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STELLAR BANCORP INC

STELNYSE
πŸ† #1936 by market capEarnings Aug 13US Equity
$39.32β–² $0.01 (+0.03%)
Live
1hβ€”
24hβ–² 0.0%
7dβ–² 0.1%
14dβ–² 0.1%
30dβ–² 0.1%
1yβ–² 34.1%
🏦Market Cap
$2.00B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+155.8%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
15.3%
Healthy
βš–οΈP/S Ratio
2.7x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$39.03 – $40.05
52-Week Range
$28.22 – $40.21
Volume
$6.65B
Avg Volume
$6.20B
Shares Outstanding
50.9M
Next Earnings
Sep 11, 2026

Fundamentals Snapshot

Annual Revenue
$596M
Last Q Revenue
$144M
P/E Ratio
19.0
P/S Ratio
2.7x
EPS (TTM)
$2.05
Dividend Yield
1.49%

Why Investors Own STEL

  • βœ“High-growth profile β€” revenue up +25.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 67% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$596Mβ–² +24.0% YoY
Gross Margin (TTM)
67.3%β–² +0.4% YoY
Operating Income (TTM)
$128Mβ–² +24.0% YoY
Free Cash Flow (TTM)
$75Mβ–² +24.0% YoY

About STELLAR BANCORP INC

Stellar Bancorp, Inc. serves as a bank holding company, offering a comprehensive array of commercial banking services. Its core clientele consists of small to medium-sized businesses, various professionals, and individual consumers. The institution provides diverse deposit options, including checking, commercial, money market, and savings accounts, along with other time deposits and certificates of deposit. Its robust loan portfolio spans commercial and industrial financing, commercial real estate loans (which cover multi-family residential properties, construction, and land development), residential real estate lending (such as 1-4 family residential mortgages and new home construction loans), plus consumer and other miscellaneous loan products. For customer convenience, Stellar Bancorp offers access via automated teller machines, drive-through services, and traditional depository facilities. It also embraces digital banking with mobile, telephone, mail, and internet-based services. Additionally, the company furnishes safe deposit boxes, debit cards, cash management and wire transfer solutions, night depository services, direct deposit functionalities, cashier's checks, and letters of credit. Established in 2007 and based in Houston, Texas, Stellar Bancorp, Inc. maintains a physical presence across the Southeast region, with locations in key Texan cities like Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Ratings

β“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy4
Hold3
Sell0
Strong Sell0
Ratings as of Aug 2026

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