Stellar Bancorp, Inc. (STEL)

Stellar Bancorp Statistics

Total Valuation

Stellar Bancorp has a market cap or net worth of $1.89 billion. The enterprise value is $1.51 billion.

Market Cap	1.89B
Enterprise Value	1.51B

Important Dates

The last earnings date was Wednesday, January 28, 2026, before market open.

Earnings Date	Jan 28, 2026
Ex-Dividend Date	Dec 15, 2025

Share Statistics

Stellar Bancorp has 50.76 million shares outstanding. The number of shares has decreased by -3.19% in one year.

Current Share Class	50.76M
Shares Outstanding	50.76M
Shares Change (YoY)	-3.19%
Shares Change (QoQ)	-0.37%
Owned by Insiders (%)	9.44%
Owned by Institutions (%)	62.20%
Float	45.93M

Valuation Ratios

The trailing PE ratio is 18.68 and the forward PE ratio is 17.23.

PE Ratio	18.68
Forward PE	17.23
PS Ratio	4.65
Forward PS	4.27
PB Ratio	1.13
P/TBV Ratio	1.71
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.64
EV / Sales	3.64
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.28%.

Return on Equity (ROE)	6.28%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.35%
Revenue Per Employee	$403,961
Profits Per Employee	$100,559
Employee Count	1,023
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Stellar Bancorp has paid $24.91 million in taxes.

Income Tax	24.91M
Effective Tax Rate	19.49%

Stock Price Statistics

The stock price has increased by +29.77% in the last 52 weeks. The beta is 0.78, so Stellar Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+29.77%
50-Day Moving Average	32.04
200-Day Moving Average	29.80
Relative Strength Index (RSI)	76.99
Average Volume (20 Days)	421,825

Short Selling Information

The latest short interest is 829,637, so 1.63% of the outstanding shares have been sold short.

Short Interest	829,637
Short Previous Month	736,360
Short % of Shares Out	1.63%
Short % of Float	1.81%
Short Ratio (days to cover)	3.41

Income Statement

In the last 12 months, Stellar Bancorp had revenue of $413.25 million and earned $102.87 million in profits. Earnings per share was $1.99.

Revenue	413.25M
Gross Profit	413.25M
Operating Income	155.55M
Pretax Income	127.78M
Net Income	102.87M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.99

Balance Sheet

The company has $419.45 million in cash and $40.23 million in debt, with a net cash position of $379.23 million or $7.47 per share.

Cash & Cash Equivalents	419.45M
Total Debt	40.23M
Net Cash	379.23M
Net Cash Per Share	$7.47
Equity (Book Value)	1.67B
Book Value Per Share	32.78
Working Capital	-8.57B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.64%
Pretax Margin	30.92%
Profit Margin	24.89%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.60, which amounts to a dividend yield of 1.62%.

Dividend Per Share	$0.60
Dividend Yield	1.62%
Dividend Growth (YoY)	7.55%
Years of Dividend Growth	2
Payout Ratio	28.68%
Buyback Yield	3.19%
Shareholder Yield	4.81%
Earnings Yield	5.46%
FCF Yield	n/a

Analyst Forecast

The average price target for Stellar Bancorp is $31.33, which is -15.64% lower than the current price. The consensus rating is "Hold".

Price Target	$31.33
Price Target Difference	-15.64%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2