Company Overview
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.
Why Investors Should Care
Net profit has compounded at 17.5% per year over the last five years.
Revenue has grown at a 11.0% CAGR over the past five years.
Maintains a net profit margin of 25.0%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $423.41M (-1.8% YoY); net profit $102.87M.
- Trailing 12 Months Year-on-year growth — revenue +7.3%, earnings +15.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.0%, profit CAGR 17.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.03% |
| 1 Year: | 7.30% |
Compounded Profit Growth
| 5 Years: | 17.48% |
| 1 Year: | 15.20% |
Stock Price Performance
| 1 Year: | +28.58% |
| 6 Months: | +27.17% |
| 3 Months: | +9.58% |
| 1 Month: | +5.71% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)65.15 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 25.0%.
- Compounding revenue at 11.0% over 5 years.
- Profit CAGR of 17.5% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | 1.59M | - | 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 | 33.89M | - | 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 | 0.63 | - | 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 |
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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 13.25% | 6.75M | $265.32M |
| 2 | Dimensional Fund Advisors LP | 4.91% | 2.50M | $98.27M |
| 3 | State Street Corporation | 4.18% | 2.13M | $83.68M |
| 4 | Vanguard Capital Management LLC | 4.00% | 2.03M | $80.00M |
| 5 | Balyasny Asset Management LP | 2.54% | 1.29M | $50.89M |
| 6 | King Luther Capital Management | 2.52% | 1.28M | $50.45M |
| 7 | Geode Capital Management, LLC | 2.21% | 1.12M | $44.21M |
| 8 | Vanguard Portfolio Management LLC | 1.75% | 890.39K | $35.01M |
| 9 | Magnetar Financial LLC | 1.60% | 812.22K | $31.94M |
| 10 | Northern Trust Corporation | 1.45% | 740.35K | $29.11M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for STEL
[15-12G] Stellar Bancorp, Inc. SEC Filing - Stock Titan
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Stellar Bancorp (STEL) Stock Looks Fully Priced After Profit Growth And Buy Signals - simplywall.st
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Stellar Bancorp (STEL) director reports all shares cancelled in Prosperity merger - Stock Titan
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Stellar Bancorp (STEL) executive disposes 102K shares as Prosperity merger closes - Stock Titan
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Stellar Bancorp (STEL) director exits stake as merger pays stock plus $11.36 cash per share - Stock Titan
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Stellar Bancorp (STEL) CEO stock converted in Prosperity Bancshares deal - Stock Titan
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STEL — Frequently Asked Questions
What is the current share price of Stellar Bancorp, Inc. (STEL)?
As of 2026-07-15 16:51 PDT, Stellar Bancorp, Inc. (STEL) trades at $39.32 on NYQ. Its 52-week range is $27.88 to $39.69.
What is the market capitalisation of STEL?
Stellar Bancorp, Inc. (STEL) has a market capitalisation of $2.00B on NYQ.
What is the P/E ratio of STEL?
STEL trades at a trailing price-to-earnings (P/E) ratio of 19.09. Its price-to-book (P/B) ratio is 1.20.
What is the return on equity (ROE) of STEL?
STEL has a return on equity (ROE) of 6.41%.
Is STEL a good stock to buy?
This page provides a data-driven analysis of Stellar Bancorp, Inc. (STEL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.