Stellar Bancorp, Inc.
General ticker "STEL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.7B (TTM average)
Stellar Bancorp, Inc. follows the US Stock Market performance with the rate: 47.9%.
Estimated limits based on current volatility of 0.7%: low 38.96$, high 39.49$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-15, amount 0.15$ (Y1.53%)
- Total employees count: 1053 (+2.9%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Market concentration, Regulatory and compliance, Interest rate risk
- 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: [26.53$, 34.67$]
- 2026-12-31 to 2027-12-31 estimated range: [26.98$, 35.48$]
Financial Metrics affecting the STEL estimates:
- Positive: with PPE of 15.8 at the end of fiscal year the price was neutral
- Positive: Industry operating cash flow per share per price (median), % of 10.73 > 10.32
- Positive: Operating profit margin, % of 30.18 > 18.40
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Interest expense per share per price, % of 10.64 > 3.34
- Positive: -0.03 < Operating cash flow per share per price, % of 5.97
- Positive: Industry earnings per price (median), % of 7.28 > 4.44
- Positive: Industry operating profit margin (median), % of 24.29 > 9.66
Short-term STEL quotes
Long-term STEL plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $461.32MM | $431.04MM | $423.41MM |
| Operating Expenses | $299.44MM | $286.08MM | $295.63MM |
| 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.