Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Stock Forecast

Stock Price Forecast

According to 3 analysts polled by S&P Global, Stellar Bancorp stock has a consensus rating of "Hold" and an average price target of $38. The average 1-year stock price forecast is 1.77% higher than the current stock price, while the lowest is $32 (-14.30%) and the highest is $44 (+17.84%).

Price Target: $38 (+1.77%)

Analyst Consensus: Hold

Target	Low	Average	Median	High
Price	$32	$38	$38	$44
Change	-14.30%	+1.77%	+1.77%	+17.84%

* Price targets were last updated on Feb 3, 2026.

Analyst Ratings

The average analyst rating for Stellar Bancorp stock is "Hold". This means that analysts believe this stock is likely to perform similarly to the overall market.

Recommendation Trends

Rating	Apr '25	Jul '25	Oct '25	Dec '25	Jan '26	Feb '26
Strong Buy	0	0	0	0	0	0
Buy	1	1	1	1	0	1
Hold	4	4	4	4	3	2
Sell	0	0	0	0	0	0
Strong Sell	0	0	0	0	0	0
Total	5	5	5	5	3	3

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Catherine Mealor KBW	KBW	Buy Upgrades $33 → $44	Buy	Upgrades	$33 → $44	+17.84%	Feb 3, 2026
David Feaster Raymond James	Raymond James	Hold Downgrades n/a	Hold	Downgrades	n/a	n/a	Jan 29, 2026

Financial Forecast

Revenue This Year

455.00M

Increased by 10.10%

from 413.25M

Revenue Next Year

479.45M

Increased by 5.37%

from 455.00M

EPS This Year

2.20

Increased by 10.88%

from 1.99

EPS Next Year

2.44

Increased by 10.88%

from 2.20

Fiscal Year	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026	FY 2027
Period Ending	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026	Dec 31, 2027
Revenue	239.45M	258.60M	452.38M	433.92M	413.25M	455.00M	479.45M
Revenue Growth	30.51%	8.00%	74.93%	-4.08%	-4.76%	10.10%	5.37%
EPS	2.82	1.47	2.45	2.15	1.99	2.20	2.44
EPS Growth	80.77%	-47.87%	66.67%	-12.25%	-7.55%	10.88%	10.88%
Forward PE	-	-	-	-	-	16.94	15.28
No. Analysts	-	-	-	-	-	6	6

Historical EPS numbers are GAAP, while forecasted numbers may be non-GAAP.

Revenue Forecast

Revenue	2026	2027
High	471.7M	500.3M
Avg	455.0M	479.5M
Low	434.3M	457.3M

Revenue Growth

Revenue Growth	2026	2027
High	14.1%	10.0%
Avg	10.1%	5.4%
Low	5.1%	0.5%

EPS Forecast

EPS	2026	2027
High	2.33	2.56
Avg	2.20	2.44
Low	2.06	2.30

EPS Growth

EPS Growth	2026	2027
High	17.4%	16.2%
Avg	10.9%	10.9%
Low	3.5%	4.5%

Sources: Price targets and consensus ratings provided by S&P Global Market Intelligence. Historical ratings and analyst data provided by TipRanks. Revenue and EPS forecast data provided by Finnhub. The data is sourced from Wall Street analysts. Data sources.