STELLAR BANCORP INC (STEL) Fundamental Analysis & Valuation

NYSE:STEL • US8589271068

36.61 USD
-0.39 (-1.05%)
At close: Mar 9, 2026
36.6033 USD
-0.01 (-0.02%)
After Hours: 3/9/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This STEL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

STEL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. STEL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. STEL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. STEL Profitability Analysis

1.1 Basic Checks

  • STEL had positive earnings in the past year.
  • STEL had a positive operating cash flow in the past year.
  • In the past 5 years STEL has always been profitable.
  • Of the past 5 years STEL 4 years had a positive operating cash flow.
STEL Yearly Net Income VS EBIT VS OCF VS FCFSTEL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • STEL's Return On Assets of 0.96% is in line compared to the rest of the industry. STEL outperforms 54.33% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.17%, STEL is doing worse than 74.02% of the companies in the same industry.
Industry RankSector Rank
ROA 0.96%
ROE 6.17%
ROIC N/A
ROA(3y)1.08%
ROA(5y)0.9%
ROE(3y)7.3%
ROE(5y)6.39%
ROIC(3y)N/A
ROIC(5y)N/A
STEL Yearly ROA, ROE, ROICSTEL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 24.13%, STEL perfoms like the industry average, outperforming 46.46% of the companies in the same industry.
  • In the last couple of years the Profit Margin of STEL has grown nicely.
  • STEL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.51%
PM growth 5Y5.71%
GM growth 3YN/A
GM growth 5YN/A
STEL Yearly Profit, Operating, Gross MarginsSTEL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. STEL Health Analysis

2.1 Basic Checks

  • STEL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • STEL has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for STEL has been increased compared to 5 years ago.
  • STEL has a better debt/assets ratio than last year.
STEL Yearly Shares OutstandingSTEL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
STEL Yearly Total Debt VS Total AssetsSTEL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • STEL has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
  • STEL has a better Debt to FCF ratio (0.84) than 71.92% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that STEL is not too dependend on debt financing.
  • STEL has a better Debt to Equity ratio (0.04) than 82.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.84
Altman-Z N/A
ROIC/WACCN/A
WACC15.92%
STEL Yearly LT Debt VS Equity VS FCFSTEL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STEL Yearly Current Assets VS Current LiabilitesSTEL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. STEL Growth Analysis

3.1 Past

  • The earnings per share for STEL have decreased by -9.55% in the last year.
  • Measured over the past years, STEL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.43% on average per year.
  • STEL shows a decrease in Revenue. In the last year, the revenue decreased by -1.77%.
  • Measured over the past years, STEL shows a very strong growth in Revenue. The Revenue has been growing by 24.18% on average per year.
EPS 1Y (TTM)-9.55%
EPS 3Y11.91%
EPS 5Y13.43%
EPS Q2Q%0%
Revenue 1Y (TTM)-1.77%
Revenue growth 3Y11.02%
Revenue growth 5Y24.18%
Sales Q2Q%-3.92%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.71% on average over the next years.
  • The Revenue is expected to grow by 5.13% on average over the next years.
EPS Next Y7.36%
EPS Next 2Y7.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.63%
Revenue Next 2Y5.13%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
STEL Yearly Revenue VS EstimatesSTEL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
STEL Yearly EPS VS EstimatesSTEL Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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1

4. STEL Valuation Analysis

4.1 Price/Earnings Ratio

  • STEL is valuated rather expensively with a Price/Earnings ratio of 18.40.
  • Based on the Price/Earnings ratio, STEL is valued expensively inside the industry as 81.89% of the companies are valued cheaper.
  • The average S&P500 Price/Earnings ratio is at 26.46. STEL is valued slightly cheaper when compared to this.
  • STEL is valuated rather expensively with a Price/Forward Earnings ratio of 17.14.
  • STEL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. STEL is more expensive than 77.17% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.65. STEL is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.4
Fwd PE 17.14
STEL Price Earnings VS Forward Price EarningsSTEL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, STEL is valued a bit more expensive than 76.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 22.34
EV/EBITDA N/A
STEL Per share dataSTEL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates STEL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.5
PEG (5Y)1.37
EPS Next 2Y7.71%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. STEL Dividend Analysis

5.1 Amount

  • STEL has a Yearly Dividend Yield of 1.61%.
  • STEL's Dividend Yield is slightly below the industry average, which is at 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, STEL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.61%

