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STELLAR BANCORP INC (STEL) Stock Fundamental Analysis

USA - NYSE:STEL - US8589271068 - Common Stock

29.78 USD
-0.37 (-1.23%)
Last: 10/21/2025, 8:04:01 PM
29.78 USD
0 (0%)
After Hours: 10/21/2025, 8:04:01 PM
Fundamental Rating

3

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.


Dividend Valuation Growth Profitability Health

3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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 RankSector 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
STEL Yearly ROA, ROE, ROICSTEL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

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 RankSector 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
STEL Yearly Profit, Operating, Gross MarginsSTEL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

3

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.
STEL Yearly Shares OutstandingSTEL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
STEL Yearly Total Debt VS Total AssetsSTEL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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 RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.79
Altman-Z N/A
ROIC/WACCN/A
WACC17.21%
STEL Yearly LT Debt VS Equity VS FCFSTEL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

3

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.
STEL Yearly Revenue VS EstimatesSTEL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0.5 1 1.5 2 2.5

2

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 RankSector Rank
PE 14.05
Fwd PE 14.85
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

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 RankSector Rank
P/FCF 19.51
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

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

5

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 RankSector 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
STEL Yearly Dividends per shareSTEL Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

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
STEL Yearly Income VS Free CF VS DividendSTEL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
STEL Dividend Payout.STEL Dividend Payout, showing the Payout Ratio.STEL Dividend Payout.PayoutRetained Earnings

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 RankSector 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 RankSector 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 RankSector 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 RankSector 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%