STEL Fundamental Analysis - STELLAR BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to STEL. STEL was compared to 391 industry peers in the Banks industry. STEL may be in some trouble as it scores bad on both profitability and health. STEL is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year STEL was profitable.

STEL had a positive operating cash flow in the past year.

In the past 5 years STEL has always been profitable.

In the past 5 years STEL always reported a positive cash flow from operatings.

1.2 Ratios

STEL's Return On Assets of 1.05% is fine compared to the rest of the industry. STEL outperforms 70.33% 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 64.45% 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

STEL has a better Profit Margin (25.94%) than 64.19% of its industry peers.

STEL's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for STEL so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

STEL has more shares outstanding than it did 5 years ago.

STEL has a better debt/assets ratio than last year.

2.2 Solvency

STEL has a debt to FCF ratio of 1.79. This is a very positive value and a sign of high solvency as it would only need 1.79 years to pay back of all of its debts.

STEL has a Debt to FCF ratio of 1.79. This is comparable to the rest of the industry: STEL outperforms 51.66% of its industry peers.

STEL has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.

STEL has a Debt to Equity ratio of 0.09. This is in the better half of the industry: STEL outperforms 73.15% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	1.79
Altman-Z	N/A

ROIC/WACCN/A

WACC17.21%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for STEL have decreased by -0.93% in the last year.

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-9.59%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.05, which indicates a correct valuation of STEL.

Compared to the rest of the industry, the Price/Earnings ratio of STEL indicates a slightly more expensive valuation: STEL is more expensive than 63.17% of the companies listed in the same industry.

STEL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.77, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 14.85, STEL is valued correctly.

Based on the Price/Forward Earnings ratio, STEL is valued a bit more expensive than the industry average as 74.42% of the companies are valued more cheaply.

STEL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.23.

		Industry Rank	Sector Rank
PE	14.05
Fwd PE	14.85

4.2 Price Multiples

STEL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. STEL is more expensive than 70.08% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	19.51
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)7.71

EPS Next 2Y-4.53%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

STEL has a Yearly Dividend Yield of 1.95%.

STEL's Dividend Yield is slightly below the industry average, which is at 3.60.

Compared to an average S&P500 Dividend Yield of 2.36, STEL has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.95%

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

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

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STELLAR BANCORP INC

NYSE:STEL (10/21/2025, 8:04:01 PM)

After market: 29.78 0 (0%)

29.78

-0.37 (-1.23%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-25 2025-07-25/bmo

Earnings (Next)10-24 2025-10-24/bmo

Inst Owners62%

Inst Owner Change-0.11%

Ins Owners9.82%

Ins Owner Change-0.05%

Market Cap1.53B

Analysts74.55

Price Target32.23 (8.23%)

Short Float %3.26%

Short Ratio5.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.95%

Yearly Dividend0.53

Dividend Growth(5Y)8.55%

DP26.23%

Div Incr Years1

Div Non Decr Years7

Ex-Date09-15 2025-09-15 (0.14)

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)0.73%

EPS NQ rev (3m)8.06%

EPS NY rev (1m)1.14%

EPS NY rev (3m)6.21%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.2%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.81%

Valuation

		Industry Rank	Sector Rank
PE	14.05
Fwd PE	14.85
P/S	3.6
P/FCF	19.51
P/OCF	18.32
P/B	0.95
P/tB	1.49
EV/EBITDA	N/A

EPS(TTM)2.12

EY7.12%

EPS(NY)2.01

Fwd EY6.73%

FCF(TTM)1.53

FCFY5.13%

OCF(TTM)1.63

OCFY5.46%

SpS8.27

BVpS31.23

TBVpS19.96

PEG (NY)N/A

PEG (5Y)7.71

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

WACC17.21%

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-9.59%

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%

STELLAR BANCORP INC (STEL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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