5.2 History

  • The dividend of STEL is nicely growing with an annual growth rate of 8.55%!
  • STEL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • As STEL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.55%
Div Incr Years1
Div Non Decr Years7
STEL Yearly Dividends per shareSTEL Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • STEL pays out 28.57% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of STEL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP28.57%
EPS Next 2Y7.71%
EPS Next 3YN/A
STEL Yearly Income VS Free CF VS DividendSTEL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
STEL Dividend Payout.STEL Dividend Payout, showing the Payout Ratio.STEL Dividend Payout.PayoutRetained Earnings

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STEL Fundamentals: All Metrics, Ratios and Statistics

STELLAR BANCORP INC

NYSE:STEL (3/9/2026, 8:04:00 PM)

After market: 36.6033 -0.01 (-0.02%)

36.61

-0.39 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners63.64%
Inst Owner Change0.64%
Ins Owners9.99%
Ins Owner Change0.97%
Market Cap1.86B
Revenue(TTM)423.41M
Net Income(TTM)101.94M
Analysts80
Price Target36.72 (0.3%)
Short Float %1.59%
Short Ratio1.25
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
Yearly Dividend0.53
Dividend Growth(5Y)8.55%
DP28.57%
Div Incr Years1
Div Non Decr Years7
Ex-Date03-16
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.68%
Min EPS beat(2)-0.69%
Max EPS beat(2)12.06%
EPS beat(4)3
Avg EPS beat(4)4.38%
Min EPS beat(4)-0.69%
Max EPS beat(4)12.06%
EPS beat(8)6
Avg EPS beat(8)6.36%
EPS beat(12)6
Avg EPS beat(12)-4.39%
EPS beat(16)9
Avg EPS beat(16)-3.54%
Revenue beat(2)0
Avg Revenue beat(2)-2.47%
Min Revenue beat(2)-2.7%
Max Revenue beat(2)-2.23%
Revenue beat(4)0
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)-1.47%
Revenue beat(8)1
Avg Revenue beat(8)-1.26%
Revenue beat(12)3
Avg Revenue beat(12)-1.17%
Revenue beat(16)6
Avg Revenue beat(16)8.67%
PT rev (1m)0%
PT rev (3m)13.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.9%
EPS NY rev (1m)-0.66%
EPS NY rev (3m)5.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)1.73%
Revenue NY rev (3m)2.13%
Valuation
Industry RankSector Rank
PE 18.4
Fwd PE 17.14
P/S 4.4
P/FCF 22.34
P/OCF 21.22
P/B 1.12
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)1.99
EY5.44%
EPS(NY)2.14
Fwd EY5.84%
FCF(TTM)1.64
FCFY4.48%
OCF(TTM)1.73
OCFY4.71%
SpS8.32
BVpS32.56
TBVpS21.27
PEG (NY)2.5
PEG (5Y)1.37
Graham Number38.18
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 6.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.13%
GM N/A
FCFM 19.69%
ROA(3y)1.08%
ROA(5y)0.9%
ROE(3y)7.3%
ROE(5y)6.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.51%
PM growth 5Y5.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.84
Debt/EBITDA N/A
Cap/Depr 14.56%
Cap/Sales 1.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 81.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC15.92%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-9.55%
EPS 3Y11.91%
EPS 5Y13.43%
EPS Q2Q%0%
EPS Next Y7.36%
EPS Next 2Y7.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.77%
Revenue growth 3Y11.02%
Revenue growth 5Y24.18%
Sales Q2Q%-3.92%
Revenue Next Year5.63%
Revenue Next 2Y5.13%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.28%
OCF growth 3YN/A
OCF growth 5YN/A

STELLAR BANCORP INC / STEL FAQ

Can you provide the ChartMill fundamental rating for STELLAR BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to STEL.


What is the valuation status of STELLAR BANCORP INC (STEL) stock?

ChartMill assigns a valuation rating of 1 / 10 to STELLAR BANCORP INC (STEL). This can be considered as Overvalued.


How profitable is STELLAR BANCORP INC (STEL) stock?

STELLAR BANCORP INC (STEL) has a profitability rating of 3 / 10.


What is the valuation of STELLAR BANCORP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for STELLAR BANCORP INC (STEL) is 18.4 and the Price/Book (PB) ratio is 1.12.


What is the earnings growth outlook for STELLAR BANCORP INC?

The Earnings per Share (EPS) of STELLAR BANCORP INC (STEL) is expected to grow by 7.36% in the next year.