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Stellar Bancorp Community
NYSE:STEL Community- 1 Narratives written by author
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Community Investing Ideas
Digital Disruption And Rising Costs Will Erode Banking Margins
Key Takeaways High expectations for margin growth and branch-driven advantage may underestimate risks from digital disruption and declining relevance of physical branches. Valuation overlooks challenges from geographic concentration, integration risks, and rising compliance and technology costs, threatening long-term earnings stability.Read more
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AN
US$31.6
4.7% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue growth
1.48% p.a.
Profit Margin
20.25%
Future PE
19.25x
Share price in 2028
US$37.91