STEL PE Ratio & Valuation,Is STEL Overvalued

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 16.32 is considered Overvalued compared with the five-year average of 9.09. The fair price of Stellar Bancorp Inc (STEL) is between 9.70 to 28.04 according to relative valuation methord. Compared to the current price of 32.30 USD , Stellar Bancorp Inc is Overvalued By 15.18%.

Relative Value

Fair Zone

9.70-28.04

Current Price：32.30

15.18%

Overvalued

16.32

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.

3.85

Stellar Bancorp Inc. (STEL) has a current PS of 3.85. The 5-year average PS is 3.14. The thresholds are as follows: Strongly Undervalued below 2.30, Undervalued between 2.30 and 2.72, Fairly Valued between 3.56 and 2.72, Overvalued between 3.56 and 3.98, and Strongly Overvalued above 3.98. The current Forward PS of 3.85 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 1.00. Compared to its 3-year average P/B ratio of 0.90 , the current P/B ratio is approximately 11.18% higher. Relative to its 5-year average P/B ratio of 0.85, the current P/B ratio is about 17.64% higher. Stellar Bancorp Inc (STEL) has a Forward Free Cash Flow (FCF) yield of approximately 5.01%. Compared to its 3-year average FCF yield of 9.32%, the current FCF yield is approximately -46.20% lower. Relative to its 5-year average FCF yield of 9.57% , the current FCF yield is about -47.64% lower.

1.00

P/B

Median3y

0.90

Median5y

0.85

5.01

FCF Yield

Median3y

9.32

Median5y

9.57

Competitors Valuation Multiple

The average P/S ratio for STEL's competitors is 2.73, providing a benchmark for relative valuation. Stellar Bancorp Inc Corp (STEL) exhibits a P/S ratio of 3.85, which is 40.73% above the industry average. Given its robust revenue growth of -0.84%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of STEL increased by 14.36% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 12.04 to 16.71.

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.

-0.84%

104.27M → 103.39M

Revenue Growth

-23.60%

32.50 → 24.83

Margin Expansion

38.80%

12.04 → 16.71

P/E Change

14.36%

28.35 → 32.42

Mkt Cap Growth

People Also Watch

Frequently Asked Questions

Is Stellar Bancorp Inc (STEL) currently overvalued or undervalued?

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 9.70 to 28.04 according to relative valuation methord.

How does STEL's valuation metrics compare to the industry average?

What is the current P/B ratio for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

As of Dec 15 2025, Stellar Bancorp Inc (STEL) has a P/B ratio of 1.00. This indicates that the market values STEL at 1.00 times its book value.

What is the current FCF Yield for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

As of Dec 15 2025, Stellar Bancorp Inc (STEL) has a FCF Yield of 5.01%. This means that for every dollar of Stellar Bancorp Inc’s market capitalization, the company generates 5.01 cents in free cash flow.

What is the current Forward P/E ratio for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

As of Dec 15 2025, Stellar Bancorp Inc (STEL) has a Forward P/E ratio of 16.32. This means the market is willing to pay $16.32 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 Dec 15 2025?

As of Dec 15 2025, Stellar Bancorp Inc (STEL) has a Forward P/S ratio of 3.85. This means the market is valuing STEL at $3.85 for every dollar of expected revenue over the next 12 months.

STEL Valuation

STEL Valuation

STEL Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Stellar Bancorp Inc (STEL) currently overvalued or undervalued?

What is Stellar Bancorp Inc (STEL) fair value?

How does STEL's valuation metrics compare to the industry average?

What is the current P/B ratio for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

What is the current FCF Yield for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

What is the current Forward P/E ratio for Stellar Bancorp Inc (STEL) as of Dec 15 2025?

What is the current Forward P/S ratio for Stellar Bancorp Inc (STEL) as of Dec 15 2025?