Stellar Bancorp Past Earnings Performance
Past criteria checks 2/6
Stellar Bancorp has been growing earnings at an average annual rate of 11.2%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 15.6% per year. Stellar Bancorp's return on equity is 6.3%, and it has net margins of 25%.
Key information
11.25%
Earnings growth rate
-9.64%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 15.62% |
| Return on equity | 6.30% |
| Net Margin | 24.99% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
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.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.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.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.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.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.
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?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.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.
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?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...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...
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.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...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...Revenue & Expenses Breakdown
How Stellar Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 421 | 105 | 234 | 0 |
| 31 Dec 25 | 413 | 103 | 232 | 0 |
| 30 Sep 25 | 417 | 102 | 234 | 0 |
| 30 Jun 25 | 425 | 110 | 231 | 0 |
| 31 Mar 25 | 431 | 114 | 229 | 0 |
| 31 Dec 24 | 434 | 115 | 230 | 0 |
| 30 Sep 24 | 439 | 117 | 226 | 0 |
| 30 Jun 24 | 434 | 114 | 222 | 0 |
| 31 Mar 24 | 437 | 119 | 219 | 0 |
| 31 Dec 23 | 452 | 130 | 215 | 0 |
| 30 Sep 23 | 422 | 105 | 212 | 0 |
| 30 Jun 23 | 375 | 89 | 188 | 0 |
| 31 Mar 23 | 321 | 70 | 166 | 0 |
| 31 Dec 22 | 259 | 51 | 142 | 0 |
| 30 Sep 22 | 240 | 71 | 117 | 0 |
| 30 Jun 22 | 237 | 76 | 118 | 0 |
| 31 Mar 22 | 240 | 82 | 118 | 0 |
| 31 Dec 21 | 239 | 82 | 119 | 0 |
| 30 Sep 21 | 229 | 76 | 117 | 0 |
| 30 Jun 21 | 223 | 73 | 113 | 0 |
| 31 Mar 21 | 204 | 60 | 110 | 0 |
| 31 Dec 20 | 183 | 46 | 106 | 0 |
| 30 Sep 20 | 178 | 44 | 103 | 0 |
| 30 Jun 20 | 171 | 39 | 103 | 0 |
| 31 Mar 20 | 177 | 44 | 103 | 0 |
| 31 Dec 19 | 187 | 53 | 103 | 0 |
| 30 Sep 19 | 185 | 52 | 102 | 0 |
| 30 Jun 19 | 170 | 49 | 93 | 0 |
| 31 Mar 19 | 151 | 42 | 84 | 0 |
| 31 Dec 18 | 132 | 37 | 75 | 0 |
| 30 Sep 18 | 114 | 27 | 67 | 0 |
| 30 Jun 18 | 106 | 21 | 66 | 0 |
| 31 Mar 18 | 100 | 19 | 63 | 0 |
| 31 Dec 17 | 96 | 18 | 61 | 0 |
| 30 Sep 17 | 93 | 20 | 59 | 0 |
| 30 Jun 17 | 94 | 23 | 56 | 0 |
| 31 Mar 17 | 92 | 23 | 54 | 0 |
| 31 Dec 16 | 90 | 23 | 52 | 0 |
| 30 Sep 16 | 86 | 21 | 50 | 0 |
| 30 Jun 16 | 83 | 20 | 49 | 0 |
| 31 Mar 16 | 81 | 18 | 49 | 0 |
| 31 Dec 15 | 78 | 15 | 49 | 0 |
| 30 Sep 15 | 71 | 13 | 45 | 0 |
| 30 Jun 15 | 63 | 11 | 40 | 0 |
Quality Earnings: STEL has high quality earnings.
Growing Profit Margin: STEL's current net profit margins (25%) are lower than last year (26.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: STEL's earnings have grown by 11.2% per year over the past 5 years.
Accelerating Growth: STEL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: STEL had negative earnings growth (-7.4%) over the past year, making it difficult to compare to the Banks industry average (22.8%).
Return on Equity
High ROE: STEL's Return on Equity (6.3%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/10 05:16 |
| End of Day Share Price | 2026/06/10 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 |
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| 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
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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 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 |