STEL Stock Overview
Operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
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Upcoming Regulatory Expenses Will Erode Earnings In The Future
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Stellar Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$29.79 |
| 52 Week High | US$32.36 |
| 52 Week Low | US$21.27 |
| Beta | 0.85 |
| 1 Month Change | 8.25% |
| 3 Month Change | 0.34% |
| 1 Year Change | 23.15% |
| 3 Year Change | 0.40% |
| 5 Year Change | -0.034% |
| Change since IPO | 3.76% |
Recent News & Updates
Shareholder Returns
| STEL | US Banks | US Market | |
|---|---|---|---|
| 7D | 3.9% | 1.2% | 0.6% |
| 1Y | 23.2% | 43.9% | 22.4% |
Return vs Industry: STEL underperformed the US Banks industry which returned 43.9% over the past year.
Return vs Market: STEL matched the US Market which returned 22.4% over the past year.
Price Volatility
| STEL volatility | |
|---|---|
| STEL Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 5.1% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in US Market | 18.8% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: STEL has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: STEL's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2007 | 1,037 | Bob Franklin | ir.stellarbancorpinc.com |
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company’s loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, such as home equity and home improvement loans, and home equity lines of credit; residential construction loans; and consumer and other loans.
Stellar Bancorp, Inc. Fundamentals Summary
| STEL fundamental statistics | |
|---|---|
| Market cap | US$1.58b |
| Earnings (TTM) | US$117.61m |
| Revenue (TTM) | US$433.92m |
13.5x
P/E Ratio1.0x
P/B RatioIs STEL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STEL income statement (TTM) | |
|---|---|
| Revenue | US$433.92m |
| Cost of Revenue | US$0 |
| Gross Profit | US$433.92m |
| Other Expenses | US$316.31m |
| Earnings | US$117.61m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.20 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.10% |
| Debt/Equity Ratio | 4.4% |
How did STEL perform over the long term?
See historical performance and comparisonDividends
1.9%
Current Dividend Yield24%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/06 23:49 |
| End of Day Share Price | 2025/02/06 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Stellar Bancorp, Inc. is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Bryce Rowe | Baird |
| John Rodis | Janney Montgomery Scott LLC |
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |