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 1.12% lower than the current stock price, while the lowest is $32 (-16.73%) and the highest is $44 (+14.49%).

Price Target: $38 (-1.12%)

Analyst Consensus: Hold

Target	Low	Average	Median	High
Price	$32	$38	$38	$44
Change	-16.73%	-1.12%	-1.12%	+14.49%

* 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	+14.49%	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

443.14M

from 423.80M

4.56%

from 423.80M

Revenue Next Year

462.61M

from 443.14M

4.39%

from 443.14M

EPS This Year

2.16

from 1.99

8.54%

from 1.99

EPS Next Year

2.35

from 2.16

8.68%

from 2.16

Fiscal Year	FY 2025	FY 2026
Period Ending	Dec 31, 2025	Dec 31, 2026
Revenue	423.80M	443.14M
Revenue Growth	-1.75%	4.56%
Gross Profit	17.80M	18.48M
Gross Margin	4.20%	4.17%
Operating Income	137.94M	151.27M
Net Income	102.87M	110.69M
EPS	1.99	2.16
EPS Growth	-9.55%	8.54%
Forward PE	-	17.79
Dividend / Share	0.57	0.61
Dividend Growth	7.55%	7.02%
No. Analysts	-	1

EPS and Forward PE are based on non-GAAP adjusted numbers.

Revenue Forecast

Revenue	2026	2027
High	443.1M
Avg	443.1M
Low	443.1M

Revenue Growth

Revenue Growth	2026	2027
High	4.6%
Avg	4.6%
Low	4.6%

EPS Forecast

EPS	2026	2027
High	-
Avg	2.16
Low	-

EPS Growth

EPS Growth	2026	2027
High	-
Avg	8.5%
Low	-