Stellar Bancorp, Inc. (NYSE: STEL) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 19.18 | EPS (ttm) | 2.05 | Insider Own | 12.27% | Shs Outstand | 50.92M | Perf Week | 1.11% |
| Market Cap | 2.00B | Forward P/E | 16.38 | EPS next Y | 2.40 | Insider Trans | 0.00% | Shs Float | 50.68M | Perf Month | 5.30% |
| Enterprise Value | 1.63B | PEG | - | EPS next Q | - | Inst Own | - | Short Float | 1.52% | Perf Quarter | 9.16% |
| Income | 104.92M | P/S | 3.38 | EPS this Y | 8.29% | Inst Trans | - | Short Ratio | 1.71 | Perf Half Y | 26.15% |
| Sales | 592.02M | P/B | 1.20 | EPS next Y | 8.11% | ROA | 0.97% | Short Interest | 772.89K | Perf YTD | 27.08% |
| Book/sh | - | P/C | 16.85 | EPS next 5Y | 8.11% | ROE | 6.38% | 52W High | 40.21 -2.21% | Perf Year | 40.13% |
| Cash/sh | - | P/FCF | 17.02 | EPS past 3/5Y | 10.62% 13.43% | ROIC | 5.53% | 52W Low | 27.88 41.03% | Perf 3Y | 73.29% |
| Dividend Est. | 0.60 (1.53%) | EV/EBITDA | 10.23 | Sales past 3/5Y | 20.22% 18.98% | Gross Margin | 69.94% | Volatility | 1.31% 1.36% | Perf 5Y | 42.41% |
| Dividend TTM | 0.59 (1.50%) | EV/Sales | 2.75 | EPS Y/Y TTM | -4.65% | Oper. Margin | 21.99% | ATR (14) | 0.54 | Perf 10Y | - |
| Dividend Ex-Date | Jun 15, 2026 | Quick Ratio | 0.23 | Sales Y/Y TTM | -5.28% | Profit Margin | 17.76% | RSI (14) | 63.91 | Recom | 2.50 |
| Dividend Gr. 3/5Y | 3.11% 7.34% | Current Ratio | 0.23 | EPS Q/Q | 26.09% | SMA20 | 2.38% | Beta | 0.71 | Target Price | 29.50 |
| Payout | 26.71% | Debt/Eq | 0.11 | Sales Q/Q | -2.70% | SMA50 | 4.16% | Rel Volume | 13.13 | Prev Close | 39.31 |
| Employees | 1,053 | LT Debt/Eq | 0.02 | Earnings | Jul 24 | SMA200 | 14.18% | Avg Volume | 452.50K | Price | 39.32 |
| IPO Date | Nov 08, 2017 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 16.00% 2.42% | Net Debt/EBITDA | -2.35 | Volume | 5,942,600 | Change | 0.03% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Feb-03-26 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Oct-24-25 | Reiterated | Raymond James | Outperform | $34 → $32 |
| Apr-28-25 | Reiterated | Raymond James | Outperform | $31 → $28 |
| Jul-29-24 | Reiterated | Piper Sandler | Neutral | $25 → $27 |
| May-03-24 | Reiterated | Piper Sandler | Overweight | $25 |
| Jan-30-23 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Jun-12-13 | Downgrade | Raymond James | Strong Buy → Market Perform | |
| Oct-25-12 | Upgrade | Raymond James | Outperform → Strong Buy |
Stellar Bancorp, Inc. serves as a bank holding company, offering a comprehensive array of commercial banking services. Its core clientele consists of small to medium-sized businesses, various professionals, and individual consumers. The institution provides diverse deposit options, including checking, commercial, money market, and savings accounts, along with other time deposits and certificates of deposit. Its robust loan portfolio spans commercial and industrial financing, commercial real estate loans (which cover multi-family residential properties, construction, and land development), residential real estate lending (such as 1-4 family residential mortgages and new home construction loans), plus consumer and other miscellaneous loan products. For customer convenience, Stellar Bancorp offers access via automated teller machines, drive-through services, and traditional depository facilities. It also embraces digital banking with mobile, telephone, mail, and internet-based services. Additionally, the company furnishes safe deposit boxes, debit cards, cash management and wire transfer solutions, night depository services, direct deposit functionalities, cashier's checks, and letters of credit. Established in 2007 and based in Houston, Texas, Stellar Bancorp, Inc. maintains a physical presence across the Southeast region, with locations in key Texan cities like Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 592 | 596 | 625 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 178 | 183 | 192 | — | — | — | — | — | — | |
