STEL
Stellar Bancorp, Inc.
NYSE: STEL · ·
$39.32
+0.00% today
Updated 2026-07-01
Market cap
$2.00B
P/E ratio
19.09
P/S ratio
4.76x
EPS (TTM)
$2.06
Dividend yield
1.48%
52W range
$28 – $40
Volume
0.5M
WallStSmart proprietary scores
59
out of 100
Grade: C+
Hold
Investment rating
8.0
Growth
A5.0
Quality
C+7.0
Profitability
B+5.3
Valuation
C+4/9
Piotroski F-Score
Moderate
0.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$38.00
-3.36%
12-Month target
$39.52
+0.51%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Profit margin 25.00% — above average
+ Free cash flow $16.24M — positive
+ Debt/equity 0.11x — low leverage
Risks
- Altman Z 0.29 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $343.35M | $615.38M | $625.45M | $596.26M | $420.67M |
| Net income | $51.43M | $130.50M | $115.00M | $102.87M | $26.97M |
| EPS | — | — | — | — | $2.06 |
| Free cash flow | $105.25M | $161.36M | $127.96M | $92.61M | $16.24M |
| Profit margin | 14.98% | 21.21% | 18.39% | 17.25% | 25.00% |
Peer comparison
| Company | Mkt Cap | Score | Growth | Profit | Value | Quality | MoS | Rating |
|---|---|---|---|---|---|---|---|---|
| STEL | $2.00B | 59 | 8.0 | 7.0 | 5.3 | 5.0 | — | Buy |
Smart narrative
Stellar Bancorp, Inc. trades at $39.32. representing a P/E of 19.09x trailing earnings. Our Smart Value Score of 59/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 0.29, it sits in the distress. TTM revenue stands at $420.67M. with profit margins at 25.00%.
Frequently asked questions
What is Stellar Bancorp, Inc.'s stock price?
Stellar Bancorp, Inc. (STEL) trades at $39.32, on a P/E of 19.1x and a P/S of 4.8x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Stellar Bancorp, Inc. overvalued?
Stellar Bancorp, Inc. carries a Smart Value Score of 59/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Stellar Bancorp, Inc. (STEL)?
The 12-month analyst consensus target is $38.00, about 3.4% below the current $39.32. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Stellar Bancorp, Inc.'s revenue?
Stellar Bancorp, Inc.'s trailing twelve-month revenue is $420.67M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Stellar Bancorp, Inc.'s Altman Z-Score is 0.29, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
Sector—
Industry—
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio4.76x
ROE6.41%
Beta0.71
50D MA$37.76
200D MA$34.59
Shares out0.05B
Float0.05B
Short ratio—
Avg volume0.5M
Performance
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