Stellar Bancorp, Inc. (STEL) Stock Price

STELStock

$0.00−29.06%52W

Market Cap—

P/E19.46x

PEG Ratio1.43

Div yield1.53%

Beta-0.03

STEL Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)15.39%

Price vs S&P 500 (4W)6.90%

PEG Ratio1.43

VGM Score48.71

P/E Ratio (Annual)19.46x

Indicated Dividend Yield (Annual)1.53%

P/CF (Annual)20.64x

Book Value / Share (Quarterly)$32.76

P/TBV (Annual)0.99x

Indicated Dividend (Annual)$0.60

Revenue Growth (3Y)28.37%

Cash Flow / Share (Quarterly)$2.26

Payout Ratio (TTM)28.35%

Price vs S&P 500 (YTD)17.57%

Net Profit Margin (TTM)22.18%

EPS (TTM)$2.05

10-Day Avg Trading Volume1.21M

EPS Excl Extra (TTM)$2.05

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)19.04x

Revenue Growth QoQ (YoY)122.84%

EPS Growth (5Y)13.28%

P/E Normalized (Annual)19.46x

ROA (Last FY)0.95%

Revenue Growth TTM (YoY)155.78%

EBITD / Share (TTM)$3.99

ROE (5Y Avg)6.39%

Operating Margin (TTM)27.36%

Cash Flow / Share (Annual)$1.82

P/B Ratio1.20x

P/B Ratio (Quarterly)1.11x

Net Income / Employee (Annual)$97,700

ROA (TTM)0.98%

EPS Growth QoQ (YoY)14.00%

EV / EBITDA (TTM)13.09x

EPS Incl Extra (Annual)$1.99

3-Month Avg Trading Volume0.43M

52-Week Price Return-29.06%

EV / Free Cash Flow (Annual)23.51x

P/E Incl Extra (TTM)19.04x

Tangible BV / Share (Quarterly)$31.46

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 Return24.43%

13-Week Price Return9.71%

Total Debt / Equity (Annual)0.02x

Enterprise Value$2.18B

Revenue / Share Growth (5Y)10.33%

Book Value / Share Growth (5Y)7.77%

Revenue / Employee (Annual)$404,065,300,000

Pretax Margin (Annual)20.21%

Cash / Share (Annual)$1.27

3-Month Return Std Dev13.33%

Net Income / Employee (TTM)$99,800

EBITDA CAGR (5Y)16.80%

EBITDA Interim CAGR (5Y)31.35%

ROE (Last FY)6.16%

EPS Basic Excl Extra (Annual)$1.99

P/FCF (TTM)17.37x

EV / Free Cash Flow (TTM)18.89x

Total Debt / Equity (Quarterly)0.11x

EPS Incl Extra (TTM)$2.05

ROI (TTM)5.99%

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/E17.18x

Free OCF CAGR (5Y)28.14%

Price vs S&P 500 (52W)-37.34%

P/E Ratio (TTM)19.04x

EPS Growth TTM (YoY)-3.40%

Year-to-Date Return27.08%

5-Day Price Return0.90%

EPS Normalized (Annual)$1.99

ROA (5Y Avg)0.90%

Net Profit Margin (Annual)16.63%

Month-to-Date Return5.30%

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)16.80x

ROI (5Y Avg)6.05%

P/E Excl Extra (TTM)19.04x

LT Debt / Equity (Quarterly)0.11x

EPS Basic Excl Extra (TTM)$2.05

P/TBV (Quarterly)1.16x

Payout Ratio (Annual)28.48%

P/B Ratio (Annual)0.95x

Dividend / Share (TTM)$0.58

Pretax Margin (TTM)27.36%

Book Value / Share (Annual)$32.78

Price vs S&P 500 (13W)-8.06%

Net Margin Growth (5Y)-8.39%

Dividend Yield (TTM)1.49%

Beta-0.03x

P/FCF (Annual)21.62x

Revenue / Share (TTM)$8.92

ROE (TTM)6.38%

52-Week Low$28.50

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STEL Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q1 2026	Apr 28, 2026	$0.50	$0.53	+6.00%(+$0.03)
Q4 2025	Jan 28, 2026	$0.51	$0.51	-0.78%(-$0.00)
Q3 2025	Oct 24, 2025	$0.49	$0.50	+1.21%(+$0.01)
Q2 2025	Jul 25, 2025	$0.45	$0.51	+14.35%(+$0.06)

STEL Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.89

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
STELStellar Bancorp, Inc.	D	B	C	1.1x	6.4%	1.0%	—	$0.00
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About Stellar Bancorp, Inc.

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.