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 | 4/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
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Upcoming Regulatory Expenses Will Erode Earnings In The Future
Stellar Bancorp, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$28.85 |
| 52 Week High | US$32.36 |
| 52 Week Low | US$21.27 |
| Beta | 0.84 |
| 1 Month Change | -8.47% |
| 3 Month Change | 13.14% |
| 1 Year Change | 1.19% |
| 3 Year Change | -0.10% |
| 5 Year Change | -7.74% |
| Change since IPO | 0.49% |
Recent News & Updates
Shareholder Returns
| STEL | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.3% | 3.1% | 2.8% |
| 1Y | 1.2% | 29.1% | 24.5% |
Return vs Industry: STEL underperformed the US Banks industry which returned 29.1% over the past year.
Return vs Market: STEL underperformed the US Market which returned 24.5% over the past year.
Price Volatility
| STEL volatility | |
|---|---|
| STEL Average Weekly Movement | 5.3% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.1% |
| 10% least volatile stocks in US Market | 3.1% |
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 (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2007 | 980 | 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$1.54b |
| Earnings (TTM) | US$117.06m |
| Revenue (TTM) | US$438.64m |
13.2x
P/E Ratio0.9x
P/B RatioIs STEL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| STEL income statement (TTM) | |
|---|---|
| Revenue | US$438.64m |
| Cost of Revenue | US$0 |
| Gross Profit | US$438.64m |
| Other Expenses | US$321.58m |
| Earnings | US$117.06m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.19 |
| Gross Margin | 100.00% |
| Net Profit Margin | 26.69% |
| Debt/Equity Ratio | 10.7% |
How did STEL perform over the long term?
See historical performance and comparisonDividends
1.8%
Current Dividend Yield24%
Payout RatioDoes STEL pay a reliable dividends?
See STEL dividend history and benchmarks| Stellar Bancorp dividend dates | |
|---|---|
| Ex Dividend Date | Dec 13 2024 |
| Dividend Pay Date | Dec 31 2024 |
| Days until Ex dividend | 14 days |
| Days until Dividend pay date | 4 days |
Does STEL pay a reliable dividends?
See STEL dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 23:48 |
| End of Day Share Price | 2024/12/26 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Ownership | 10 years |
| |
| 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 here.
Analysis Model and Snowflake
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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 .
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 |