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Stellar Bancorp

NYQ:STEL · US8589271068
BanksSmall

360

9
Profit price25
Cash yield53
Price/Sales17
EV / Gross Profit62
Price/Book42
Returns on capital44
Profit margins—
Cash Conversion49
Accruals23
Owner Earnings Margin54
Sales growth12
Profit Growth72
Owner Earnings Growth18
Reinvestment24
Price momentum64
Debt load62
Debt serviceability51
Liquidity78
Analyst ratings4
Opinion Changes50
Price Target Upside14
Market mood81
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Stellar Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Websiteir.stellar.bank/overview/default.aspx
ISINUS8589271068
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (USA)
Themes
BankingFinancial Services

Description

Stellar Bancorp, Inc. operates as the bank holding company for Stellar Bank that provides a diversified range of commercial banking services primarily to small- to medium-sized businesses. The company refers to the Houston-The Woodlands-Sugar Land m…

Analysis

Hope premium

Stellar Bancorp, Inc. is priced well ahead of what the underlying numbers justify, a pattern we describe as a hope premium.

On valuation, the picture is attractive. The owner-earnings multiple stands at 15.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
36
2023202420252026

All-time high

45

Jan 2023

All-time low

8

Mar 2026

Average rank

22

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
17
30
34
68
Price/Earnings
7
9
30
5
Price/Book
42
64
51
30
Dividend Yield
53
30
32
29
Value (overall)
13
19
21
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →