NYSE:STEL · New York Stock Exchange
+$0.08 today
Vol 1.89M · Avg 0.32M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of Stellar Bancorp, Inc. earnings power becomes long-term shareholder value. Use this page to compare STEL returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
6.2%
avg 7.6%
ROIC
1.0%
avg 6.2%
ROA
1.0%
avg 1.1%
Analysis
ROE is currently the strongest return metric at 6.2% versus its period average of 7.6%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Robert R. Franklin Jr. | Chief Executive Officer & Director | $1.74M | — | 71 | $0.00 | <0.01% |
Ramon A. Vitulli | President | $1.03M | — | 58 | $0.00 | <0.01% |
Steven F. Retzloff | Executive Chairman | $985,304.00 | — | 70 | $0.00 | <0.01% |
Paul Egge | Senior EVP & CFO | $888,833.00 | — | 48 | $0.00 | <0.01% |
Justin Long | Senior EVice President, General Counsel & Corporate Secretary | $705,597.00 | — | 51 | $0.00 | <0.01% |
Okan I. Akin | Senior Executive VP & Chief Risk Officer | $663,213.00 | — | 55 | $0.00 | <0.01% |
Courtney Theriot | Executive Vice President & Chief Accounting Officer | — | — | — | — | — |
Jason D. Sirkel | Chief Banking Officer | — | — | 55 | $0.00 | <0.01% |
Joe F. West | Senior EVP & Chief Credit Officer | — | — | 71 | $0.00 | <0.01% |
Insider Trading
SEC Form 4 transactions — last 12 months
No insider transactions in the last 12 months.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | +18.3% | +2.2% (8yr)3 analysts |
| Revenue | N/A | N/A | +11.3% | +13.4% (8yr)3 analysts |
| Net Income | N/A | N/A | +22.9% | +11.9% (8yr)3 analysts |
| EBIT | N/A | N/A | +16.5% | +8.5% (8yr)3 analysts |
Analysis
Recent growth has been strongest in Net Income at +22.9% over three years. Forward estimates point to Revenue at +13.4% (8yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
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Lakeland Financial Corporation
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Who manages STEL?
Stellar Bancorp, Inc. (STEL) lists 9 active executives. The top listed executive is Courtney Theriot, Executive Vice President & Chief Accounting Officer.
Are STEL insiders buying or selling?
Recent insider activity shows net selling of $3.69M.
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