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Stellar Bancorp, Inc. (STEL)
Price$37.47
Favorite Metrics
Price vs S&P 500 (26W)17.79%
Price vs S&P 500 (4W)0.52%
Market Capitalization$1.91B
P/E Ratio (Annual)18.55x
Indicated Dividend Yield (Annual)1.60%
All Metrics
P/CF (Annual)19.67x
Book Value / Share (Quarterly)$32.78
P/TBV (Annual)0.99x
Indicated Dividend (Annual)$0.56
Revenue Growth (3Y)28.37%
Cash Flow / Share (Quarterly)$1.82
Payout Ratio (TTM)28.48%
Price vs S&P 500 (YTD)18.82%
Net Profit Margin (TTM)22.18%
EPS (TTM)$1.99
10-Day Avg Trading Volume0.32M
EPS Excl Extra (TTM)$1.99
Revenue Growth (5Y)22.59%
EPS (Annual)$1.99
Dividend / Share (Annual)$0.56
ROI (Annual)6.02%
Net Profit Margin (5Y Avg)23.77%
Cash / Share (Quarterly)$1.78
P/E Basic Excl Extra (TTM)18.55x
Revenue Growth QoQ (YoY)122.84%
EPS Growth (5Y)13.28%
P/E Normalized (Annual)18.55x
ROA (Last FY)0.95%
Revenue Growth TTM (YoY)155.78%
EBITD / Share (TTM)$3.04
ROE (5Y Avg)6.39%
Operating Margin (TTM)27.36%
Cash Flow / Share (Annual)$1.82
P/B Ratio1.14x
P/B Ratio (Quarterly)0.95x
Net Income / Employee (Annual)$0
ROA (TTM)0.97%
EPS Growth QoQ (YoY)8.37%
EV / EBITDA (TTM)12.38x
EPS Incl Extra (Annual)$1.99
3-Month Avg Trading Volume0.47M
52-Week Price Return49.66%
EV / Free Cash Flow (Annual)21.04x
P/E Incl Extra (TTM)18.55x
Tangible BV / Share (Quarterly)$31.39
P/S Ratio (Annual)4.08x
52-Week High$40.21
Operating Margin (5Y Avg)29.39%
EPS Excl Extra (Annual)$1.99
CapEx CAGR (5Y)-20.21%
Tangible BV CAGR (5Y)15.67%
26-Week Price Return21.78%
13-Week Price Return18.85%
Total Debt / Equity (Annual)0.02x
Enterprise Value$1,948.246
Revenue / Share Growth (5Y)10.33%
Book Value / Share Growth (5Y)7.77%
Revenue / Employee (Annual)$404,065
Pretax Margin (Annual)20.21%
Cash / Share (Annual)$1.27
3-Month Return Std Dev29.99%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)34.62%
EBITDA Interim CAGR (5Y)23.56%
ROE (Last FY)6.16%
EPS Basic Excl Extra (Annual)$1.99
P/FCF (TTM)19.26x
EV / Free Cash Flow (TTM)21.04x
Total Debt / Equity (Quarterly)0.02x
EPS Incl Extra (TTM)$1.99
ROI (TTM)5.90%
Dividend Growth Rate (5Y)7.02%
P/S Ratio (TTM)2.66x
Pretax Margin (5Y Avg)29.39%
Revenue / Share (Annual)$8.84
Tangible BV / Share (Annual)$31.39
Forward P/E17.38x
Free OCF CAGR (5Y)28.14%
Price vs S&P 500 (52W)19.83%
P/E Ratio (TTM)18.55x
EPS Growth TTM (YoY)-7.56%
Year-to-Date Return21.46%
5-Day Price Return-0.37%
EPS Normalized (Annual)$1.99
ROA (5Y Avg)0.90%
Net Profit Margin (Annual)16.63%
Month-to-Date Return2.65%
Cash Flow / Share (TTM)$2.68
EBITD / Share (Annual)$3.04
EPS Growth (3Y)10.58%
Operating Margin (Annual)20.21%
LT Debt / Equity (Annual)0.02x
P/CF (TTM)19.67x
ROI (5Y Avg)6.05%
P/E Excl Extra (TTM)18.55x
LT Debt / Equity (Quarterly)0.02x
EPS Basic Excl Extra (TTM)$1.99
P/TBV (Quarterly)0.99x
Payout Ratio (Annual)28.48%
P/B Ratio (Annual)0.95x
Dividend / Share (TTM)$0.56
Pretax Margin (TTM)27.36%
Book Value / Share (Annual)$32.78
Price vs S&P 500 (13W)18.16%
Net Margin Growth (5Y)-8.39%
Dividend Yield (TTM)1.54%
Beta0.77x
P/FCF (Annual)20.60x
Revenue / Share (TTM)$8.92
ROE (TTM)6.30%
52-Week Low$24.59
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.73
3.89
4.00
4.00
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
STELStellar Bancorp, Inc. | 0.95x | 6.30% | 0.97% | — | $37.47 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
About
Stellar Bancorp Inc is a bank holding company operating Stellar Bank, which provides diversified commercial banking services to small and medium-sized businesses, professionals, and individual customers. The company offers a range of loan products including mortgage, home equity, and automobile loans, alongside deposit products such as checking, commercial, money market, and savings accounts. Stellar also provides complementary services including mobile banking, cash management, wire transfers, and letters of credit.