STELLAR BANCORP INC (STEL) Stock Fundamental Analysis
USA - NYSE:STEL - US8589271068 - Common Stock
30.06 USD
-0.26 (-0.86%)
30.06 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to STEL. STEL was compared to 388 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
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.
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 comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.17%, STEL is doing worse than 69.85% of the companies in the same industry.
| 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
With a Profit Margin value of 24.13%, STEL perfoms like the industry average, outperforming 52.58% of the companies in the same industry.
In the last couple of years the Profit Margin of STEL has declined.
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) | 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.
The number of shares outstanding for STEL has been increased compared to 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
The Debt to FCF ratio of STEL is 0.84, which is an excellent value as it means it would take STEL, only 0.84 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of STEL (0.84) is better than 74.74% 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 81.96% 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
WACC17.21%
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%.
STEL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.82% yearly.
Looking at the last year, STEL shows a decrease in Revenue. The Revenue has decreased by -3.06% in the last year.
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
The Earnings Per Share is expected to decrease by -0.11% on average over the next years.
Based on estimates for the next years, STEL will show a small growth in Revenue. The Revenue will grow by 2.18% on average per year.
EPS Next Y-8.88%
EPS Next 2Y-4.16%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 15.11 indicates a correct valuation of STEL.
Based on the Price/Earnings ratio, STEL is valued a bit more expensive than the industry average as 71.39% of the companies are valued more cheaply.
STEL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 14.87, the valuation of STEL can be described as correct.
74.48% of the companies in the same industry are cheaper than STEL, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, STEL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.11 | ||
| Fwd PE | 14.87 |
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 67.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.29
EPS Next 2Y-4.16%
EPS Next 3Y-0.11%
5. Dividend
5.1 Amount
STEL has a Yearly Dividend Yield of 1.88%.
Compared to an average industry Dividend Yield of 3.38, STEL is paying slightly less dividend.
STEL's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
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.
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
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-4.16%
EPS Next 3Y-0.11%
30.06
-0.26 (-0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners62%
Inst Owner Change0.51%
Ins Owners9.82%
Ins Owner Change-0.05%
Market Cap1.54B
Revenue(TTM)422.51M
Net Income(TTM)101.94M
Analysts74.55
Price Target32.44 (7.92%)
Short Float %2.39%
Short Ratio4.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.88% |
Yearly Dividend0.53
Dividend Growth(5Y)8.55%
DP28.57%
Div Incr Years1
Div Non Decr Years7
Ex-Date
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)0.63%
PT rev (3m)0.63%
EPS NQ rev (1m)3.42%
EPS NQ rev (3m)4.28%
EPS NY rev (1m)0.79%
EPS NY rev (3m)7.05%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.11 | ||
| Fwd PE | 14.87 | ||
| P/S | 3.65 | ||
| P/FCF | 18.56 | ||
| P/OCF | 17.62 | ||
| P/B | 0.93 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.99
EY6.62%
EPS(NY)2.02
Fwd EY6.72%
FCF(TTM)1.62
FCFY5.39%
OCF(TTM)1.71
OCFY5.67%
SpS8.23
BVpS32.19
TBVpS21.03
PEG (NY)N/A
PEG (5Y)8.29
Graham Number37.97
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
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)-9.13%
EPS 3Y6.33%
EPS 5Y1.82%
EPS Q2Q%-20.63%
EPS Next Y-8.88%
EPS Next 2Y-4.16%
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 for 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.
Can you provide the PE and PB ratios for STEL stock?
The Price/Earnings (PE) ratio for STELLAR BANCORP INC (STEL) is 15.11 and the Price/Book (PB) ratio is 0.93.
How sustainable is the dividend of STELLAR BANCORP INC (STEL) stock?
The dividend rating of STELLAR BANCORP INC (STEL) is 5 / 10 and the dividend payout ratio is 28.57%.