STEL Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

107.89M

-0.16%

0.514

-1.15%

105.71M

+0.81%

0.460

107.56M

+3.21%

0.490

-3.92%

Estimates Revision

The market is revising Upward the revenue expectations for Stellar Bancorp, Inc. (STEL) for FY2025, with the revenue forecasts being adjusted by 0.07% over the past three months. During the same period, the stock price has changed by 3.16%.

Revenue Estimates for FY2025

Revise Upward

+0.07%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+1.84%

In Past 3 Month

Stock Price

Go Up

+3.16%

In Past 3 Month

2 Analyst Rating

Wall Street analysts forecast STEL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for STEL is 32.50 USD with a low forecast of 32.00 USD and a high forecast of 33.00 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

Current: 0.000

Low

32.00

Averages

32.50

High

33.00

Current: 0.000

Low

32.00

Averages

32.50

High

33.00

Keefe Bruyette

Market Perform

maintain

$32 -> $33

2025-10-27

Reason

Keefe Bruyette

Price Target

$32 -> $33

2025-10-27

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Stellar Bancorp to $33 from $32 and keeps a Market Perform rating on the shares.

Raymond James

David Feaster

Outperform

downgrade

$34 -> $32

2025-10-24

Reason

Raymond James

David Feaster

Price Target

$34 -> $32

2025-10-24

downgrade

Outperform

Reason

Raymond James analyst David Feaster lowered the firm's price target on Stellar Bancorp to $32 from $34 and keeps an Outperform rating on the shares following Q3 results. Raymond James told investors that loan growth remains challenging as payoffs/paydowns continue to offset solid originations, where there was some slippage into Q4 as well. The firm added that pipelines suggest activity remains solid and it expects to outpace these headwinds next year. Raymond James continues to see the outlook favorably for Stellar Bancorp as growth accelerates, and the firm sees it as likely to outperform in light of the "strong" economic backdrop in Texas and its pure-play footprint, especially as industry consolidation continues.

Piper Sandler

Neutral

maintain

$27 -> $30

2025-07-29

Reason

Piper Sandler

Price Target

$27 -> $30

2025-07-29

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

Reason

Keefe Bruyette

Price Target

$29 -> $32

2025-07-28

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

Valuation Metrics

The current forward P/E ratio for Stellar Bancorp Inc (STEL.N) is 15.48, compared to its 5-year average forward P/E of 9.29. 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.

5Y Average PE

9.29

Current PE

15.48

Overvalued PE

15.03

Undervalued PE

3.55

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.

5Y Average PS

3.14

Current PS

3.65

Overvalued PS

3.57

Undervalued PS

2.72

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

STEL News & Events

Events Timeline

No data

News

9.5

01-05Businesswire

Stellar Bancorp to Release Q4 2025 Earnings on January 30, 2026

4.0

2025-12-17NASDAQ.COM

Stellar Bancorp (STEL) Receives Upgrade to Buy: Implications for the Stock

8.0

2025-11-20Newsfilter

Stellar Bancorp, Inc. Declares Higher Quarterly Dividend

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Frequently Asked Questions

What is Stellar Bancorp Inc (STEL) stock price today?

The current price of STEL is 31.62 USD — it has decreased -1.28 % in the last trading day.

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

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.

What is the price predicton of STEL Stock?

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

Stellar Bancorp Inc revenue for the last quarter amounts to 103.39M USD, decreased -0.84 % YoY.

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

Stellar Bancorp Inc. EPS for the last quarter amounts to 0.50 USD, decreased -20.63 % YoY.

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?

Stellar Bancorp Inc (STEL) has 1023 emplpoyees as of January 10 2026.

What is Stellar Bancorp Inc (STEL) market cap?

Today STEL has the market capitalization of 1.62B USD.