US8589271068 - Common Stock

**STEL** gets a fundamental rating of **3** out of 10. The analysis compared the fundamentals against 404 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.

In the past 5 years **STEL** has always been profitable.

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

The **Return On Assets** of **STEL** (**1.10%**) is better than **75.75%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.1% | ||

ROE | 7.2% | ||

ROIC | N/A |

ROA(3y)0.83%

ROA(5y)0.92%

ROE(3y)6.21%

ROE(5y)6.58%

ROIC(3y)N/A

ROIC(5y)N/A

The **Profit Margin** of **STEL** (**26.86%**) is better than **70.25%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | N/A | ||

PM (TTM) | 26.86% | ||

GM | N/A |

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y15.39%

PM growth 5Y-3.63%

GM growth 3YN/A

GM growth 5YN/A

Compared to 1 year ago, **STEL** has more shares outstanding

The debt/assets ratio for **STEL** has been reduced compared to a year ago.

A Debt/Equity ratio of **0.10** indicates that **STEL** is not too dependend on debt financing.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.1 | ||

Debt/FCF | 1.09 | ||

Altman-Z | N/A |

ROIC/WACCN/A

WACC14.82%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

The **Earnings Per Share** has grown by an nice **10.61%** over the past year.

Measured over the past 5 years, **STEL** shows a small growth in **Earnings Per Share**. The EPS has been growing by **5.33%** on average per year.

Looking at the last year, **STEL** shows a decrease in **Revenue**. The Revenue has decreased by **-8.18%** in the last year.

Measured over the past years, **STEL** shows a very strong growth in **Revenue**. The Revenue has been growing by **27.12%** on average per year.

EPS 1Y (TTM)10.61%

EPS 3Y32.22%

EPS 5Y5.33%

EPS Q2Q%8.62%

Revenue 1Y (TTM)-8.18%

Revenue growth 3Y47.62%

Revenue growth 5Y27.12%

Sales Q2Q%-0.73%

The **Revenue** is expected to decrease by **-0.67%** on average over the next years.

EPS Next Y-9.74%

EPS Next 2Y-11.11%

EPS Next 3Y-5.53%

EPS Next 5YN/A

Revenue Next Year-7.13%

Revenue Next 2Y-3.13%

Revenue Next 3Y-0.67%

Revenue Next 5YN/A

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

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

With a **Price/Earnings** ratio of **13.56**, **STEL** is valued correctly.

The rest of the industry has a similar **Price/Earnings** ratio as **STEL**.

Compared to an average S&P500 **Price/Earnings** ratio of **29.30**, **STEL** is valued rather cheaply.

A **Price/Forward Earnings** ratio of **15.34** indicates a correct valuation of **STEL**.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 13.56 | ||

Fwd PE | 15.34 |

Compared to the rest of the industry, the **Price/Free Cash Flow** ratio of **STEL** indicates a somewhat cheap valuation: **STEL** is cheaper than 68.00% of the companies listed in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 10.2 | ||

EV/EBITDA | N/A |

PEG (NY)N/A

PEG (5Y)2.54

EPS Next 2Y-11.11%

EPS Next 3Y-5.53%

Compared to an average industry **Dividend Yield** of **3.07**, **STEL** is paying slightly less dividend.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.77% |

On average, the dividend of **STEL** grows each year by **21.11%**, which is quite nice.

Dividend Growth(5Y)21.11%

Div Incr Years0

Div Non Decr Years6

DP23.69%

EPS Next 2Y-11.11%

EPS Next 3Y-5.53%

**STELLAR BANCORP INC**

NYSE:STEL (11/8/2024, 8:22:11 PM)

After market: 29.69 0 (0%)**29.69**

**+0.33 (+1.12%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap1.59B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.77% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 13.56 | ||

Fwd PE | 15.34 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)2.54

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 1.1% | ||

ROE | 7.2% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | N/A | ||

PM (TTM) | 26.86% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.04

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.1 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)10.61%

EPS 3Y32.22%

EPS 5Y

EPS Q2Q%

EPS Next Y-9.74%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-8.18%

Revenue growth 3Y47.62%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y