Stellar Bancorp, Inc.
General ticker "STEL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.7B (TTM average)
Stellar Bancorp, Inc. follows the US Stock Market performance with the rate: 49.8%.
Estimated limits based on current volatility of 0.9%: low 38.38$, high 39.04$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-03-16, amount 0.15$ (Y1.57%)
- Total employees count: 1025 as of 2022
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [27.36$, 35.48$]
- 2026-12-31 to 2027-12-31 estimated range: [28.20$, 36.77$]
Financial Metrics affecting the STEL estimates:
- Positive: with PPE of 15.8 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 21.43 > 18.39
- Negative: Shareholder equity ratio, % of 15.44 <= 19.24
- Positive: -3.75 < Return on assets ratio (scaled to [-100,100]) of 0.94
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Operating cash flow per share per price, % of 5.97 <= 6.59
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
Short-term STEL quotes
Long-term STEL plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $615.38MM | $625.45MM | $596.26MM |
| Operating Expenses | $453.50MM | $480.49MM | $468.48MM |
| Operating Income | $161.88MM | $144.96MM | $127.78MM |
| Interest Expense | $154.06MM | $194.41MM | $172.85MM |
| Income(Loss) | $161.88MM | $144.96MM | $127.78MM |
| Taxes | $31.39MM | $29.96MM | $24.91MM |
| Net Income(Loss)* | $130.50MM | $115.00MM | $102.87MM |
| Stockholders Equity | $1,521.02MM | $1,607.86MM | $1,668.65MM |
| Assets | $10,647.14MM | $10,905.79MM | $10,806.59MM |
| Operating Cash Flow | $168.22MM | $132.62MM | $97.00MM |
| Capital expenditure | $6.86MM | $4.66MM | $4.40MM |
| Investing Cash Flow | $295.25MM | $246.09MM | $-348.22MM |
| Financing Cash Flow | $-435.94MM | $133.27MM | $-240.55MM |
| Earnings Per Share** | $2.45 | $2.15 | $1.99 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.