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Financial Services - Banks - Regional - NASDAQ - US
$ 29.68
1.37 %
$ 1.53 B
Market Cap
14.0
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STEL stock under the worst case scenario is HIDDEN Compared to the current market price of 29.7 USD, Stellar Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STEL stock under the base case scenario is HIDDEN Compared to the current market price of 29.7 USD, Stellar Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one STEL stock under the best case scenario is HIDDEN Compared to the current market price of 29.7 USD, Stellar Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart STEL

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$30.0$30.0$29.5$29.5$29.0$29.0$28.5$28.5$28.0$28.0$27.5$27.5$27.0$27.0$26.5$26.5$26.0$26.0$25.5$25.5$25.0$25.0$24.5$24.520252025Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25Jul '25Jul '25
FINANCIALS
625 M REVENUE
1.64%
145 M OPERATING INCOME
-10.45%
115 M NET INCOME
-11.87%
133 M OPERATING CASH FLOW
-21.16%
246 M INVESTING CASH FLOW
-16.65%
133 M FINANCING CASH FLOW
130.57%
148 M REVENUE
-4.66%
31 M OPERATING INCOME
-2.57%
24.7 M NET INCOME
-2.02%
-5.68 M OPERATING CASH FLOW
-146.44%
147 M INVESTING CASH FLOW
29.83%
-492 M FINANCING CASH FLOW
-177.36%
Balance Sheet Stellar Bancorp, Inc.
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Current Assets 2.13 B
Cash & Short-Term Investments 2.1 B
Receivables 37.9 M
Other Current Assets 0
Non-Current Assets 8.77 B
Long-Term Investments 7.85 B
PP&E 112 M
Other Non-Current Assets 813 M
19.23 %71.94 %7.45 %Total Assets$10.9b
Current Liabilities 9.15 B
Accounts Payable 17.1 M
Short-Term Debt 0
Other Current Liabilities 9.13 B
Non-Current Liabilities 152 M
Long-Term Debt 70.1 M
Other Non-Current Liabilities 82.4 M
98.18 %Total Liabilities$9.3b
EFFICIENCY
Earnings Waterfall Stellar Bancorp, Inc.
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Revenue 625 M
Cost Of Revenue 192 M
Gross Profit 434 M
Operating Expenses 289 M
Operating Income 145 M
Other Expenses 30 M
Net Income 115 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00625m(192m)434m(289m)145m(30m)115mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
69.38% GROSS MARGIN
69.38%
23.18% OPERATING MARGIN
23.18%
18.39% NET MARGIN
18.39%
7.15% ROE
7.15%
1.05% ROA
1.05%
6.55% ROIC
6.55%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Stellar Bancorp, Inc.
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180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 115 M
Depreciation & Amortization 32 M
Capital Expenditures -4.66 M
Stock-Based Compensation 10.8 M
Change in Working Capital 5.66 M
Others -30.3 M
Free Cash Flow 128 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Stellar Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for STEL of $27 , with forecasts ranging from a low of $25 to a high of $28 .
STEL Lowest Price Target Wall Street Target
25 USD -15.77%
STEL Average Price Target Wall Street Target
27 USD -9.03%
STEL Highest Price Target Wall Street Target
28 USD -5.66%
Price
Max Price Target
Min Price Target
Average Price Target
32323131303029292828272726262525242423232222Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.49% DIVIDEND YIELD
0.14 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.050.10.10.130.130.130.130.140.050.10.10.130.130.130.130.140.050.10.10.130.130.130.130.050.200.050.350.10.400.10.490.130.520.130.520.130.520.140.420.00201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 16
6. Ownership
Insider Ownership Stellar Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.32 M USD 4
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Stellar Bancorp, Inc. Announces Dual Listing on NYSE Texas HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (“Stellar” or the “Company”) (NYSE: STEL) today announced a dual listing of its common stock on NYSE Texas, the newly launched fully electronic equities exchange headquartered in Dallas, Texas. “We are honored to be the first bank holding company to join NYSE Texas as a Founding Member. Our deep roots in Texas—and our unwavering focus on serving the financial needs of businesses and individuals across this great state—are key sources of competitiv. businesswire.com - 1 month ago
Stellar Bancorp, Inc. Announces Quarterly Dividend HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the “Company”) (NYSE: STEL) announced today that its Board of Directors declared a quarterly cash dividend of $0.14 per share of common stock payable on June 30, 2025, to the shareholders of record at the close of business on June 16, 2025. About Stellar Bancorp, Inc. Stellar Bancorp, Inc. is a bank holding company headquartered in Houston, Texas. The Company's principal banking subsidiary, Stellar Bank, provides a diversified range of commercial. businesswire.com - 1 month ago
Stellar Bancorp, Inc. (STEL) Q1 2025 Earnings Call Transcript Stellar Bancorp, Inc. (NYSE:STEL ) Q1 2025 Earnings Conference Call April 25, 2025 9:00 AM ET Company Participants Courtney Theriot - Executive Vice President, Chief Accounting Officer and Controller, Stellar Bank Robert Franklin, Jr. - Chief Executive Officer Paul Egge - Chief Financial Officer Ramon Vitulli - President, Stellar Bancorp, Inc., and Chief Executive Officer of Stellar Bank Joe West - Senior Executive Vice President and Chief Credit Officer Conference Call Participants David Feaster - Raymond James Will Jones - KBW Operator Thank you for standing by. My name is Karen and I will be your conference operator today. seekingalpha.com - 2 months ago
