STELLAR BANCORP INC (STEL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:STEL - US8589271068 - Common Stock
32.46 USD
-0.31 (-0.95%)
32.46 USD
0 (0%)
Taking everything into account, STEL scores 3 out of 10 in our fundamental rating. STEL was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of STEL have multiple concerns. STEL has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- STEL had positive earnings in the past year.
- STEL had a positive operating cash flow in the past year.
- STEL had positive earnings in each of the past 5 years.
- In the past 5 years STEL always reported a positive cash flow from operatings.
1.2 Ratios
- STEL has a Return On Assets (0.96%) which is in line with its industry peers.
- The Return On Equity of STEL (6.17%) is worse than 71.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 6.17% | ||
| ROIC | N/A |
ROA(3y)0.92%
ROA(5y)0.84%
ROE(3y)6.48%
ROE(5y)6.12%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- STEL has a Profit Margin of 24.13%. This is comparable to the rest of the industry: STEL outperforms 48.56% of its industry peers.
- In the last couple of years the Profit Margin of STEL has declined.
- STEL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.19%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- STEL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- STEL has more 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.
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 Debt to FCF ratio of 0.84. This is in the better half of the industry: STEL outperforms 71.28% of its industry peers.
- STEL has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
- With an excellent Debt to Equity ratio value of 0.04, STEL belongs to the best of the industry, outperforming 82.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- STEL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.13%.
- Measured over the past 5 years, STEL shows a small growth in Earnings Per Share. The EPS has been growing by 1.82% on average per year.
- STEL shows a decrease in Revenue. In the last year, the revenue decreased by -3.06%.
- The Revenue has been growing by 22.76% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-9.13%
EPS 3Y6.33%
EPS 5Y1.82%
EPS Q2Q%-20.63%
Revenue 1Y (TTM)-3.06%
Revenue growth 3Y44.66%
Revenue growth 5Y22.76%
Sales Q2Q%-2.02%
3.2 Future
- Based on estimates for the next years, STEL will show a decrease in Earnings Per Share. The EPS will decrease by -0.11% on average per year.
- The Revenue is expected to grow by 2.18% on average over the next years.
EPS Next Y-8.14%
EPS Next 2Y-3.97%
EPS Next 3Y-0.11%
EPS Next 5YN/A
Revenue Next Year-1.82%
Revenue Next 2Y0.76%
Revenue Next 3Y2.18%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.31, the valuation of STEL can be described as correct.
- Based on the Price/Earnings ratio, STEL is valued a bit more expensive than the industry average as 71.54% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, STEL is valued a bit cheaper.
- STEL is valuated correctly with a Price/Forward Earnings ratio of 16.00.
- Based on the Price/Forward Earnings ratio, STEL is valued a bit more expensive than 74.93% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. STEL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.31 | ||
| Fwd PE | 16 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, STEL is valued a bit more expensive than the industry average as 71.80% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.95
EPS Next 2Y-3.97%
EPS Next 3Y-0.11%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.83%, STEL has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.86, STEL is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.84, STEL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
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
5.3 Sustainability
- 28.57% of the earnings are spent on dividend by STEL. This is a low number and sustainable payout ratio.
DP28.57%
EPS Next 2Y-3.97%
EPS Next 3Y-0.11%
32.46
-0.31 (-0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-30 2026-01-30/bmo
Inst Owners63.24%
Inst Owner Change-0.91%
Ins Owners9.92%
Ins Owner Change-0.67%
Market Cap1.66B
Revenue(TTM)422.51M
Net Income(TTM)101.94M
Analysts74.55
Price Target32.44 (-0.06%)
Short Float %2.88%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
Yearly Dividend0.53
Dividend Growth(5Y)8.55%
DP28.57%
Div Incr Years1
Div Non Decr Years7
Ex-DateN/A
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)0.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.55%
EPS NY rev (1m)0%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.31 | ||
| Fwd PE | 16 | ||
| P/S | 3.93 | ||
| P/FCF | 19.98 | ||
| P/OCF | 18.97 | ||
| P/B | 1.01 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.99
EY6.13%
EPS(NY)2.03
Fwd EY6.25%
FCF(TTM)1.63
FCFY5.01%
OCF(TTM)1.71
OCFY5.27%
SpS8.25
BVpS32.29
TBVpS21.1
PEG (NY)N/A
PEG (5Y)8.95
Graham Number38.03
Profitability
| Industry Rank | Sector 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)0.92%
ROA(5y)0.84%
ROE(3y)6.48%
ROE(5y)6.12%
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 3Y2.19%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector 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-Score5
WACC16.8%
ROIC/WACCN/A
Cap/Depr(3y)20.35%
Cap/Depr(5y)84.02%
Cap/Sales(3y)1.27%
Cap/Sales(5y)2.77%
Profit Quality(3y)146.59%
Profit Quality(5y)127.36%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.13%
EPS 3Y6.33%
EPS 5Y1.82%
EPS Q2Q%-20.63%
EPS Next Y-8.14%
EPS Next 2Y-3.97%
EPS Next 3Y-0.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.06%
Revenue growth 3Y44.66%
Revenue growth 5Y22.76%
Sales Q2Q%-2.02%
Revenue Next Year-1.82%
Revenue Next 2Y0.76%
Revenue Next 3Y2.18%
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-49.03%
FCF growth 3Y55.55%
FCF growth 5Y19.01%
OCF growth 1Y-49.05%
OCF growth 3Y56.2%
OCF growth 5Y18.78%
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 2 / 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 16.31 and the Price/Book (PB) ratio is 1.01.
What is the earnings growth outlook for STELLAR BANCORP INC?
The Earnings per Share (EPS) of STELLAR BANCORP INC (STEL) is expected to decline by -8.14% in the next year.