NYSE: STELStellar Bancorp Inc Stock
$25.49-0.24 (-0.93%)
Updated Apr 21, 2025
STEL Price
$25.49
Fair Value Price
N/A
Market Cap
$1.35B
52 Week Low
$21.27
52 Week High
$32.36
P/E
11.86x
P/B
0.84x
P/S
3.49x
PEG
N/A
Dividend Yield
2.12%
Revenue
$433.92M
Earnings
$115.00M
Gross Margin
100%
Operating Margin
33.41%
Profit Margin
26.5%
Debt to Equity
5.78
Operating Cash Flow
$133M
Beta
0.79
Next Earnings
Apr 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A
STEL Overview
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, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine STEL's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
STEL
Ranked#247 of 296
Ranked#247 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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STEL News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how STEL scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
STEL is forecast by analysts to be unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
STEL is good value based on its earnings relative to its share price (11.86x), compared to the US market average (27.14x)
P/E vs Market Valuation
STEL is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more STEL due diligence checks available for Premium users.
Valuation
STEL price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.86x
Industry
13.07x
Market
27.14x
STEL is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
STEL is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
STEL price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.84x
Industry
1.07x
STEL is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
STEL's financial health
Profit margin
Revenue
$107.0M
Net Income
$25.2M
Profit Margin
23.6%
STEL's Earnings (EBIT) of $144.96M... subscribe to Premium to read more.
Interest Coverage Financials
STEL's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$10.9B
Liabilities
$9.3B
Debt to equity
5.78
STEL's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
STEL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$3.9M
Investing
$113.5M
Financing
$277.6M
STEL's operating cash flow ($132.62M)... subscribe to Premium to read more.
Debt Coverage Financials
STEL vs Bank Stocks
Stellar Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.