Financial Services
Stellar Bancorp, Inc.(STEL)
Live Price
Offline$38.43
+0.39% today
1Y Change
+37.75%
Window
Jun 23, 2025 โ Jun 17, 2026
- Market Cap
- $1.91B
- Revenue Growth
- -4.7%
- EPS Growth
- -7.4%
- Dividend Yield
- 1.5%
Coverage: 248 bars ยท Jun 23, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Stellar Bancorp, Inc. (STEL) is a Financial Services stock with a market cap of $1.91B and listed on NYSE. The stock last traded around $38.43 and up 37.7% across the available one-year price window (Jun 23, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of -4.7%, EPS growth of -7.4%, a dividend yield of 1.5%. What stands out right now is revenue -4.7%, EPS -7.4%, free cash flow -27.6% with operating margin 22.0% and ROIC 5.5%. The dividend is present but secondary, with a yield around 1.5%. Valuation is more restrained than many high-expectation growth names at P/E 18.2 and price/sales 3.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines STEL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-4.7% vs +3.4% peer median
Operating Margin
Above sector median
+22.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 24, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -4.7% and EPS is at -7.4%, with operating margin around 22.0%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 1.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.8% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 24, 2026 | โ | +0.8% | +0.6% | +0.5% |
2026 Jan 28, 2026 | -0.8% | +1.3% | +6.2% | +5.7% |
2025 Oct 24, 2025 | +1.2% | -0.0% | -1.3% | +5.4% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
STEL
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
STEL Max Drawdown
-11.68%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for STEL and SPY.
Company Overview
Stellar Bancorp, Inc.
New York Stock Exchange
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.
- Leadership
- Robert R. Franklin Jr.
- IPO Date
- Nov 8, 2017
- Employees
- 1.1k
- Street Address
- 9 Greenway Plaza
- Mailing
- Houston, TX, 77046
- Region
- Houston, TX, US
- Reporting Currency
- USD
- Investor Line
- 713 210 7600
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 18.2
- EV/EBITDA
- 10.1
- Price/Sales
- 3.2
- Price/Book
- 1.1
Growth
- Revenue
- -4.7%
- EPS
- -7.4%
- Free Cash Flow
- -27.6%
Profitability
- Gross Margin
- 69.9%
- Operating Margin
- 22.0%
- Net Margin
- 17.8%
- ROE
- 6.4%
- ROIC
- 5.5%
Balance Sheet
- Debt/Equity
- 0.11
- Current Ratio
- 0.23
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.