NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
StockVS

NYSE · Banks - Regional · USD

Stellar Bancorp, Inc. (STEL) Stock Analysis

Stellar Bancorp, Inc. (STEL) is a Banks - Regional stock listed on NYSE and quoted in US Dollar.

STEL

$39.32

+$1.62 (+4.30%)

Last trade June 30, 2026

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare STEL with… →

STEL Key Statistics

As of Jun 30, 2026
Trading
Open
$39.25
Previous Close
$37.70
Day's Range
38.79–39.32
52-Week Range
26.30–40.21
Volume
1.89M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.73
Valuation
Market Cap
$1.92B
P/E Ratio
18.30
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
16.06
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
4.56
EPS (ttm)Profit attributable to each share over the last twelve months.
2.06
Financials (FY)
Revenue (FY)
$423.41M−1.77%
Net Income (FY)
$102.87M−10.55%
Profit marginThe share of revenue left as profit after all costs and taxes.
24.99%
1-Year Return
+41.82%
Dividend and dates
Dividend
$0.60+1.59%
Avg Volume
305.05K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

STEL Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+27.08%
2025+11.28%
2024 (partial year)−0.42%

As of June 30, 2026.

STEL Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$423.41M$102.87M24.3%
2024$431.04M$115.00M26.7%
2023$461.32M$130.50M28.3%
2022$309.31M$51.43M16.6%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$423.41M——$102.87M24.3%
2024$431.04M——$115.00M26.7%
2023$461.32M——$130.50M28.3%
2022$309.31M——$51.43M16.6%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

STEL Valuation vs Banks - Regional Median

Median of 380 stocks
MetricSTELBanks - Regional medianvs median
P/E18.3012.6245% above
P/S ratio4.563.7721% above
Profit margin24.99%29.15%4.2 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Analysis

Data-derived

Company Overview

Stellar Bancorp, Inc. (STEL) carries a market capitalisation of $1.92B. It is classified in the Banks - Regional industry, within the Financial Services sector. Headcount on file is 1,053.

STEL last closed at $39.32 on June 30, 2026. That is +$1.62 (+4.30%) against the previous close. Over the past 52 weeks the price has ranged from $26.30 to $40.21. The latest close sits 49.51% above that 52-week low.

Financial Health

In fiscal 2025, Stellar Bancorp, Inc. reported revenue of $423.41M. That is −1.77% against the prior fiscal year, when revenue was $431.04M. Net income for the same year was $102.87M. That is −10.55% against the prior fiscal year. The reported profit margin is 24.99%. That is 4.2 percentage points below the Banks - Regional median of 29.15%. Earnings per share on a trailing basis come to 2.06.

Across the 4 fiscal years on file, revenue moves from $309.31M in 2022 to $423.41M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

STEL trades at a trailing price-to-earnings ratio of 18.3. That is 45.01% above the Banks - Regional median of 12.62. The forward P/E on file is 16.06. The price-to-sales ratio is 4.56. On price-to-sales that is 21.01% above the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Over the trailing twelve months the price has returned +41.82%. The stored price history starts on December 19, 2024, and the total return since then is +40.82%. Beta against the wider market is reported at 0.73. Daily returns over the trailing 1 year annualize to a volatility of 25.22%.

Growth & Income

STEL pays a dividend yielding 1.59%. That is 1.1 percentage points below the Banks - Regional median yield of 2.7%. At the indicated rate that is $0.60 a share a year.

The record holds one complete calendar year, 2025, which returned +11.28%. So far in 2026 the price is +27.08%.

Peer Comparison

Stellar Bancorp, Inc. (STEL) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Stellar Bancorp, Inc. STEL $1.92B 18.3
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Stellar Bancorp, Inc. trades at a P/E of 18.3.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of June 30, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$135.92B

 HDB

HDFC Bank Limited

$119.10B

 IBN

ICICI Bank Limited

$108.74B

 USB

U.S. Bancorp

$98.73B

 PNC

The PNC Financial Services Group, Inc.

$97.98B

 ITUB

Itaú Unibanco Holding S.A.

$89.83B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 BAC

Bank of America Corporation

$438.31B
View all Financial Services stocks →

About Stellar Bancorp, Inc.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also offers commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Visit website →