This company has been acquired
The company may no longer be operating, as it has been acquired. Find out why through their latest events.
Stellar Bancorp Management
Management criteria checks 4/4
Stellar Bancorp's CEO is Bob Franklin, appointed in Oct 2022, has a tenure of 3.67 years. total yearly compensation is $2.93M, comprised of 28.1% salary and 71.9% bonuses, including company stock and options. directly owns 0.68% of the company’s shares, worth $13.68M. The average tenure of the management team and the board of directors is 5 years and 3.7 years respectively.
Key information
Bob Franklin
Chief executive officer
US$2.9m
Total compensation
| CEO salary percentage | 28.14% |
| CEO tenure | 3.7yrs |
| CEO ownership | 0.7% |
| Management average tenure | 5yrs |
| Board average tenure | 3.7yrs |
Recent management updates
Recent updates
Analysis Article • Jun 21
Stellar Bancorp (STEL) Stock Looks Fully Priced After Profit Growth And Buy Signals
Stellar Bancorp (STEL) is back on traders’ screens after recent data highlighted year-over-year gains in revenue and net profit, a solid financial health score, and technical signals pointing to ongoing positive price momentum. See our latest analysis for Stellar Bancorp. At a share price of $38.43, Stellar Bancorp has recorded a 24.93% year to date share price return. The 1 year total shareholder return of 45.45% and 3 year total shareholder return of 79.73% point to momentum that has been...
Narrative Update • Jun 16
STEL: Fair Outlook Will Balance Merger Vote And Future P E Assumptions
Narrative Update Overview Analysts now hold Stellar Bancorp's fair value estimate steady at $38.00, citing updated views on discount rate, revenue growth, profit margin, and future P/E that collectively support this unchanged price target. What's in the News Stellar Bancorp has scheduled a special and extraordinary shareholders meeting for May 27, 2026, at 10:00 Central Standard Time, at 9 Greenway Plaza, eighth floor, Galveston Conference Room, Houston, Texas 77046, United States.Narrative Update • Jun 01
STEL: Fair Outlook Will Balance Merger Vote And P E Assumptions
Analysts have adjusted their price target on Stellar Bancorp to $38.00, reflecting updated assumptions around the discount rate and future P/E, while maintaining their prior fair value estimate. What's in the News Stellar Bancorp has scheduled a Special and Extraordinary Shareholders Meeting for May 27, 2026, at 10:00 a.m. Central Standard Time in the Galveston conference room, 9 Greenway Plaza, eighth floor, Houston, Texas.Narrative Update • May 02
STEL: Fair Outlook Will Balance P E Assumptions And Meeting Risks
Analysts have adjusted their $38.00 price target on Stellar Bancorp, citing slightly revised assumptions for revenue growth, profit margins, and future P/E as the basis for the update. Analyst Commentary Recent Street research on regional banks, including the upgraded view on Stellar Bancorp, gives you a sense of how professionals are thinking about valuation, earnings power, and execution risk around the updated US$38.00 target.Narrative Update • Apr 18
STEL: Fair Outlook Will Balance Merger Terms And Conflicting Rating Signals
Analysts have kept their $38.00 price target intact for Stellar Bancorp, citing only marginal tweaks to long term growth, profit margin and future P/E assumptions after weighing mixed recent research that includes both an upgrade and a downgrade. Analyst Commentary Bullish Takeaways Bullish analysts view the current $38.00 target as reasonable based on their updated long term growth and profit margin assumptions, even after incorporating the latest research.Narrative Update • Apr 02
STEL: Fair Outlook Will Balance Merger Terms And Conflicting Rating Signals
Analysts have adjusted their price target on Stellar Bancorp to $38.00. They describe this level as aligned with updated views on fair value, discount rate, revenue growth, profit margin and future P/E after considering mixed recent research that includes both an upgrade and a downgrade from different firms.Narrative Update • Mar 18
STEL: Fair Outlook Will Balance Merger Terms With Conflicting Rating Signals
Analysts maintained their fair value estimate for Stellar Bancorp at $38.00, citing offsetting views from a recent upgrade at Keefe Bruyette and a downgrade at Raymond James, which leave key assumptions such as discount rate, revenue growth, profit margin, and future P/E essentially unchanged. Analyst Commentary Bullish Takeaways Bullish analysts view the current fair value estimate of $38.00 as supported by the existing assumptions on discount rate, revenue growth, profit margin, and future P/E, seeing enough earnings power to justify maintaining those inputs.Narrative Update • Mar 04
STEL: Fair Outlook Will Balance Merger Terms With Mixed Rating Signals
Narrative Update on Stellar Bancorp The analyst price target for Stellar Bancorp has been adjusted to $38.00, with analysts indicating that updated assumptions around the stock's forward P/E and recent mixed ratings activity are key factors behind the change. Analyst Commentary Recent research shows a mix of optimism and caution around Stellar Bancorp, which helps explain the recalibrated $38.00 price target and the focus on forward P/E assumptions.
