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Stellar Bancorp, Inc.
STEL
NYSE·Financial Services·Banks - Regional·Mkt cap $2.0B
$39.25
▼ -0.17%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$27.88 - $40.21
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 34.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Regional market expertise and deep community relationships in high-growth Texas markets
- Specialized focus on small and medium-sized businesses with personalized service model
- Diversified loan portfolio reducing concentration risk across commercial, real estate, and consumer segments
- Established branch network in strategic Southeast locations with strong local presence
- Integrated digital banking platform combining traditional relationship banking with modern technology
Bear Case
2 risks
- Low volatility (beta 0.7).
- Significant premium - growth priced in
Growth
Revenue decline expected
Population and economic growth in Texas markets, particularly Houston metropolitan area
Value
Significant premium - growth priced in
Momentum
Strong
+7.2% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
1.50% yield
Smart-money signal
Who's buying STEL right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 23, 2026
APR 28, 2026
Reported EPS of $0.58 vs $0.50 consensus (+16.0% surprise). Revenue of $111.0M vs $108.4M expected (+2.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+16.0%
Next: Apr 23, 2026
Revenue trend · last 8Q
—
—
-4%
-3%
-3%
-2%
+38%
-3%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$106.8M
$107.8M
$108.0M
$147.8M
$148.5M
$150.4M
$149.5M
$143.6M
Margins · last 8Q
Gross
—
Operating
—
Profit
18.8%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · Feb 3, 2026