Stellar Bancorp, Inc. (STEL)
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52-Week Range
Current price 39.20 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 20.2% passed
- More than 10% revenue growth is expected for the coming year 4.4% failed
- Share count grows by less than 3% a year 14.0% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 10.9% failed
- Gross margin at 40% or higher and without meaningful erosion 69.3% failed
- Goodwill from acquisitions does not grow faster than revenue 4.6% passed
- Net debt below twice EBITDA 2,184 m net cash passed
- Operating cash flow covers the profits of the last three years 49 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.2% failed
- Insiders hold at least 10% or are net buyers 10.0% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 3.1% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.16 | 2.16 – 2.16 | 0 | 8.5% | 1 |
| 12/31/2027 | 2.35 | 2.20 – 2.44 | 463 | 8.7% | 4 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.47 | -7.90 | 155 | -2.50 | 16.30 | 4 | 3 |
| 2025: Q1 | 0.46 | -5.20 | 148 | -4.50 | 16.70 | -6 | -6 |
| 2025: Q2 | 0.51 | -7.90 | 149 | -5.80 | 17.70 | 26 | 27 |
| 2025: Q3 | 0.50 | -21.00 | 150 | -4.90 | 17.10 | 64 | 63 |
| 2025: Q4 | 0.51 | 8.70 | 150 | -3.60 | 17.50 | 13 | 12 |
| 2026: Q1 | 0.53 | 13.60 | 144 | -2.90 | 18.80 | 17 | 16 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 124 | 39 | 27 | 1.22 | 36 | 358 | 2,952 |
| 2017 | 129 | 44 | 28 | 1.22 | 36 | 446 | 3,081 |
| 2018 | 149 | 59 | 47 | 1.89 | 49 | 488 | 3,279 |
| 2019 | 171 | 62 | 51 | 2.02 | 56 | 536 | 3,479 |
| 2020 | 250 | 56 | 46 | 1.56 | 40 | 546 | 3,949 |
| 2021 | 262 | 100 | 82 | 2.82 | 35 | 816 | 7,105 |
| 2022 | 343 | 63 | 51 | 1.47 | 109 | 1,383 | 10,900 |
| 2023 | 615 | 162 | 131 | 2.45 | 168 | 1,521 | 10,647 |
| 2024 | 625 | 145 | 115 | 2.15 | 133 | 1,608 | 10,906 |
| 2025 | 596 | 128 | 103 | 1.99 | 97 | 1,669 | 10,807 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Stellar Bancorp, Inc. ist als Bankholdinggesellschaft tätig, die eine Reihe von Firmenkunden-Bankprodukten und -dienstleistungen hauptsächlich für kleine und mittelgroße Unternehmen, Fachkräfte und Privatkunden anbietet.
| Employees | 1,053 |
|---|---|
| Headquarters | Houston, TX |
| Address | 9 Greenway Plaza, 77046 Houston, United States |
| Phone | 713 210 7600 |
| Website | stellar.bank |
| IPO Date | 22. Jan 2002 |
| ISIN | US8589271068 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Steven F. Retzloff | Executive Chairman | 1956 |
| Robert R. Franklin Jr. | CEO & Director | 1955 |
| Ramon A. Vitulli III | President | 1968 |
| Paul P. Egge | Senior EVP & CFO | 1978 |
| Justin M. Long Esq. | Senior EVP, General Counsel & Corporate Secretary | 1975 |
| Courtney Theriot CPA | Executive VP & Chief Accounting Officer | – |
| Okan I. Akin | Senior Executive VP & Chief Risk Officer | 1971 |
| Joe F. West | Senior EVP & Chief Credit Officer | 1955 |
| Jason D. Sirkel | Chief Banking Officer | 1971 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.