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

$36.62

-0.18-0.49%

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 declined over -0.49%, trading at $36.62 on NYSE, down from the previous close of $36.80. The stock opened at $36.45, fluctuating between $36.26 and $36.84 in the recent session.

Stock Snapshot

36.8

Prev. Close

1.86B

Market Cap

36.26

Day Low

18.4

P/E Ratio

1.99

EPS (TTM)

3.03

Cash Flow per Share

36.45

Open

50.77M

Number of Shares

36.84

Day High

90.54%

Free Float in %

28.59

Book Value

189.86K

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
Apr 02, 2026	36.40	36.84	36.26	36.62	222.24K
Apr 01, 2026	36.76	37.15	36.74	36.80	478.26K
Mar 31, 2026	36.39	36.80	36.22	36.61	426.76K
Mar 30, 2026	36.23	36.23	35.84	36.02	181.85K
Mar 27, 2026	36.08	36.26	35.81	35.84	181.34K
Mar 25, 2026	36.60	36.76	36.04	36.25	198.9K
Mar 24, 2026	35.79	36.71	35.79	36.25	196.1K
Mar 23, 2026	36.31	36.55	35.85	36.14	338.92K
Mar 20, 2026	35.62	35.62	35.27	35.57	759.44K
Mar 19, 2026	35.05	35.71	34.99	35.55	300.21K
Mar 18, 2026	35.51	35.56	35.28	35.34	535.13K
Mar 17, 2026	35.78	35.99	35.36	35.57	243.02K
Mar 16, 2026	35.69	35.94	35.53	35.54	449.63K
Mar 13, 2026	35.88	35.92	35.51	35.51	235.74K
Mar 12, 2026	35.33	36.01	35.33	35.73	318.78K
Mar 11, 2026	36.24	36.26	35.84	35.94	310.41K
Mar 10, 2026	36.55	37.09	36.34	36.39	441.72K
Mar 09, 2026	36.47	36.97	36.00	36.61	345.77K
Mar 06, 2026	36.56	37.10	36.21	37.00	436.95K
Mar 03, 2026	37.23	37.63	36.90	37.52	538.68K

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

2.82+0.37%

U.S. Bancorp PERP PFD SER A$757.51 BAP

-1.28-0.38%

Credicorp Ltd.$339.98 PNC

2.46001+1.18%

The PNC Financial Services Group, Inc.$211.70 MTB

1.18+0.56%

M&T Bank Corporation$210.16 CUBI-PE

-0.70221-0.34%

Customers Bancorp, Inc.$205.87 NIC

-0.69-0.46%

Nicolet Bankshares, Inc.$148.90 CFR

-0.08-0.06%

Cullen/Frost Bankers, Inc.$138.57 KB

-1.23-1.22%

KB Financial Group Inc.$99.60 SSB

0.3+0.32%

SouthState Corporation$93.91 CMA

-4.19-4.51%

Comerica Incorporated$88.67

Company Overview

Stellar Bancorp, Inc. (NYSE:STEL) closed at $36.62 USD, losing -$0.18 (-0.49%) from the previous close of $36.80. The stock is currently mid-range between its 52-week high and low $24.27 and $40.21. With a market capitalization of about $1.86 billion, Stellar Bancorp, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.77). Key stats such as the average daily volume over the past year has been around 549.21 thousand shares, volume is running light vs its 52-week average. 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 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. Average 10-day trading volume of 281.56 thousand shares is below the 3-month average of 541.10 thousand, indicating normal recent market interest.

Valuation Metrics

Stellar Bancorp, Inc. trades at a P/E ratio of 18.18, slightly below the S&P 500 average, with a price-to-sales ratio of 3.12 and a price-to-book ratio of 1.12 suggesting the stock is closer to book value. The P/FCF stands at 19.58, also above market averages.

Dividend & Fair Value

Stellar Bancorp, Inc. last paid a dividend of 0.58 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 $68.93. 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 20.15% upside. The low target suggests -18.08% downside. The mean target is $34.75. This offers -5.11% 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 18.18, P/S of 3.12 and P/B of 1.12. The current ratio is 31.79 and quick ratio is 31.79. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 10.97 days. Debt-to-equity is 0.02, supported by a cash flow-to-debt ratio of 2.41.

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 2.59%, with price expected at $37.57 by April 16, 2026, within a range of $37.00 to $38.15 3-Month Outlook: Projected rise of 8.93%, reaching $39.89 by July 01, 2026, with a range of $38.57 to $41.23. 1-Year Outlook: Projected gain of 13.93%, with price at $41.72 by April 02, 2027, within a range of $40.78 to $42.88.

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 18.18. Analyst sentiment is bullish, with the majority of ratings in Outperform territory and a mean price target of $31.71, suggesting -13.41% downside. Our AI forecast model points to short-term strength (2.59% over two weeks), a medium-term rise (8.93% over three months), and a longer-term gain (13.93% 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 $36.62 in the last trading session. During the trading session, STEL stock reached the peak price of $36.84 while $36.26 was the lowest point it dropped to. The percentage change in STEL stock occurred in the recent session was -0.49% while the dollar amount for the price change in STEL stock was - $0.18.

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 51.79% higher than its 52-week low of $24.27 where as its distance from 52-week high of $40.21 is -8.93%.

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 189.86K shares. The average number of STEL shares traded daily for last 3 months was 549.21K.

What is the market cap of STEL currently?

The market value of STEL currently stands at $1.86B with its latest stock price at $36.62 and 50.77M of its shares outstanding.

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Employees	1054
Beta	0.77
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

Company Overview

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Dividend & Fair Value

Valuation Metrics

Price Forecast & Outlook

Key Takeaways