
STEL
Stellar Bancorp Inc
- Overview
- Forecast
- Valuation
- Earnings

Line
|

Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
30.740
Open
30.740
VWAP
30.14
Vol
272.03K
Mkt Cap
1.54B
Low
29.890
Amount
8.20M
EV/EBITDA(TTM)
9.16
Total Shares
53.57M
EV
1.55B
EV/OCF(TTM)
48.60
P/S(TTM)
3.85
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. The Company operates over 54 full-service banking centers, with 37 banking centers in the Houston region, 16 banking centers in the Beaumont region and one banking center in Dallas, Texas.
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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
105.87M
+0.97%
0.450
-2.17%
107.16M
-0.84%
0.486
-6.54%
105.92M
-1.75%
0.490
-22.22%
Estimates Revision
The market is revising No Change the revenue expectations for Stellar Bancorp, Inc. (STEL) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 18.52%.
Revenue Estimates for FY2025
No Change

0.00%
In Past 3 Month
EPS Estimates for FY2025
No Change

0.00%
In Past 3 Month
Stock Price
Go Up

+18.52%
In Past 3 Month
2 Analyst Rating

-5.03% Downside
Wall Street analysts forecast STEL stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for STEL is 28.50 USD with a low forecast of 28.00 USD and a high forecast of 29.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Buy
1 Hold
0 Sell
Moderate Buy

-5.03% Downside
Current: 30.010

Low
28.00
Averages
28.50
High
29.00

-5.03% Downside
Current: 30.010

Low
28.00
Averages
28.50
High
29.00
Piper Sandler
Neutral
maintain
$27 -> $30
2025-07-29
New
Reason
Piper Sandler
Price Target
$27 -> $30
2025-07-29
New
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on Stellar Bancorp to $30 from $27 and keeps a Neutral rating on the shares. The firm notes loan originations nearly doubled to $640M since the prior quarter, signaling a return to organic growth, while asset quality remained strong with NCOs/Avg. Stellar Bancorp continues to be positioned for core growth in the second half of 2025, assisted by management focus on core deposits, their opportunistic Texas-based M&A attitude, and the bank's robust 15.98% total risk-based capital, Piper points out. That said, accretion run-off will still pressure overall earnings growth, and the firm does not see a more meaningful catalyst to earnings as likely near-term.
Keefe Bruyette
Market Perform
maintain
$29 -> $32
2025-07-28
New
Reason
Keefe Bruyette
Price Target
$29 -> $32
2025-07-28
New
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Stellar Bancorp to $32 from $29 and keeps a Market Perform rating on the shares.
Keefe, Bruyette & Woods
Catherine Mealor
Hold
Maintains
$33 → $31
2025-02-03
Reason
Keefe, Bruyette & Woods
Catherine Mealor
Price Target
$33 → $31
2025-02-03
Maintains
Hold
Reason
Raymond James
David Feaster
Buy
Reiterates
$30 → $31
2025-02-03
Reason
Raymond James
David Feaster
Price Target
$30 → $31
2025-02-03
Reiterates
Buy
Reason
Keefe, Bruyette & Woods
Catherine Mealor
Hold
Maintains
$28 → $29
2024-11-01
Reason
Keefe, Bruyette & Woods
Catherine Mealor
Price Target
$28 → $29
2024-11-01
Maintains
Hold
Reason
See All Ratings
Valuation Metrics
The current forward P/E ratio for Stellar Bancorp Inc (STEL.N) is 16.01, compared to its 5-year average forward P/E of 7.91. For a more detailed relative valuation and DCF analysis to assess Stellar Bancorp Inc 's fair value, click here.
Forward PE
The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Overvalued
5Y Average PE
7.91
Current PE
16.01
Overvalued PE
13.84
Undervalued PE
1.97
Forward EV/EBITDA
The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00
Forward PS
The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued
5Y Average PS
3.05
Current PS
3.74
Overvalued PS
3.49
Undervalued PS
2.62
Financials
Annual
Quarterly
FY2025Q2
YoY :
-2.99%
101.08M
Total Revenue
FY2025Q2
YoY :
-12.02%
33.09M
Operating Profit
FY2025Q2
YoY :
-11.43%
26.35M
Net Income after Tax
FY2025Q2
YoY :
-8.93%
0.51
EPS - Diluted
FY2025Q2
YoY :
-519.50%
135.45M
Free Cash Flow
FY2025Q2
YoY :
-70.12%
6.46
FCF Margin - %
FY2025Q2
YoY :
-8.72%
26.07
Net Margin - %
FY2025Q2
YoY :
+1.69%
6.02
ROIC
Trading Trends
Insider
Insiders areSelling! The selling amount has increased 352.93% over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
1.0M
USD
4
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
1
20.0K
Volume
Months
6-9
1
46.4K
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders areSelling! The selling amount has increased 352.93% over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
1.0M
USD
4
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
STEL News & Events
Events Timeline
2025-07-25 (ET)
2025-07-25
07:17:21
Stellar Bancorp reports Q2 EPS 51c, consensus 45c

2025-06-03 (ET)
2025-06-03
08:09:46
Stellar Bancorp announces dual listing on NYSE Texas

2025-04-25 (ET)
2025-04-25
07:24:19
Stellar Bancorp reports Q1 EPS 46c, consensus 44c

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News
9.5
07-25NASDAQ.COMStellar Bancorp Inc. Q2 Income Declines, But Beats Estimates
4.0
07-02NASDAQ.COMSTEL Crosses Above Average Analyst Target
8.0
06-27NASDAQ.COMStellar Bancorp (STEL) Passes Through 2% Yield Mark
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FAQ

What is Stellar Bancorp Inc (STEL) stock price today?
The current price of STEL is 30.01 USD — it has decreased -1.9 % in the last trading day.

What is Stellar Bancorp Inc (STEL)'s business?

What is the price predicton of STEL Stock?

What is Stellar Bancorp Inc (STEL)'s revenue for the last quarter?

What is Stellar Bancorp Inc (STEL)'s earnings per share (EPS) for the last quarter?

What changes have occurred in the market's expectations for Stellar Bancorp Inc (STEL)'s fundamentals?

How many employees does Stellar Bancorp Inc (STEL). have?
