Stock Price Prediction

STEL stock shows a bullish outlook due to its strong Q4 performance, with GAAP EPS of $0.52 beating estimates by $0.03 and revenue of $107.99M exceeding expectations despite a 4.3% YoY decline. Management's focus on mid-single-digit loan growth and stable net interest margins in 2025 supports optimism. Analysts maintain a cautious tone on expense control, but the stock's tangible book value growth to $19.10 and robust capital position provide a solid foundation for future growth.

STEL stock currently faces bearish sentiment due to rising expenses and competitive pressures in the Houston market, despite a strong Q4 EPS of $0.52 and revenue of $107.99M. Analysts are cautious about its ability to achieve positive operating leverage, with Stephens recently downgrading the stock to Equal Weight. The stock's near-term outlook suggests limited upside, with a price target of $29 reflecting modest growth potential.

The market consensus for STEL's revenue in the upcoming quarter is projected to be approximately $105.715M USD.

The market consensus for STEL's eps in the upcoming quarter is projected to be approximately $0.442 USD.