STELLAR BANCORP INC (STEL) Stock Fundamental Analysis
USA - NYSE:STEL - US8589271068 - Common Stock
30.77 USD
+0.32 (+1.05%)
30.77 USD
0 (0%)
Overall STEL gets a fundamental rating of 3 out of 10. We evaluated STEL against 392 industry peers in the Banks industry. STEL has a bad profitability rating. Also its financial health evaluation is rather negative. STEL does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year STEL was profitable.
In the past year STEL had a positive cash flow from operations.
STEL had positive earnings in each of the past 5 years.
STEL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
STEL has a Return On Assets of 1.05%. This is in the better half of the industry: STEL outperforms 70.15% of its industry peers.
STEL's Return On Equity of 6.87% is on the low side compared to the rest of the industry. STEL is outperformed by 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 6.87% | ||
| 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
With a decent Profit Margin value of 25.94%, STEL is doing good in the industry, outperforming 64.03% of the companies in the same industry.
STEL's Profit Margin has declined in the last couple of years.
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) | 25.94% | ||
| 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.
The number of shares outstanding for STEL has been increased compared to 1 year ago.
The number of shares outstanding for STEL has been increased compared to 5 years ago.
Compared to 1 year ago, STEL has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of STEL is 1.79, which is an excellent value as it means it would take STEL, only 1.79 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.79, STEL perfoms like the industry average, outperforming 52.55% of the companies in the same industry.
A Debt/Equity ratio of 0.09 indicates that STEL is not too dependend on debt financing.
STEL has a better Debt to Equity ratio (0.09) than 73.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 1.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.99%
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 -0.93%.
The Earnings Per Share has been growing slightly by 1.82% on average over the past years.
Looking at the last year, STEL shows a decrease in Revenue. The Revenue has decreased by -3.36% in the last year.
STEL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.76% yearly.
EPS 1Y (TTM)-0.93%
EPS 3Y6.33%
EPS 5Y1.82%
EPS Q2Q%-8.93%
Revenue 1Y (TTM)-3.36%
Revenue growth 3Y44.66%
Revenue growth 5Y22.76%
Sales Q2Q%-2.53%
3.2 Future
Based on estimates for the next years, STEL will show a decrease in Earnings Per Share. The EPS will decrease by -4.53% on average per year.
STEL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.58% yearly.
EPS Next Y-10.61%
EPS Next 2Y-4.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.97%
Revenue Next 2Y0.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 14.51, 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 62.76% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.20, STEL is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 15.34, the valuation of STEL can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of STEL indicates a slightly more expensive valuation: STEL is more expensive than 74.23% of the companies listed in the same industry.
STEL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.51 | ||
| Fwd PE | 15.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, STEL is valued a bit more expensive than the industry average as 69.13% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as STEL's earnings are expected to decrease with -4.53% in the coming years.
PEG (NY)N/A
PEG (5Y)7.96
EPS Next 2Y-4.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.78%, STEL has a reasonable but not impressive dividend return.
STEL's Dividend Yield is slightly below the industry average, which is at 3.73.
Compared to the average S&P500 Dividend Yield of 2.38, STEL is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
5.2 History
On average, the dividend of STEL grows each year by 8.55%, which is quite nice.
STEL has paid a dividend for at least 10 years, which is a reliable track record.
STEL has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)8.55%
Div Incr Years1
Div Non Decr Years7
5.3 Sustainability
STEL pays out 26.23% of its income as dividend. This is a sustainable payout ratio.
DP26.23%
EPS Next 2Y-4.53%
EPS Next 3YN/A
30.77
+0.32 (+1.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.52%
Inst Owner Change2.05%
Ins Owners9.82%
Ins Owner Change0.32%
Market Cap1.58B
Analysts74.55
Price Target32.23 (4.74%)
Short Float %2.11%
Short Ratio3.37
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.78% |
Yearly Dividend0.53
Dividend Growth(5Y)8.55%
DP26.23%
Div Incr Years1
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.09%
Min EPS beat(2)2.12%
Max EPS beat(2)12.06%
EPS beat(4)4
Avg EPS beat(4)11.59%
Min EPS beat(4)2.12%
Max EPS beat(4)28.14%
EPS beat(8)6
Avg EPS beat(8)6.33%
EPS beat(12)6
Avg EPS beat(12)-7.39%
EPS beat(16)10
Avg EPS beat(16)-0.01%
Revenue beat(2)0
Avg Revenue beat(2)-2.75%
Min Revenue beat(2)-2.79%
Max Revenue beat(2)-2.7%
Revenue beat(4)0
Avg Revenue beat(4)-1.89%
Min Revenue beat(4)-2.79%
Max Revenue beat(4)-0.58%
Revenue beat(8)1
Avg Revenue beat(8)-1.31%
Revenue beat(12)4
Avg Revenue beat(12)2.27%
Revenue beat(16)7
Avg Revenue beat(16)8.98%
PT rev (1m)0%
PT rev (3m)12.06%
EPS NQ rev (1m)0.82%
EPS NQ rev (3m)7.27%
EPS NY rev (1m)5.01%
EPS NY rev (3m)5.01%
Revenue NQ rev (1m)-0.21%
Revenue NQ rev (3m)-1.2%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.51 | ||
| Fwd PE | 15.34 | ||
| P/S | 3.72 | ||
| P/FCF | 20.16 | ||
| P/OCF | 18.93 | ||
| P/B | 0.99 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.12
EY6.89%
EPS(NY)2.01
Fwd EY6.52%
FCF(TTM)1.53
FCFY4.96%
OCF(TTM)1.63
OCFY5.28%
SpS8.27
BVpS31.23
TBVpS19.96
PEG (NY)N/A
PEG (5Y)7.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 6.87% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.94% | ||
| GM | N/A | ||
| FCFM | 18.46% |
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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.09 | ||
| Debt/FCF | 1.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 16.55% | ||
| Cap/Sales | 1.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 71.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC16.99%
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)-0.93%
EPS 3Y6.33%
EPS 5Y1.82%
EPS Q2Q%-8.93%
EPS Next Y-10.61%
EPS Next 2Y-4.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.36%
Revenue growth 3Y44.66%
Revenue growth 5Y22.76%
Sales Q2Q%-2.53%
Revenue Next Year-1.97%
Revenue Next 2Y0.58%
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-51.1%
FCF growth 3Y55.55%
FCF growth 5Y19.01%
OCF growth 1Y-49.77%
OCF growth 3Y56.2%
OCF growth 5Y18.78%