Stellar Bancorp, Inc. STEL R2K

Financial Services · Banks - Regional · United States

https://www.stellar.bank

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also offers commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Market & Price

Market Cap

$1.90B

Current Price

$37.34

High / Low (52W)

$39.54 / $26.09

Beta

0.73

Valuation

Stock P/E

18.13

Industry PE

12.01

Forward P/E

15.91

PEG Ratio

Book Value

$32.78

Price to Book

1.14

P/S

4.52

EV/EBITDA

Dividend Yield

1.61%

Profitability & Returns

ROCE

ROE

6.41%

ROA

0.99%

Profit Margin

24.99%

Op Margin

39.81%

EPS (Latest Qtr)

$0.53

EPS (TTM)

$2.06

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$194.88M

Total Assets

$10.81B

Current Assets

Working Capital

Ownership

Promoter Holding

9.98%

Chg in Prom Hold

FII / Inst Holding

67.06%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.54B

Total Revenue (TTM)

$420.66M

EBITDA

Free Cash Flow

Operating Cash Flow

$119.19M

Shares Outstanding

50.92M

Gross Margin

0.00%

Payout Ratio

28.16%

Growth (CAGR)

Revenue 5Y

11.03%

Profit 5Y

26.00%

Revenue (YoY)

7.30%

Earnings (YoY)

15.20%

PROS

Excellent profit margin of 25.0%.
Compounding revenue at 11.0% over 5 years.
Profit CAGR of 26.0% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	STEL Stellar Bancorp, Inc. R2K	37.34	18.13	$1.90B	1.61%	-	6.41%	11.03%	26.00%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.35M	1.57M	1.62M	1.60M	1.65M	-	-	104.76M	104.13M	105.63M	108.89M	111.04M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	43.06M	44.36M	44.77M	40.66M	39.16M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.96M	33.03M	32.18M	31.60M	33.38M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.26M	6.68M	6.51M	5.45M	6.41M
Net Income	6.50M	6.37M	6.78M	7.56M	6.86M	8.71M	10.05M	1.96M	9.11M	11.04M	13.02M	14.11M	10.49M	14.31M	13.08M	12.64M	7.54M	2.16M	6.42M	10.24M	10.02M	11.70M	14.42M	18.66M	16.44M	14.29M	37.15M	35.17M	30.91M	26.15M	29.75M	-	-	24.70M	26.35M	25.67M	26.15M	26.97M
Diluted EPS	0.29	0.29	0.31	0.34	0.31	0.39	0.45	0.08	0.37	0.44	0.52	0.56	0.42	0.57	0.52	0.50	0.30	0.09	0.26	0.41	0.41	0.48	0.59	0.64	0.56	0.50	0.70	0.66	0.58	0.49	0.56	-	-	0.46	0.51	0.50	0.51	0.53

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	309.31M	461.32M	431.04M	423.41M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	34.04M	154.06M	194.41M	172.85M
Pretax Income	-	-	-	-	-	-	-	62.52M	161.88M	144.96M	127.78M
Tax Provision	-	-	-	-	-	-	-	11.09M	31.39M	29.96M	24.91M
Net Income	24.14M	27.21M	27.57M	47.29M	50.52M	45.53M	-	51.43M	130.50M	115.00M	102.87M
Diluted EPS	1.06	1.22	1.22	1.89	2.02	1.56	-	1.47	2.45	2.20	1.99

Compounded Sales Growth

5 Years:	11.03%
1 Year:	7.30%

Compounded Profit Growth

5 Years:	26.00%
1 Year:	15.20%

Stock Price Performance

1 Year:	+41.31%
6 Months:	+18.47%
3 Months:	-0.43%
1 Month:	+0.05%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.95B	3.08B	3.28B	3.48B	3.95B	-	10.90B	10.65B	10.91B	10.81B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	490.75M	434.90M	382.10M	326.20M	-	-	-	-	371.70M	399.24M	911.22M	419.45M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	44.74M	44.24M	37.88M	35.87M
Total Liabilities	-	-	2.59B	2.63B	2.79B	2.94B	3.40B	-	9.52B	9.13B	9.30B	9.14B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	173.29M	159.76M	70.11M	40.23M
Total Debt	-	-	-	-	-	-	-	-	173.29M	159.76M	70.11M	40.23M
Total Equity	329.25M	344.31M	357.64M	446.21M	487.62M	709.87M	758.67M	-	1.38B	1.52B	1.61B	1.67B
Shares Outstanding	-	-	-	-	-	-	-	-	52.95M	53.29M	53.43M	50.90M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	32.83M	36.04M	35.59M	49.32M	56.09M	61.06M	-	109.07M	168.22M	132.62M	97.00M
Investing Cash Flow	-88.66M	-131.57M	-185.43M	-147.72M	-189.74M	-961.10M	-	73.76M	295.25M	246.09M	-348.22M
Financing Cash Flow	-17.00K	42.73M	93.94M	154.27M	123.64M	976.56M	-	-568.63M	-435.94M	133.27M	-240.55M
Capital Expenditure	-	-1.88M	-992.00K	-	-	-7.18M	-	-3.81M	-6.86M	-4.66M	-4.40M
Free Cash Flow	-	34.16M	34.60M	-	-	53.88M	-	105.25M	161.36M	127.96M	92.61M
Net Change in Cash	-	-	-	-	-	-	-	-385.80M	27.53M	511.98M	-491.76M
Share Buybacks	4.42M	11.08M	-	-	3.00K	18.58M	5.66M	23.61M	0	2.84M	73.35M

Ratios (Annual)

Figures in %.

Metric	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	16.6%	28.3%	26.7%	24.3%
ROE %	7.0%	7.6%	6.2%	9.7%	7.1%	6.0%	-	3.7%	8.6%	7.2%	6.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

9.98%

Institutions

67.06%

Public Float

74.49%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.25%	6.75M	$251.96M
2	Dimensional Fund Advisors LP	4.91%	2.50M	$93.32M
3	State Street Corporation	4.18%	2.13M	$79.47M
4	Vanguard Capital Management LLC	4.00%	2.03M	$75.97M
5	Balyasny Asset Management LP	2.54%	1.29M	$48.32M
6	King Luther Capital Management	2.52%	1.28M	$47.91M
7	Geode Capital Management, LLC	2.21%	1.12M	$41.98M
8	Vanguard Portfolio Management LLC	1.75%	890.39K	$33.25M
9	Magnetar Financial LLC	1.60%	812.22K	$30.33M
10	Northern Trust Corporation	1.45%	740.35K	$27.64M

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