STEL Company Profile and Key Details

Q: Who are the executives of STEL?

Mr. Ramon A. Vitulli IIIPresMr. Okan I. AkinChief Risk OfficerMr. Paul P. EggeSenior EVice President & Chief Financial OfficerMr. Robert R. Franklin Jr.Chief Executive Officer & DirectorCourtney TheriotExecutive Vice President & Chief Accounting OfficerMr. Steven F. RetzloffExecutive ChairmanMr. Justin M. Long Esq.Senior EVice President, Gen. Counsel & Corporation Sec.Mr. Joe F. WestSenior EVice President & Chief Credit OfficerMr. Travis L. JaggersPres of Stellar Bank

NYSE : STEL

Stellar Bancorp

$39.32

0.01+0.03%

At Close 4:00 PM

Not Actively Trading

67.62

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Stellar Bancorp, Inc. (STEL) stock surged +0.03%, trading at $39.32 on NYSE, up from the previous close of $39.31. The stock opened at $39.25, fluctuating between $38.79 and $39.32 in the recent session.

Stock Snapshot

39.31

Prev. Close

Market Cap

38.785

Day Low

18.72

P/E Ratio

2.1

EPS (TTM)

3.03

Cash Flow per Share

39.25

Open

50.92M

Number of Shares

39.32

Day High

90.54%

Free Float in %

28.59

Book Value

1.89M

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Jun 30, 2026	39.25	39.32	38.78	39.32	5.94M
Jun 29, 2026	39.69	39.69	39.20	39.31	614.4K
Jun 26, 2026	39.33	39.69	39.04	39.69	1.86M
Jun 25, 2026	38.97	39.22	38.67	39.19	890.52K
Jun 24, 2026	39.00	39.13	38.80	38.97	393.02K
Jun 23, 2026	38.82	38.90	38.52	38.89	390.82K
Jun 22, 2026	38.37	38.70	38.35	38.57	288.33K
Jun 18, 2026	38.55	38.65	38.23	38.43	781.96K
Jun 17, 2026	38.51	38.79	37.95	38.28	554.35K
Jun 16, 2026	38.65	38.95	38.49	38.59	314.79K
Jun 15, 2026	38.60	38.98	38.29	38.33	333.05K
Jun 12, 2026	38.64	38.87	38.56	38.87	421.18K
Jun 11, 2026	38.22	38.62	38.07	38.40	491.46K
Jun 10, 2026	38.23	38.52	38.10	38.30	479.02K
Jun 09, 2026	37.70	38.33	37.70	37.99	510.32K
Jun 08, 2026	37.53	37.86	37.35	37.64	342.72K
Jun 05, 2026	37.50	37.86	37.30	37.59	435.75K
Jun 04, 2026	37.48	37.56	37.21	37.44	486.98K
Jun 03, 2026	37.23	37.23	36.76	36.98	325.86K
Jun 01, 2026	37.18	37.26	36.68	36.78	405K

Contact Details

Houston, TX 77046

United States

https://ir.stellarbancorpinc.com 713 210 7600

About Company

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.

Stock Peers

USB-PA

-1.57-0.21%

U.S. Bancorp PERP PFD SER A$759.60 PNC

0.94+0.37%

The PNC Financial Services Group, Inc.$252.85 MTB

0.21+0.09%

M&T Bank Corporation$242.55 CUBI-PE

-0.70221-0.34%

Customers Bancorp, Inc.$205.87 NIC

0.5+0.30%

Nicolet Bankshares, Inc.$164.58 CFR

1.04+0.66%

Cullen/Frost Bankers, Inc.$157.90 KB

0.06+0.05%

KB Financial Group Inc.$123.25 SSB

0.76+0.76%

SouthState Bank Corp.$100.44 PNFP

-0.33-0.33%

Pinnacle Financial Partners, Inc.$100.14 AX

-0.24-0.25%

Axos Financial, Inc.$97.16

Company Overview

Stellar Bancorp, Inc. (NYSE:STEL) closed at $39.32 USD, gaining $0.01 (0.03%) from the previous close of $39.31. The stock is currently within 5% of its 52-week high $28.22 and $40.21. With a market capitalization of about $2.00 billion, Stellar Bancorp, Inc. is classified as a mid-cap and shows lower-than-market volatility (beta ~0.71). Key stats such as the average daily volume over the past year has been around 466.99 thousand shares, trading with heavier-than-usual volume. Headquartered in Houston, TX, Stellar Bancorp, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Robert R. Franklin Jr., the company employs approximately 1,053 people and listed since November 08, 2017. Stellar Bancorp, Inc. serves as a bank holding company, offering a comprehensive array of commercial banking services.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 0.09%, SMA50 11.23%, SMA200 24.35%). The stock’s 14-day RSI is 62.36 (firm momentum), while the ATR of 0.83 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -4.3% below its high and over 59.5% above its low.

Valuation Metrics

Stellar Bancorp, Inc. trades at a P/E ratio of 19.18, slightly below the S&P 500 average, with a price-to-sales ratio of 3.38 and a price-to-book ratio of 1.2 suggesting the stock is closer to book value. The P/FCF stands at 17.02, also below market averages.

