Stellar Bancorp, Inc.

Valuation Analysis

About the Company

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also offers commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; com

Stellar Bancorp, Inc. Stock at a Glance

Stellar Bancorp, Inc. (STEL) is currently trading at $38.87 with a market capitalization of $2B. The trailing P/E ratio stands at 18.87x, with a forward P/E of 16.56x. The 52-week range spans from $26.30 to $40.21; the current price is 3.3% below the yearly high. Year-over-year revenue growth stands at +7.3%. The net profit margin stands at 24.99%.

💰 Dividend

Stellar Bancorp, Inc. pays an annual dividend of $0.60 per share, representing a yield of 1.54%. The payout ratio stands at 28.16%.

📊 Analyst Rating

2 analysts rate Stellar Bancorp, Inc. (STEL) on consensus: None. The average price target is $38.00, implying -2.24% from the current price. Analyst price targets range from $32.00 to $44.00.

Stellar Bancorp, Inc.: The Investment Case in Detail

Stellar Bancorp, Inc. (STEL) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

What to Watch Next

• The forward P/E of 16.56x is meaningfully below the trailing 18.87x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 90.4% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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