New Narrative • Feb 18
Relationship Banking And Low Cost Deposits Will Drive A Stronger Long Term Franchise
Catalysts About Stellar Bancorp Stellar Bancorp operates Stellar Bank, a Texas based community bank focused on relationship driven commercial and retail banking. What are the underlying business or industry changes driving this perspective?Narrative Update • Feb 18
STEL: Fair Outlook Will Balance Merger Terms With Mixed Rating Signals
Narrative Update on Stellar Bancorp Analysts have adjusted their price target on Stellar Bancorp to $38.00, reflecting updated views on the bank's earnings power and a higher assumed future P/E multiple, while applying a slightly different discount rate to their cash flow outlook. Analyst Commentary Recent research on Stellar Bancorp reflects a split view, with one upgrade and one downgrade landing within a short window.Narrative Update • Feb 04
STEL: Fair Outlook Balances Merger Terms With Higher Earnings Assumptions
Analysts have lifted their price target for Stellar Bancorp from US$31.60 to US$38.00, citing updated assumptions for revenue growth, profit margins, and a lower forward P/E multiple. Analyst Commentary Bullish Takeaways Bullish analysts interpret the higher price target as support for the view that Stellar Bancorp can execute on its updated revenue and margin assumptions, even with a lower forward P/E multiple applied.
New Narrative • Feb 04
Competitive Loan Growth And Funding Pressures Will Constrain Long Term Performance
Catalysts About Stellar Bancorp Stellar Bancorp operates a regional banking platform focused on relationship banking, with an emphasis on loans and deposits across its Texas markets. What are the underlying business or industry changes driving this perspective?Analysis Article • Nov 25
Stellar Bancorp (NYSE:STEL) Is Increasing Its Dividend To $0.15
Stellar Bancorp, Inc. ( NYSE:STEL ) has announced that it will be increasing its periodic dividend on the 31st of...Analysis Article • Nov 27
Stellar Bancorp (NYSE:STEL) Is Increasing Its Dividend To $0.14
Stellar Bancorp, Inc. ( NYSE:STEL ) has announced that it will be increasing its periodic dividend on the 31st of...
