STEL Valuation

Stellar Bancorp Inc

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30.920

-0.13(-0.419%)1D

Overview
Forecast
Valuation
Earnings

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 16.18 is considered Overvalued compared with the five-year average of 8.19. The fair price of Stellar Bancorp Inc (STEL) is between 8.58 to 26.68 according to relative valuation methord. Compared to the current price of 30.92 USD , Stellar Bancorp Inc is Overvalued By 15.89%.

Relative Value

Fair Zone

8.58-26.68

Current Price：30.92

15.89%

Overvalued

16.18

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.

3.72

Stellar Bancorp Inc. (STEL) has a current PS of 3.72. The 5-year average PS is 3.08. The thresholds are as follows: Strongly Undervalued below 2.23, Undervalued between 2.23 and 2.65, Fairly Valued between 3.50 and 2.65, Overvalued between 3.50 and 3.93, and Strongly Overvalued above 3.93. The current Forward PS of 3.72 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 10.09% higher. Relative to its 5-year average P/B ratio of 0.83, the current P/B ratio is about 19.58% higher. Stellar Bancorp Inc (STEL) has a Forward Free Cash Flow (FCF) yield of approximately 4.94%. Compared to its 3-year average FCF yield of 9.56%, the current FCF yield is approximately -48.34% lower. Relative to its 5-year average FCF yield of 9.71% , the current FCF yield is about -49.15% lower.

0.99

P/B

Median3y

0.90

Median5y

0.83

4.94

FCF Yield

Median3y

9.56

Median5y

9.71

Competitors Valuation Multiple

The average P/S ratio for STEL's competitors is 3.74, providing a benchmark for relative valuation. Stellar Bancorp Inc Corp (STEL) exhibits a P/S ratio of 3.72, which is -0.53% above the industry average. Given its robust revenue growth of -2.99%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Foreign Trade Bank of Latin America Inc

Pathward Financial Inc

2.10

15.47%

1.82B

Performance Decomposition

Market capitalization of STEL increased by 20.57% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 11.23 to 14.85.

The secondary factor is the Revenue Growth, contributed -2.99%to the performance.

Overall, the performance of STEL in the past 1 year is driven by P/E Change. Which is more unsustainable.

-2.99%

104.19M → 101.08M

Revenue Growth

-8.72%

28.56 → 26.07

Margin Expansion

32.28%

11.23 → 14.85

P/E Change

20.57%