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Stellar Bancorp, Inc. (STEL)
Price$36.78
Value ScoreD
Growth ScoreB
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)8.00%
Price vs S&P 500 (4W)-5.40%
VGM Score49.53
Market Capitalization$1.90B
P/E Ratio (Annual)18.48x
Indicated Dividend Yield (Annual)1.61%
All Metrics
P/CF (Annual)19.60x
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)9.75%
Net Profit Margin (TTM)22.18%
EPS (TTM)$2.05
10-Day Avg Trading Volume0.26M
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)18.08x
Revenue Growth QoQ (YoY)122.84%
EPS Growth (5Y)13.28%
P/E Normalized (Annual)18.48x
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 Ratio1.14x
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 Volume0.47M
52-Week Price Return38.09%
EV / Free Cash Flow (Annual)22.42x
P/E Incl Extra (TTM)18.08x
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 Return23.93%
13-Week Price Return-2.96%
Total Debt / Equity (Annual)0.02x
Enterprise Value$2.08B
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 Dev12.99%
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)16.49x
EV / Free Cash Flow (TTM)18.01x
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/E16.62x
Free OCF CAGR (5Y)28.14%
Price vs S&P 500 (52W)9.89%
P/E Ratio (TTM)18.08x
EPS Growth TTM (YoY)-3.40%
Year-to-Date Return20.69%
5-Day Price Return-0.35%
EPS Normalized (Annual)$1.99
ROA (5Y Avg)0.90%
Net Profit Margin (Annual)16.63%
Month-to-Date Return-0.59%
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)15.95x
ROI (5Y Avg)6.05%
P/E Excl Extra (TTM)18.08x
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)-12.71%
Net Margin Growth (5Y)-8.39%
Dividend Yield (TTM)1.57%
Beta0.74x
P/FCF (Annual)20.53x
Revenue / Share (TTM)$8.92
ROE (TTM)6.38%
52-Week Low$26.30
vGradeD
gGradeB
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.58est. 0.50
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
3.89
4.00
4.00
4.00
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
STELStellar Bancorp, Inc. | D | B | C | $36.78 |
| JPMJPMorgan Chase & Co. | D | C | D | $296.58 |
| BACBank of America Corporation | C | C | D | $51.51 |
| WFCWells Fargo & Co. | D | C | D | $77.17 |
| CCitigroup Inc. | C | C | A | $129.09 |
| COFCapital One Financial | C | D | F | $184.56 |
| UBSUBS Group AG | C | C | B | $47.99 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | B | $9.03 |
| PNCPNC Financial Services Group | C | C | C | $216.07 |
| USBU.S. Bancorp | C | C | C | $53.55 |
| TFCTruist Financial Corporation | B | C | D | $46.87 |
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.