Dividend & Fair Value

Stellar Bancorp, Inc. last paid a dividend of 0.59 per share, this equals a trailing yield of roughly 2.0%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $72.00. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Stellar Bancorp, Inc. generated EPS of $1.99 over the past year. Five-year average earnings growth is 13.32%. The latest quarter delivered EPS of $0.58. The next quarter is forecast at $0.49. Next year's EPS is expected at -$20.76. Analyst sentiment is neutral. Analyst rating data shows there are 1 Strong Buy ratings, 0 Buy ratings, 3 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $44.00 to $30.00. The high target offers 11.9% upside. The low target suggests -23.7% downside. The mean target is $34.75. This offers -11.62% upside. Stellar Bancorp, Inc. earnings surprise history is a mixed track record. The quarter that ended April 28, 2026, missed forecasts by 16.0%. The prior quarter beat by -0.78%. Over the last six quarters, Apple has recorded several small beats. These include 8.33% in January 30, 2025.

Shareholding & Insider Activity

Stellar Bancorp, Inc. has 51.35 million shares outstanding. The public float is 46.50 million shares, elevated short interest at 3.14% of float. This equals 1.22 million shares. The short ratio is 3.91 days. Institutional investors hold 74.51% of the float. Insiders own 10.04%. Williams John E Jr holds 1.28 million shares, Penland Joe Sr has 577.86 thousand shares and Swinbank Joe B has 199.73 thousand shares.

Financial & Profitability Overview

Over the trailing twelve months, Stellar Bancorp generated $461.32M in revenue, or $8.65 per share. Gross margin was 128.07%, operating margin 35.09%, and net profit margin 28.29%. Returns are modest, with ROA at 1.23% and ROE at 8.58%.
On valuation metrics, Stellar Bancorp trades at a P/E of 19.18, P/S of 3.38 and P/B of 1.20. Liquidity is tight, with a current ratio of 0.23 and quick ratio of 0.23. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 11.81 days. Debt-to-equity is 0.11, supported by a cash flow-to-debt ratio of 0.68.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Stellar Bancorp posted revenue of $461.32M, down slightly from $309.31M in the prior quarter. Gross profit was $590.82M (margin 128.07%). Operating income was $161.88M (margin 35.1%). Net income was$130.50M (EPS $2.45).
The company ended the quarter with $1.52B in cash and short-term investments, a total debt of $159.77M, and net debt of - $239.47M. Total assets were $10.65B, with equity of $1.52B. Financials further reflected stability, with operating cash flow of $168.22M, free cash flow of $161.36M, and capital expenditures of - $6.86M.

Price Forecast & Outlook

Our AI price prediction model suggests that Stellar Bancorp, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 2.67%, with price expected at $40.37 by July 14, 2026, within a range of $39.80 to $40.94 3-Month Outlook: Projected rise of 10.27%, reaching $43.36 by September 28, 2026, with a range of $41.41 to $45.22. 1-Year Outlook: Projected gain of 9.54%, with price at $43.07 by June 30, 2027, within a range of $42.16 to $43.90.

Key Takeaways

Stellar Bancorp, Inc. (NYSE:STEL) shares are flat 3.01% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Stellar Bancorp, Inc. trading at a premium to the broader market with a P/E of 19.18. Analyst sentiment is bullish, with the majority of ratings in Outperform territory and a mean price target of $31.71, suggesting -19.35% downside. Our AI forecast model points to short-term strength (2.67% over two weeks), a medium-term rise (10.27% over three months), and a longer-term gain (9.54% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Stellar Bancorp, Inc. (STEL) stock price?

Stellar Bancorp, Inc. (NYSE: STEL) stock price is $39.32 in the last trading session. During the trading session, STEL stock reached the peak price of $39.32 while $38.79 was the lowest point it dropped to. The percentage change in STEL stock occurred in the recent session was 0.03% while the dollar amount for the price change in STEL stock was $0.01.

STEL's industry and sector of operation?

The NYSE listed STEL is part of Banks - Regional industry that operates in the broader Financial Services sector. Stellar Bancorp, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of STEL?

Mr. Ramon A. Vitulli III
Pres
Mr. Okan I. Akin
Chief Risk Officer
Mr. Paul P. Egge
Senior EVice President & Chief Financial Officer
Mr. Robert R. Franklin Jr.
Chief Executive Officer & Director
Courtney Theriot
Executive Vice President & Chief Accounting Officer
Mr. Steven F. Retzloff
Executive Chairman
Mr. Justin M. Long Esq.
Senior EVice President, Gen. Counsel & Corporation Sec.
Mr. Joe F. West
Senior EVice President & Chief Credit Officer
Mr. Travis L. Jaggers
Pres of Stellar Bank

How STEL did perform over past 52-week?

STEL's closing price is 39.33% higher than its 52-week low of $28.22 where as its distance from 52-week high of $40.21 is -2.21%.

How many employees does STEL have?

Number of STEL employees currently stands at 1,054.

Link for STEL official website?

Official Website of STEL is: https://ir.stellarbancorpinc.com

How do I contact STEL?

STEL could be contacted at phone 713 210 7600 and can also be accessed through its website. STEL operates from 9 Greenway Plaza, Houston, TX 77046, United States.

How many shares of STEL are traded daily?

STEL stock volume for the day was 1.89M shares. The average number of STEL shares traded daily for last 3 months was 466.99K.

What is the market cap of STEL currently?

The market value of STEL currently stands at $2.00B with its latest stock price at $39.32 and 50.92M of its shares outstanding.

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Employees	1054
Beta	0.71
Sales or Revenue	$461.32M
5Y Sales Change%	0.932%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

STEL Company Profile and Key Details

Stellar Bancorp

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Financial & Profitability Overview

Quarterly Financial Highlights

Valuation Metrics

Key Takeaways

Price Forecast & Outlook