted Average Shares | $51,805,000 | $53,510,000 | $53,313,000 | $35,007,000 |
| Basic Average Shares | $51,753,000 | $53,469,000 | $53,229,000 | $34,738,000 |
| Diluted NI Availto Com Stockholders | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Tax Provision | $24,910,000 | $29,957,000 | $31,387,000 | $11,092,000 |
| Restructuring And Mergern Acquisition | $0 | $0 | $15,555,000 | $24,138,000 |
| Amortization | $44,560,000 | $45,872,000 | $46,409,000 | $20,640,000 |
| Selling General And Administration | $179,701,000 | $177,052,000 | $171,693,000 | $114,928,000 |
| Insurance And Claims | $6,187,000 | $7,568,000 | $11,032,000 | $4,914,000 |
| Salaries And Wages | $168,807,000 | $165,357,000 | $157,034,000 | $107,554,000 |
| Occupancy And Equipment | $17,619,000 | $17,864,000 | $16,932,000 | $10,335,000 |
| Gain On Sale Of Security | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,100,318,000 | $1,017,996,000 | $906,988,000 | $742,391,000 |
| Total Assets | $10,806,594,000 | $10,905,790,000 | $10,647,139,000 | $10,900,437,000 |
| Goodwill And Other Intangible Assets | $568,336,000 | $589,864,000 | $614,030,000 | $640,785,000 |
| Other Intangible Assets | $71,018,000 | $92,546,000 | $116,712,000 | $143,525,000 |
| Receivables | $35,869,000 | $37,884,000 | $44,244,000 | $44,743,000 |
| Accounts Receivable | $35,869,000 | $37,884,000 | $44,244,000 | $44,743,000 |
| Cash And Cash Equivalents | $419,453,000 | $911,216,000 | $399,237,000 | $371,705,000 |
| Cash Financial | $94,331,000 | $419,967,000 | $121,004,000 | $67,063,000 |
| Cash Cash Equivalents And Federal Funds Sold | $419,453,000 | $911,216,000 | $399,237,000 | $371,705,000 |
| Debt | ||||
| Total Debt | $40,226,000 | $70,105,000 | $159,765,000 | $173,292,000 |
| Long Term Debt And Capital Lease Obligation | $40,226,000 | $70,105,000 | $159,765,000 | $173,292,000 |
| Long Term Debt | $40,226,000 | $70,105,000 | $159,765,000 | $173,292,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $9,137,940,000 | $9,297,930,000 | $9,126,121,000 | $9,517,261,000 |
| Payables And Accrued Expenses | $5,508,000 | $17,052,000 | $11,288,000 | $2,098,000 |
| Payables | $5,508,000 | $17,052,000 | $11,288,000 | $2,098,000 |
| Accounts Payable | $5,508,000 | $17,052,000 | $11,288,000 | $2,098,000 |
| Equity | ||||
| Common Stock Equity | $1,668,654,000 | $1,607,860,000 | $1,521,018,000 | $1,383,176,000 |
| Total Equity Gross Minority Interest | $1,668,654,000 | $1,607,860,000 | $1,521,018,000 | $1,383,176,000 |
| Stockholders Equity | $1,668,654,000 | $1,607,860,000 | $1,521,018,000 | $1,383,176,000 |
| Gains Losses Not Affecting Retained Earnings | $-72,965,000 | $-125,364,000 | $-118,087,000 | $-143,261,000 |
| Other Equity Adjustments | $-72,965,000 | $-125,364,000 | $-118,087,000 | $-143,261,000 |
| Retained Earnings | $566,216,000 | $492,640,000 | $405,945,000 | $303,146,000 |
| Long Term Equity Investment | - | - | - | - |
| Other | ||||
| Ordinary Shares Number | $50,902,024 | $53,428,699 | $53,291,079 | $52,954,985 |
| Share Issued | $50,902,024 | $53,428,699 | $53,291,079 | $52,954,985 |
| Tangible Book Value | $1,100,318,000 | $1,017,996,000 | $906,988,000 | $742,391,000 |
| Invested Capital | $1,708,880,000 | $1,677,965,000 | $1,680,783,000 | $1,556,468,000 |