| Gross Profit | 414 | 413 | 434 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 106 | 180 | 177 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 178 | 105 | 112 | — | — | — | — | — | — | |
| Operating Income | 130 | 128 | 145 | — | — | — | — | — | — | |
| Interest Expense | 169 | 173 | 194 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 169 | 173 | 194 | — | — | — | — | — | — | |
| Net Income Before Taxes | 130 | 128 | 145 | — | — | — | — | — | — | |
| Income Taxes | 25 | 25 | 30 | — | — | — | — | — | — | |
| Consolidated Net Income | 105 | 103 | 115 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 105 | 103 | 115 | — | — | — | — | — | — | |
| Net Income | 105 | 103 | 115 | — | — | — | — | — | — | |
| EPS (Recurring) | 2.05 | 1.99 | 2.15 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.05 | 1.99 | 2.15 | — | — | — | — | — | — | |
| EPS (Diluted) | 2.05 | 1.99 | 2.15 | — | — | — | — | — | — | |
| EBITDA | 160 | 157 | 177 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 19.18 | 15.55 | 13.19 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.39 | 2.70 | 2.45 | — | — | — | — | — | — | |
| Gross Margin | 69.93 | 69.30 | 69.44 | — | — | — | — | — | — | |
| Operating Margin | 21.96 | 21.48 | 23.20 | — | — | — | — | — | — | |
| Net Margin | 17.74 | 17.28 | 18.40 | — | — | — | — | — | — | |
| Shares Outstanding | 51 | 52 | 54 | — | — | — | — | — | — | |
| Market Capitalization | 2,005 | 1,609 | 1,531 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Sirkel Jason D. | Chief Banking Officer | Jun 17 '26 | Option Exercise | 21.00 | 30,000 | 630,000 | 65,535 | Jun 22 |
| Long Justin M | SEVP, GC & Secretary | Nov 22 '24 | Sale | 30.01 | 4,200 | 126,042 | 46,662 | Nov 22 |
| Wilson William E Jr | Director | Nov 11 '24 | Sale | 30.28 | 24,000 | 726,720 | 71,694 | Nov 13 |
| Vitulli, III Ramon A. | President | Nov 06 '24 | Sale | 30.01 | 9,000 | 270,090 | 106,425 | Nov 08 |
| Wilson William E Jr | Director | Nov 06 '24 | Sale | 30.70 | 440 | 13,510 | 0 | Nov 08 |
| Egge Paul P | Senior Executive VP, CFO | Oct 30 '24 | Sale | 28.00 | 6,404 | 179,312 | 60,155 | Oct 31 |
| Egge Paul P | Senior Executive VP, CFO | Oct 29 '24 | Sale | 27.50 | 326 | 8,965 | 66,559 | Oct 31 |
| Long Justin M | SEVP, GC & Secretary | May 24 '24 | Sale | 22.88 | 5,000 | 114,400 | 53,532 | May 24 |
| Vitulli, III Ramon A. | President | Mar 19 '24 | Option Exercise | 14.11 | 13,262 | 187,127 | 125,308 | Mar 21 |
| Akin Okan I. | Senior Executive VP, CRO | Dec 04 '23 | Option Exercise | 14.11 | 11,200 | 158,032 | 84,485 | Dec 06 |
| Akin Okan I. | Senior Executive VP, CRO | Dec 04 '23 | Sale | 25.40 | 11,200 | 284,436 | 73,285 | Dec 06 |
| Egge Paul P | Senior Executive VP, CFO | Nov 06 '23 | Sale | 23.27 | 4,000 | 93,098 | 53,465 | Nov 08 |
| Akin Okan I. | Senior Executive VP, CRO | Aug 30 '23 | Option Exercise | 14.11 | 12,735 | 179,691 | 74,747 | Sep 01 |
| Penland Joe Sr | Director | May 04 '23 | Buy | 20.85 | 20,488 | 427,276 | 577,864 | May 08 |
| Penland Joe Sr | Director | May 03 '23 | Buy | 21.57 | 29,512 | 636,465 | 561,376 | May 04 |