Stock Price & Analysis

Analysis and Insights

To determine whether to buy or sell STEL stock, we analyze both technical and fundamental factors.

Technical Analysis:

STEL's stock price is currently at $27.36, with a pre-market decline of 0.98%. The stock has been trading in a range between $26.07 and $29.09 over the past few months, indicating a sideways trend. The 50-day moving average is $27.43, and the 200-day moving average is $26.85, suggesting the stock is hovering around these key levels.

The Relative Strength Index (RSI) is 46.76, below 50, indicating potential bearish momentum. Fibonacci levels show a pivot at $27.43, with resistance at $27.94 and $28.26, and support at $26.92 and $26.61.

Fundamental Analysis:

STEL reported strong Q4 earnings, with EPS of $0.52 beating estimates by $0.03. However, revenue was slightly down year-over-year. Management expressed confidence in growth plans, particularly in commercial real estate loans, but analysts have mixed opinions, with some downgrading the stock to Equal Weight.

Analyst Sentiment:

Recent ratings include a Buy with a $31 target and a Hold with the same target, indicating mixed sentiment.

Conclusion:

While STEL has positive fundamentals, technical indicators and mixed analyst sentiment suggest caution. The stock may face short-term weakness, and it might be wise to hold or consider selling if it breaks below support levels. Waiting for a clearer trend before buying could be prudent.

The predicted price for STEL stock in 2025 is $27.50, with the stock showing stability around its current level of $27.36.

The S1 support level for STEL Stock is $27.14 ,The R1 resistant level for STEL Stock is $28.01.

As of the end of day on 2025-03-31, the price of STEL Stock was $27.66.

The target price for STEL Stock according to analyst rating is 30.33, with the highest price target at 31.00 and the lowest at 29.00. Analysts have a Moderate Buy rating on STEL Stock overall.

The market cap of STEL is $1.5B.

STEL appears to be fairly valued based on its stable revenue and net income, but the lack of key valuation metrics makes it difficult to confirm overvaluation. The stock's current price is $27.36, and while it has shown resilience, mixed analyst opinions suggest caution. Investors should wait for more data before deciding.

Stellar Bancorp, Inc. is a bank holding company. Through its wholly owned subsidiary, Stellar Bank (the Bank), the Company provides a diversified range of commercial banking services primarily to small-to-medium-sized businesses, professionals and individual customers within its markets. The Company offers a range of commercial and retail lending services, including commercial loans, loans to small businesses guaranteed by the small business administration (the SBA), mortgage loans, home equity loans, personal loans and automobile loans, among others. The types of deposit accounts that the Company offers are typical of most commercial banks and consist of checking accounts, commercial accounts, money market accounts, savings accounts and other time deposits of various types and terms. It operates over 60 full-service banking centers, with 43 banking centers in the Houston region, 16 banking centers in the Beaumont region and one banking center in Dallas, Texas.

The price prediction for STEL stock by 2030 is $45 per share. This forecast is based on current growth trends, strong Q4 earnings, and analyst price targets around $31, suggesting a bullish long-term outlook.

STEL has a total of 980 employees.