/STEL

STEL Stock - Stellar Bancorp, Inc.

Q: What is the analyst price target for STEL?

Analyst price target information is not currently available for STEL.

Q: What is STEL's market cap?

Market capitalization information is not currently available for STEL.

Financial Services|Banks - Regional|NYSE

$31.65-0.60%

$0.19 (-0.60%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+1.1%upside

Target: $32.00

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.81

52W High$32.74

52W Low$24.13

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$625.45M	$615.38M	$343.35M	$261.75M	$249.92M
Gross Profit	$433.92M	$452.38M	$258.60M	$239.45M	$183.47M
Gross Margin	69.4%	73.5%	75.3%	91.5%	73.4%
Operating Income	$144.96M	$161.88M	$62.52M	$99.89M	$55.97M
Net Income	$115.00M	$130.50M	$51.43M	$81.55M	$45.53M
Net Margin	18.4%	21.2%	15.0%	31.2%	18.2%
EPS	$2.15	$2.45	$1.48	$2.85	$1.06

Company Overview

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.

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Rating Distribution

Strong Buy

Buy / Outperform

50%

Hold / Neutral

50%

Sell / Underperform

Analyst Consensus🟡 Mixed

1 Bullish1 Neutral/Bearish

Price Targets

$37

Average Target

↑ 15.9% Upside

Now

$33

Low

$37

Average

$43

High

Based on 3 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
December 9th 2024	Stephens	Downgrade	Equal Weight	-
January 30th 2023	Piper Sandler	Upgrade	Overweight	$34← $36
December 13th 2022	Stephens	Upgrade	Overweight	$43
October 6th 2022	Raymond James	Resumed	Outperform	$33

Earnings History & Surprises

STEL

Beat Rate

71%

Last 17 quarters

Avg Surprise

+8.6%

EPS vs Estimate

Beats / Misses

12/4

1 met exactly

Latest EPS

$0.50

Q4 2025

EPS Surprise History

Q1 24

-7.3%

$0.51vs$0.55

Q2 24

+2.1%

$0.49vs$0.48

Q3 24

+16.7%

$0.56vs$0.48

Q4 24

+31.3%

$0.63vs$0.48

Q1 25

+8.3%

$0.52vs$0.48

Q2 25

+4.5%

$0.46vs$0.44

Q3 25

+13.3%

$0.51vs$0.45

Q4 25

0.0%

$0.50vs$0.50

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 23, 2026	—	—	—	—
Q1 2026	Jan 29, 2026	$0.53	—	—	—
Q4 2025	Oct 24, 2025	$0.50	$0.50	0.0%	= MET
Q3 2025	Jul 25, 2025	$0.45	$0.51	+13.3%	✓ BEAT
Q2 2025	Apr 25, 2025	$0.44	$0.46	+4.5%	✓ BEAT
Q1 2025	Jan 30, 2025	$0.48	$0.52	+8.3%	✓ BEAT
Q4 2024	Oct 25, 2024	$0.48	$0.63	+31.3%	✓ BEAT
Q3 2024	Jul 26, 2024	$0.48	$0.56	+16.7%	✓ BEAT
Q2 2024	Apr 26, 2024	$0.48	$0.49	+2.1%	✓ BEAT
Q1 2024	Jan 26, 2024	$0.55	$0.51	-7.3%	✗ MISS
Q4 2023	Oct 27, 2023	$0.57	$0.58	+1.8%	✓ BEAT
Q3 2023	Jul 28, 2023	$0.68	$0.66	-2.9%	✗ MISS
Q2 2023	Apr 28, 2023	$0.71	$0.70	-1.4%	✗ MISS
Q1 2023	Mar 15, 2023	—	$0.47	—	—
Q4 2022	Oct 28, 2022	$0.81	$0.52	-35.8%	✗ MISS
Q3 2022	Jul 28, 2022	$0.42	$0.48	+14.3%	✓ BEAT
Q2 2022	Apr 28, 2022	$0.32	$0.38	+18.8%	✓ BEAT
Q1 2022	Jan 27, 2022	$0.33	$0.35	+6.1%	✓ BEAT
Q4 2021	Oct 27, 2021	$0.37	$0.59	+59.5%	✓ BEAT
Q3 2021	Jul 28, 2021	$0.41	$0.48	+17.1%	✓ BEAT

Frequently Asked Questions about STEL

What is STEL's current stock price?

Stellar Bancorp, Inc. (STEL) is currently trading at $31.65 per share. The stock has moved -0.60% today.

What is the analyst price target for STEL?

The average analyst price target for STEL is $32.00, based on 1 analyst.

What sector is Stellar Bancorp, Inc. in?

Stellar Bancorp, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NYSE exchange.

What is STEL's market cap?

Stellar Bancorp, Inc. has a market capitalization of $1.62 billion, making it a small-cap company.

Does STEL pay dividends?

No, Stellar Bancorp, Inc. does not currently pay a dividend to shareholders.