| Total Capitalization | $1,708,880,000 | $1,677,965,000 | $1,680,783,000 | $1,556,468,000 |
| Additional Paid In Capital | $1,174,894,000 | $1,240,050,000 | $1,232,627,000 | $1,222,761,000 |
| Capital Stock | $509,000 | $534,000 | $533,000 | $530,000 |
| Common Stock | $509,000 | $534,000 | $533,000 | $530,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $2,198,459,000 | $1,673,016,000 | $1,395,680,000 | $1,807,586,000 |
| Available For Sale Securities | $393,416,000 | $487,192,000 | - | - |
| Goodwill | $497,318,000 | $497,318,000 | $497,318,000 | $497,260,000 |
| Net PPE | $106,118,000 | $111,856,000 | $118,683,000 | $126,803,000 |
| Accumulated Depreciation | $-42,064,000 | $-35,293,000 | $-28,619,000 | $-22,873,000 |
| Gross PPE | $148,182,000 | $147,149,000 | $147,302,000 | $149,676,000 |
| Leases | $10,568,000 | $10,608,000 | $10,680,000 | $8,925,000 |
| Construction In Progress | $293,000 | $161,000 | $1,309,000 | $1,609,000 |
| Other Properties | $15,327,000 | $17,278,000 | $20,746,000 | $23,538,000 |
| Machinery Furniture Equipment | $27,800,000 | $25,853,000 | $22,325,000 | $20,220,000 |
| Buildings And Improvements | $72,965,000 | $72,168,000 | $71,314,000 | $73,356,000 |
| Land And Improvements | $21,229,000 | $21,081,000 | $20,928,000 | $22,028,000 |
| Other Short Term Investments | $1,805,043,000 | $1,673,016,000 | $1,395,680,000 | $1,807,586,000 |
| Treasury Shares Number | - | - | - | - |
| Capital Lease Obligations | - | - | - | - |
| Treasury Stock | - | - | - | - |
| Long Term Capital Lease Obligation | - | - | - | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $92,606,000 | $127,956,000 | $161,356,000 | $105,255,000 |
| Operating Activities | ||||
| Operating Cash Flow | $97,004,000 | $132,619,000 | $168,217,000 | $109,066,000 |
| Cash Flow From Continuing Operating Activities | $97,004,000 | $132,619,000 | $168,217,000 | $109,066,000 |
| Operating Gains Losses | $-392,000 | $-1,740,000 | $-1,614,000 | $-4,191,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,398,000 | $-4,663,000 | $-6,861,000 | $-3,811,000 |
| Investing Cash Flow | $-348,221,000 | $246,091,000 | $295,254,000 | $73,760,000 |
| Cash Flow From Continuing Investing Activities | $-348,221,000 | $246,091,000 | $295,254,000 | $73,760,000 |
| Net Other Investing Changes | $-36,629,000 | $17,813,000 | $-8,769,000 | $-5,559,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-73,352,000 | $-2,842,000 | $0 | $-23,605,000 |
| Financing Cash Flow | $-240,546,000 | $133,269,000 | $-435,939,000 | $-568,630,000 |
| Cash Flow From Continuing Financing Activities | $-240,546,000 | $133,269,000 | $-435,939,000 | $-568,630,000 |
| Net Other Financing Charges | $-980,000 | $-498,000 | $-76,000 | $77,000 |
| Cash Dividends Paid | $-29,296,000 | $-28,308,000 | $-27,698,000 | $-15,378,000 |
| Common Stock Dividend Paid | $-29,296,000 | $-28,308,000 | $-27,698,000 | $-15,378,000 |
| Net Common Stock Issuance | $-73,352,000 | $-2,842,000 | $0 | $-23,605,000 |
| Issuance Of Capital Stock | - | - | - | $77,000 |
| Common Stock Issuance | - | - | - | $77,000 |
| Other | ||||
| Repayment Of Debt | $-30,000,000 | $-90,000,000 | $-14,000,000 | $-26,000,000 |
| Interest Paid Supplemental Data | $184,394,000 | $188,644,000 | $144,868,000 | $33,691,000 |
