Stellar Bancorp, Inc.
General ticker "STEL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $1.5B (TTM average)
Stellar Bancorp, Inc. follows the US Stock Market performance with the rate: 66.7%.
Estimated limits based on current volatility of 1.5%: low 36.15$, high 37.17$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-15, amount 0.15$ (Y1.62%)
- Total employees count: 1025 as of 2022
- Current price 12.2% above estimated high
- Earnings for 9 months up through Q3 are below 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [24.67$, 32.17$]
- 2025-12-31 to 2026-12-31 estimated range: [25.10$, 33.10$]
Financial Metrics affecting the STEL estimates:
- Positive: with PPE of 13.0 at the end of fiscal year the price was low
- Positive: Operating profit margin, % of 23.18 > 18.34
- Positive: 6.66 < Operating cash flow per share per price, % of 8.67
- Negative: Shareholder equity ratio, % of 14.74 <= 19.41
- Positive: Industry operating cash flow per share per price (median), % of 10.64 > 10.21
- Negative: -0.18 < Industry inventory ratio change (median), % of 0
- Positive: Investing cash flow per share per price, % of 16.09 > -0.63
- Negative: -0.75 < Inventory ratio change, % of 0
Short-term STEL quotes
Long-term STEL plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $343.35MM | $615.38MM | $625.45MM |
| Operating Expenses | $280.82MM | $453.50MM | $480.49MM |
| Operating Income | $62.52MM | $161.88MM | $144.96MM |
| Interest Expense | $34.04MM | $154.06MM | $194.41MM |
| Income(Loss) | $62.52MM | $161.88MM | $144.96MM |
| Taxes | $11.09MM | $31.39MM | $29.96MM |
| Profit(Loss)* | $51.43MM | $130.50MM | $115.00MM |
| Stockholders Equity | $1,383.18MM | $1,521.02MM | $1,607.86MM |
| Assets | $10,900.44MM | $10,647.14MM | $10,905.79MM |
| Operating Cash Flow | $109.07MM | $168.22MM | $132.62MM |
| Capital expenditure | $3.81MM | $6.86MM | $4.66MM |
| Investing Cash Flow | $73.76MM | $295.25MM | $246.09MM |
| Financing Cash Flow | $-568.63MM | $-435.94MM | $133.27MM |
| Earnings Per Share** | $1.48 | $2.45 | $2.15 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.