Historical Valuation
Stellar Bancorp Inc (STEL) is now in the Overvalued zone, suggesting that its current forward PE ratio of 15.48 is considered Overvalued compared with the five-year average of 9.29. The fair price of Stellar Bancorp Inc (STEL) is between 10.46 to 29.46 according to relative valuation methord. Compared to the current price of 32.03 USD , Stellar Bancorp Inc is Overvalued By 8.72%.
Relative Value
Fair Zone
10.46-29.46
Current Price：32.03
8.72%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Stellar Bancorp Inc (STEL) has a current Price-to-Book (P/B) ratio of 0.95. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 5.49% higher. Relative to its 5-year average P/B ratio of 0.86, the current P/B ratio is about 11.19% higher. Stellar Bancorp Inc (STEL) has a Forward Free Cash Flow (FCF) yield of approximately 5.28%. Compared to its 3-year average FCF yield of 9.30%, the current FCF yield is approximately -43.19% lower. Relative to its 5-year average FCF yield of 9.57% , the current FCF yield is about -44.77% lower.
P/B
Median3y
0.90
Median5y
0.86
FCF Yield
Median3y
9.30
Median5y
9.57
Competitors Valuation Multiple
AI Analysis for STEL
The average P/S ratio for STEL competitors is 2.75, providing a benchmark for relative valuation. Stellar Bancorp Inc Corp (STEL.N) exhibits a P/S ratio of 3.65, which is 32.9% above the industry average. Given its robust revenue growth of -0.84%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for STEL
1Y
3Y
5Y
Market capitalization of STEL increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of STEL in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is STEL currently overvalued or undervalued?
Stellar Bancorp Inc (STEL) is now in the Overvalued zone, suggesting that its current forward PE ratio of 15.48 is considered Overvalued compared with the five-year average of 9.29. The fair price of Stellar Bancorp Inc (STEL) is between 10.46 to 29.46 according to relative valuation methord. Compared to the current price of 32.03 USD , Stellar Bancorp Inc is Overvalued By 8.72% .
What is Stellar Bancorp Inc (STEL) fair value?
STEL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Stellar Bancorp Inc (STEL) is between 10.46 to 29.46 according to relative valuation methord.
How does STEL's valuation metrics compare to the industry average?
The average P/S ratio for STEL's competitors is 2.75, providing a benchmark for relative valuation. Stellar Bancorp Inc Corp (STEL) exhibits a P/S ratio of 3.65, which is 32.90% above the industry average. Given its robust revenue growth of -0.84%, this premium appears unsustainable.
What is the current P/B ratio for Stellar Bancorp Inc (STEL) as of Jan 10 2026?
As of Jan 10 2026, Stellar Bancorp Inc (STEL) has a P/B ratio of 0.95. This indicates that the market values STEL at 0.95 times its book value.
What is the current FCF Yield for Stellar Bancorp Inc (STEL) as of Jan 10 2026?
As of Jan 10 2026, Stellar Bancorp Inc (STEL) has a FCF Yield of 5.28%. This means that for every dollar of Stellar Bancorp Inc’s market capitalization, the company generates 5.28 cents in free cash flow.
What is the current Forward P/E ratio for Stellar Bancorp Inc (STEL) as of Jan 10 2026?
As of Jan 10 2026, Stellar Bancorp Inc (STEL) has a Forward P/E ratio of 15.48. This means the market is willing to pay $15.48 for every dollar of Stellar Bancorp Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Stellar Bancorp Inc (STEL) as of Jan 10 2026?
As of Jan 10 2026, Stellar Bancorp Inc (STEL) has a Forward P/S ratio of 3.65. This means the market is valuing STEL at $3.65 for every dollar of expected revenue over the next 12 months.