STEL$37.66
Chart
Performance
Key Stats
AI STEL Summary
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Powered by LiveAIOverall Analysis
BuyStellar Bancorp shows solid fundamental performance, particularly in profitability and balance sheet strength. Thematic alignment is moderate, and technicals suggest some recent weakness but remain in a long-term uptrend.
Thematic
Stellar Bancorp operates in the financial services sector, which is generally stable but does not have strong direct exposure to high-growth tech themes. Its performance is tied to broader economic conditions and interest rate environments.
Fundamental
Stellar Bancorp demonstrates robust profitability, a healthy balance sheet with strong cash reserves, and consistent dividend payments. Valuation metrics are reasonable, and revenue growth has been positive.
Technical
The stock is trading below key moving averages on short-term charts, indicating some recent bearish pressure. However, longer-term indicators like the 1-day chart still show some positive signals.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 70 |
| Economic Sensitivity | 50 |
| Regional Economic Exposure | 65 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 90 |
| Growth | 50 |
| Balance Sheet Health | 95 |
| Cash Flow | 85 |
| Dividends | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum | 65 |
| Volume Confirmation | 60 |
| Support & Resistance | 70 |
| Short-term Oscillators | 60 |
| Short-term Moving Averages | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Strong Cash Position
The company has a substantial cash and cash equivalents of $911,216,000 as of Q4 2024, indicating a strong ability to meet short-term obligations and invest in growth opportunities.
Consistent Dividend Payouts
The company has consistently paid dividends, with the latest payment of $0.14 in July 2025, showing a commitment to returning value to shareholders.
Bearish Points (7)
Short-Term Moving Average Sell Signals
On the 1-minute, 5-minute, 15-minute, 30-minute, and 1-hour charts, several moving averages (e.g., EMA 10, SMA 10) are indicating 'Sell' signals, suggesting short-term downward pressure.
Slowing Revenue Growth
Revenue growth has shown a declining trend, with $431,038,000 in 2024 compared to $461,321,000 in 2023, indicating potential market saturation or increased competition.
Calendar
June 2025
16
Ex-Dividend Date
June 2025
30
Next Dividend Date
July 2025
25
Next Earnings Date
H: $0.46
A: $0.45
L: $0.43
H: 106.67M
A: 104.92M
L: 103.73M
Profile
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.
Seasonals
Price Target
28.20 USD
The 39 analysts offering 1 year price forecasts for STEL have a max estimate of 29.00 and a min estimate of 27.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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