STEL Relative Valuation
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. If the market price exceeds this fair value range, STEL is overvalued; if below, it's undervalued.
Historical Valuation
Stellar Bancorp Inc (STEL) is now in the Overvalued zone, suggesting that its current forward PE ratio of 16.05 is considered Overvalued compared with the five-year average of 9.01. The fair price of Stellar Bancorp Inc (STEL) is between 9.53 to 27.92 according to relative valuation methord. Compared to the current price of 31.78 USD , Stellar Bancorp Inc is Overvalued By 13.82%.
Relative Value
Fair Zone
9.53-27.92
Current Price：31.78
13.82%
Overvalued
16.09
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Stellar Bancorp Inc. (STEL) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
Stellar Bancorp Inc. (STEL) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
3.78
PS
Stellar Bancorp Inc. (STEL) has a current PS of 3.78. The 5-year average PS is 3.13. The thresholds are as follows: Strongly Undervalued below 2.30, Undervalued between 2.30 and 2.72, Fairly Valued between 3.55 and 2.72, Overvalued between 3.55 and 3.97, and Strongly Overvalued above 3.97. The current Forward PS of 3.78 falls within the Overvalued range.
0.00
P/OCF
Stellar Bancorp Inc. (STEL) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Stellar Bancorp Inc. (STEL) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Stellar Bancorp Inc (STEL) has a current Price-to-Book (P/B) ratio of 0.99. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 9.47% higher. Relative to its 5-year average P/B ratio of 0.85, the current P/B ratio is about 15.96% higher. Stellar Bancorp Inc (STEL) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 9.32%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.58% , the current FCF yield is about -100.00% lower.
0.99
P/B
Median3y
0.90
Median5y
0.85
5.10
FCF Yield
Median3y
9.32
Median5y
9.58
Competitors Valuation Multiple
The average P/S ratio for STEL's competitors is 0.00, providing a benchmark for relative valuation. Stellar Bancorp Inc Corp (STEL) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -0.84%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of STEL increased by 12.77% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 12.01 to 16.48.
The secondary factor is the Revenue Growth, contributed -0.84%to the performance.
Overall, the performance of STEL in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
Is Stellar Bancorp Inc (STEL) currently overvalued or undervalued?
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What is the current P/B ratio for Stellar Bancorp Inc (STEL) as of Dec 05 2025?
What is the current FCF Yield for Stellar Bancorp Inc (STEL) as of Dec 05 2025?
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