Stellar Bancorp (STEL) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates While the top- and bottom-line numbers for Stellar Bancorp (STEL) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
Stellar Bancorp (STEL) Q1 Earnings Top Estimates Stellar Bancorp (STEL) came out with quarterly earnings of $0.46 per share, beating the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.49 per share a year ago. zacks.com - 2 months ago
Stellar Bancorp, Inc. Reports First Quarter 2025 Results HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the “Company” or “Stellar”) (NYSE: STEL) today reported net income of $24.7 million or diluted earnings per share of $0.46, for the first quarter of 2025, compared to net income of $25.2 million, or diluted earnings per share of $0.47, for the fourth quarter of 2024. “We are pleased with the great work our team is doing as we turn our efforts from building our foundation to growing our bank,” said Robert R. Franklin, Jr., Stellar's Chief Executiv. businesswire.com - 2 months ago
Stellar Bancorp, Inc. Announces New Share Repurchase Program and Federal Reserve Membership HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the “Company”) (NYSE: STEL) today announced that its Board of Directors authorized a new share repurchase program under which the Company may repurchase up to $65 million of the Company's common stock through May 31, 2026 (the “2025-2026 Repurchase Program”). In May of 2024, the Company announced a share repurchase program under which the Company was authorized to repurchase up to $60 million of the Company's common stock through May 31, 2025 (th. businesswire.com - 2 months ago
Stellar Bancorp, Inc. Announces First Quarter 2025 Earnings Release and Conference Call Date HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the “Company”) (NYSE: STEL) will hold a conference call to discuss its first quarter 2025 results on Friday, April 25, 2025, at 8:00 a.m. Central Time (9:00 a.m. Eastern Time). The related earnings release will be issued prior to market opening on April 25, 2025, and will also be available on the Investor Relations section of the Company's website at https://ir.stellar.bank/events-and-presentations. Conference Call and Live Webcast Participants m. businesswire.com - 3 months ago
Stellar Bancorp, Inc. Announces Quarterly Dividend HOUSTON--(BUSINESS WIRE)--Stellar Bancorp, Inc. (the “Company”) (NYSE: STEL) announced today that its Board of Directors declared a quarterly cash dividend of $0.14 per share of common stock payable on March 31, 2025, to the shareholders of record at the close of business on March 17, 2025. About Stellar Bancorp, Inc. Stellar Bancorp, Inc. is a bank holding company headquartered in Houston, Texas. The Company's principal banking subsidiary, Stellar Bank, provides a diversified range of commerci. businesswire.com - 4 months ago
Stellar Bancorp, Inc. (STEL) Q4 2024 Earnings Conference Call Transcript Stellar Bancorp, Inc. (NYSE:STEL ) Q4 2024 Earnings Conference Call January 31, 2025 6:00 AM ET Company Participants Courtney Theriot - Executive Vice President, Chief Accounting Officer and Controller, Stellar Bank Robert Franklin, Jr. - Chief Executive Officer Paul Egge - Chief Financial Officer Ramon Vitulli - President, Stellar Bancorp, Inc., and Chief Executive Officer of Stellar Bank Conference Call Participants Will Jones - KBW Matthew Olney - Stephens Stephen Scouten - Piper Sandler John Rodis - Janney David Feaster - Raymond James Operator Good morning, and welcome everyone to Stellar Bank, Q4 Earnings Release. All lines have been placed on mute to prevent any background noise. seekingalpha.com - 5 months ago
Compared to Estimates, Stellar Bancorp (STEL) Q4 Earnings: A Look at Key Metrics The headline numbers for Stellar Bancorp (STEL) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 5 months ago
Stellar Bancorp (STEL) Q4 Earnings and Revenues Surpass Estimates Stellar Bancorp (STEL) came out with quarterly earnings of $0.52 per share, beating the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.55 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

Stellar Bancorp, Inc. STEL

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.53 B
Dividend Yield 0.49%
Description Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.
Contact 9 Greenway Plaza, Houston, TX, 77046 https://ir.stellarbancorpinc.com
IPO Date Nov. 8, 2017
Employees 1054
Officers Mr. Paul P. Egge Senior EVice President & Chief Financial Officer Mr. Okan I. Akin Chief Risk Officer Mr. Justin M. Long Esq. Senior EVice President, General Counsel & Corporate Secretary Courtney Theriot CPA Executive Vice President & Chief Accounting Officer Mr. Travis L. Jaggers President of Stellar Bank Mr. Ramon A. Vitulli III President Mr. Steven F. Retzloff Executive Chairman Mr. Robert R. Franklin Jr. Chief Executive Officer & Director Mr. Joe F. West Senior EVice President & Chief Credit Officer