New Narrative • Sep 24
Critical Shifts And High Costs Spell Trouble For Bank's Future Earnings
Strategic emphasis on maintaining strong capital and adjusting loan portfolios may suppress future earnings growth and impact return on equity.Analysis Article • Aug 27
Stellar Bancorp (NYSE:STEL) Has Announced A Dividend Of $0.13
Stellar Bancorp, Inc.'s ( NYSE:STEL ) investors are due to receive a payment of $0.13 per share on 30th of September...Analysis Article • May 27
Stellar Bancorp (NYSE:STEL) Is Paying Out A Dividend Of $0.13
Stellar Bancorp, Inc.'s ( NYSE:STEL ) investors are due to receive a payment of $0.13 per share on 28th of June. The...CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$105m |
| Dec 31 2025 | US$3m | US$824k | US$103m |
| Sep 30 2025 | n/a | n/a | US$102m |
| Jun 30 2025 | n/a | n/a | US$110m |
| Mar 31 2025 | n/a | n/a | US$114m |
| Dec 31 2024 | US$3m | US$785k | US$115m |
| Sep 30 2024 | n/a | n/a | US$117m |
| Jun 30 2024 | n/a | n/a | US$114m |
| Mar 31 2024 | n/a | n/a | US$119m |
| Dec 31 2023 | US$2m | US$745k | US$130m |
| Sep 30 2023 | n/a | n/a | US$105m |
| Jun 30 2023 | n/a | n/a | US$89m |
| Mar 31 2023 | n/a | n/a | US$70m |
| Dec 31 2022 | US$3m | US$574k | US$51m |
| Sep 30 2022 | n/a | n/a | US$71m |
| Jun 30 2022 | n/a | n/a | US$76m |
| Mar 31 2022 | n/a | n/a | US$82m |
| Dec 31 2021 | US$2m | US$550k | US$82m |
Compensation vs Market: Bob's total compensation ($USD2.93M) is below average for companies of similar size in the US market ($USD5.13M).
Compensation vs Earnings: Bob's compensation has been consistent with company performance over the past year.
CEO
Bob Franklin (71 yo)
3.7yrs
Tenure
US$2,928,686
Compensation
Mr. Robert R. Franklin, Jr. also known as Bob, is Director of Junior Achievement Of Southeast Texas, Incorporated. Mr. Franklin also known as Bob, serves as Chief Executive Officer and Director of Stellar...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 18.4yrs | US$1.56m | 0.97% $ 19.4m | |
| CEO & Director | 3.7yrs | US$2.93m | 0.68% $ 13.7m | |
| President | 6.4yrs | US$1.54m | 0.18% $ 3.7m | |
| Senior EVP & CFO | 9.5yrs | US$1.28m | 0.096% $ 1.9m | |
| Senior EVP | 3.7yrs | US$1.00m | 0.075% $ 1.5m | |
| Executive VP & Chief Accounting Officer | no data | no data | no data | |
| Senior Executive VP & Chief Risk Officer | 7.4yrs | US$760.85k | 0.17% $ 3.4m | |
| Senior EVP & Chief Credit Officer | no data | no data | 0.19% $ 3.9m | |
| Chief Banking Officer | no data | no data | 0.13% $ 2.6m |
5.0yrs
Average Tenure
56.5yo
Average Age
Experienced Management: STEL's management team is seasoned and experienced (5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 18.4yrs | US$1.56m | 0.97% $ 19.4m | |
| CEO & Director | 3.7yrs | US$2.93m | 0.68% $ 13.7m | |
| Independent Director | 3.4yrs | US$106.69k | 2.57% $ 51.5m | |
| Independent Director | 3.7yrs | US$118.94k | 0.059% $ 1.2m | |
| Independent Director | 3.7yrs | US$129.94k | 0.021% $ 413.1k | |
| Independent Director | 19.4yrs | US$126.69k | 2.53% $ 50.5m | |
| Independent Director | 2yrs | US$161.94k | 0.0096% $ 192.2k | |
| Independent Director | 13.4yrs | US$147.74k | 0.65% $ 13.1m | |
| Lead Independent Director | 3.7yrs | US$129.69k | 0.39% $ 7.9m | |
| Independent Director | 3.7yrs | US$144.19k | 0.20% $ 3.9m | |
| Independent Director | 2.9yrs | US$144.19k | 0.022% $ 449.4k | |
| Independent Director | 6.4yrs | US$125.94k | 0.026% $ 521.4k |
3.7yrs
Average Tenure
69.5yo
Average Age
Experienced Board: STEL's board of directors are considered experienced (3.7 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/30 14:28 |
| End of Day Share Price | 2026/06/30 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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. 4 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 | Brean Capital Historical (Janney Montgomery) |
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |