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

$37.88

0.46+1.23%

At Close 4:00 PM

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 +1.23%, trading at $37.88 on NYSE, up from the previous close of $37.42. The stock opened at $38.38, fluctuating between $37.52 and $38.40 in the recent session.

Stock Snapshot

37.42

Prev. Close

1.94B

Market Cap

37.52

Day Low

19.04

P/E Ratio

1.99

EPS (TTM)

3.03

Cash Flow per Share

38.38

Open

51.19M

Number of Shares

38.4

Day High

90.54%

Free Float in %

28.59

Book Value

1.07M

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
Feb 03, 2026	38.38	38.38	37.52	37.88	1.07M
Feb 02, 2026	37.23	37.53	37.00	37.42	2.28M
Jan 30, 2026	36.65	37.42	36.65	37.14	784.07K
Jan 29, 2026	36.23	37.09	36.23	36.88	1.29M
Jan 28, 2026	36.15	36.78	35.50	36.42	2.98M
Jan 27, 2026	32.57	33.10	32.49	32.63	253.28K
Jan 26, 2026	32.46	32.81	31.96	32.55	193.3K
Jan 23, 2026	33.52	33.76	32.22	32.56	267.58K
Jan 22, 2026	33.43	33.94	33.43	33.62	167.26K
Jan 21, 2026	32.03	33.63	32.03	33.48	228.52K
Jan 20, 2026	32.03	32.35	31.75	31.87	148.95K
Jan 16, 2026	32.56	32.85	32.41	32.46	147.98K
Jan 15, 2026	32.15	32.84	32.15	32.77	283.2K
Jan 14, 2026	31.34	32.21	31.34	32.16	124.7K
Jan 13, 2026	31.67	31.72	31.43	31.58	96.57K
Jan 12, 2026	31.28	31.96	31.19	31.62	178.89K
Jan 09, 2026	32.02	32.06	31.54	31.62	123.64K
Jan 08, 2026	31.08	32.19	31.08	32.03	133.89K
Jan 07, 2026	31.45	31.49	31.02	31.34	142.38K
Jan 06, 2026	30.62	31.63	30.62	31.44	270.41K

Contact Details

Houston, TX 77046

United States

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

About Company

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.

Stock Peers

USB-PA

-3.4-0.44%

U.S. Bancorp PERP PFD SER A$777.60 BAP

7.34+2.00%

Credicorp Ltd.$375.25 PNC

6.19+2.72%

The PNC Financial Services Group, Inc.$233.82 MTB

2.58+1.14%

M&T Bank Corporation$228.12 CUBI-PE

-0.70221-0.34%

Customers Bancorp, Inc.$205.87 NIC

1.11+0.75%

Nicolet Bankshares, Inc.$149.66 CFR

1.5+1.08%

Cullen/Frost Bankers, Inc.$140.56 SSB

0.94+0.91%

SouthState Corporation$103.91 BMA

-0.75-0.75%

Banco Macro S.A.$98.78 AX

-0.64-0.65%

Axos Financial, Inc.$97.78

Company Overview

Stellar Bancorp, Inc. (NYSE:STEL) closed at $37.88 USD, gaining $0.46 (1.23%) from the previous close of $37.42. The stock is currently within 5% of its 52-week high $24.12 and $38.38. With a market capitalization of about $1.94 billion, Stellar Bancorp, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.78). Key stats such as the average daily volume over the past year has been around 344.26 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 1,054 people and listed since November 08, 2017. 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.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 13.16%, SMA50 17.11%, SMA200 26.61%). The stock’s 14-day RSI is 79.1 (overbought), while the ATR of 0.95 points to higher daily volatility. The stock remains currently trading near 52-week highs, trading 0.93% below its high and over 57.02% above its low. Average 10-day trading volume of 1.27 million shares is significantly above the 3-month average of 338.52 thousand, indicating heightened recent market interest.

Valuation Metrics

Stellar Bancorp, Inc. trades at a P/E ratio of 18.82, slightly below the S&P 500 average, with a price-to-sales ratio of 3.53 and a price-to-book ratio of 1.16 suggesting the stock is closer to book value. The P/FCF stands at 23.4, also below market averages.

Dividend & Fair Value

Stellar Bancorp, Inc. last paid a dividend of 0.57 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 $63.21. 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 $0.50. 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 16.16% upside. The low target suggests -20.8% downside. The mean target is $34.75. This offers -8.26% upside. Stellar Bancorp, Inc. earnings surprise history is a mixed track record. The quarter that ended October 24, 2025, missed forecasts by -0.04%.

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 70.16% of the float. Insiders own 9.9%. 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 18.82, P/S of 3.53 and P/B of 1.16. Liquidity is tight, with a current ratio of 0.08 and quick ratio of 0.08. Debt-to-equity is 0.02, supported by a cash flow-to-debt ratio of 2.08.

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 12.8%, with price expected at $42.73 by February 17, 2026, within a range of $41.76 to $43.69 3-Month Outlook: Projected rise of 4.14%, reaching $39.45 by May 01, 2026, with a range of $38.32 to $40.63. 1-Year Outlook: Projected gain of 3.22%, with price at $39.10 by February 03, 2027, within a range of $37.90 to $40.07.

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 18.82. Analyst sentiment is bullish, with the majority of ratings in Outperform territory and a mean price target of $31.71, suggesting -16.29% downside. Our AI forecast model points to short-term strength (12.8% over two weeks), a medium-term rise (4.14% over three months), and a longer-term gain (3.22% 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 $37.88 in the last trading session. During the trading session, STEL stock reached the peak price of $38.40 while $37.52 was the lowest point it dropped to. The percentage change in STEL stock occurred in the recent session was 1.23% while the dollar amount for the price change in STEL stock was $0.46.

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 57.02% higher than its 52-week low of $24.13 where as its distance from 52-week high of $38.38 is -1.3%.

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 1.07M shares. The average number of STEL shares traded daily for last 3 months was 344.26K.

What is the market cap of STEL currently?

The market value of STEL currently stands at $1.94B with its latest stock price at $37.88 and 51.19M of its shares outstanding.

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Employees	1054
Beta	0.78
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

Technical Performance

Earnings & Analyst Outlook

Shareholding & Insider Activity

Dividend & Fair Value

Company Overview

Valuation Metrics

Price Forecast & Outlook

Key Takeaways