| Income Tax Paid Supplemental Data | $18,500,000 | $27,400,000 | $14,000,000 | $15,050,000 |
| End Cash Position | $419,453,000 | $911,216,000 | $399,237,000 | $371,705,000 |
| Beginning Cash Position | $911,216,000 | $399,237,000 | $371,705,000 | $757,509,000 |
| Changes In Cash | $-491,763,000 | $511,979,000 | $27,532,000 | $-385,804,000 |
| Common Stock Payments | $-73,352,000 | $-2,842,000 | $0 | $-23,605,000 |
| Net Issuance Payments Of Debt | $-30,000,000 | $-90,000,000 | $-14,000,000 | $-26,000,000 |
| Net Long Term Debt Issuance | $-30,000,000 | $-90,000,000 | $-14,000,000 | $-26,000,000 |
| Long Term Debt Payments | $-30,000,000 | $-90,000,000 | $-14,000,000 | $-26,000,000 |
| Net Investment Purchase And Sale | $-456,015,000 | $-292,326,000 | $436,612,000 | $271,557,000 |
| Sale Of Investment | $5,931,188,000 | $5,244,352,000 | $4,530,017,000 | $2,717,082,000 |
| Purchase Of Investment | $-6,387,203,000 | $-5,536,678,000 | $-4,093,405,000 | $-2,445,525,000 |
| Net PPE Purchase And Sale | $4,669,000 | $2,997,000 | $2,123,000 | $-1,489,000 |
| Sale Of PPE | $9,067,000 | $7,660,000 | $8,984,000 | $2,322,000 |
| Purchase Of PPE | $-4,398,000 | $-4,663,000 | $-6,861,000 | $-3,811,000 |
| Change In Working Capital | $-31,299,000 | $5,656,000 | $18,176,000 | $-10,961,000 |
| Change In Other Working Capital | $3,466,000 | $3,821,000 | $4,198,000 | $2,816,000 |
| Change In Payables And Accrued Expense | $-28,373,000 | $5,455,000 | $16,301,000 | $-16,400,000 |
| Change In Payable | $-28,373,000 | $5,455,000 | $16,301,000 | $-16,400,000 |
| Change In Account Payable | $-28,373,000 | $5,455,000 | $16,301,000 | $-16,400,000 |
| Change In Receivables | $-6,392,000 | $-3,620,000 | $-2,323,000 | $2,623,000 |
| Changes In Account Receivables | $-6,392,000 | $-3,620,000 | $-2,323,000 | $2,623,000 |
| Other Non Cash Items | $-2,886,000 | $-2,414,000 | $-2,178,000 | $-1,125,000 |
| Excess Tax Benefit From Stock Based Compensation | $107,000 | $136,000 | $-61,000 | $-396,000 |
| Stock Based Compensation | $9,151,000 | $10,764,000 | $9,945,000 | $9,042,000 |
| Deferred Tax | $-1,741,000 | $3,298,000 | $10,250,000 | $1,931,000 |
| Deferred Income Tax | $-1,741,000 | $3,298,000 | $10,250,000 | $1,931,000 |
| Depreciation Amortization Depletion | $29,638,000 | $32,027,000 | $34,467,000 | $14,254,000 |
| Depreciation And Amortization | $29,638,000 | $32,027,000 | $34,467,000 | $14,254,000 |
| Net Income From Continuing Operations | $102,872,000 | $115,003,000 | $130,497,000 | $51,432,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $370,448,000 |
| Sale Of Business | - | $0 | $0 | $370,448,000 |
| Asset Impairment Charge | - | $0 | $0 | $952,000 |
| Proceeds From Stock Option Exercised | - | - | $-76,000 | $77,000 |
| Issuance Of Debt | - | - | - | - |
| Long Term Debt Issuance | - | - | - | - |
| Net Investment Properties Purchase And Sale | - | - | - | - |
| Sale Of Investment Properties | - | - | - | - |
| Change In Other Current Liabilities | - | - | - | - |
| Change In Other Current Assets | - | - | - | - |
| Amortization Cash Flow | - | - | - | - |
| Amortization Of Intangibles | - | - | - | - |
| Depreciation | - | - | - | - |
| Gain Loss On Investment Securities | - | - | - | - |
Fetched: 2026-06-17