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Stellar Bancorp, Inc. STEL

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Price alert · STEL

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39.32 USD 0.00 0.00%

At close · Jun 30

39.69 +0.37 +0.94%

After hours · Jun 30, 4:05 PM ET

Bid
39.61 × 100
Ask
39.64 × 200
38.79 Day range 39.32
28.95 52-week range 40.21
YTD
+27.08%
1 year
+40.03%
Open
39.25
Prev close
39.32
Mkt cap
2.00B
Vol
1.89M
Avg vol
796.50K
EPS
2.05
P/E
19.18
Div yield
0.00%
More statistics
Low
38.79
High
39.32
Beta
0.71
Inst. own
67.03%
Dividend
0.59
Earnings
Jul 24, 2026

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Financial health

Altman Z-Score

-0.46 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 15.5×
FY 2016: 23.0×FY 2017: 24.1×FY 2018: 15.5×FY 2019: 15.3×FY 2020: 24.1×FY 2021: 10.2×FY 2022: 19.9×FY 2023: 11.4×FY 2024: 13.2×FY 2025: 15.5×
FY 2016 5y median 13.2× FY 2025
P/S 2.7×
FY 2016: 5.1×FY 2017: 5.1×FY 2018: 4.9×FY 2019: 4.5×FY 2020: 3.0×FY 2021: 3.2×FY 2022: 3.0×FY 2023: 2.4×FY 2024: 2.4×FY 2025: 2.7×
FY 2016 5y median 2.7× FY 2025
P/B 1.0×
FY 2016: 1.8×FY 2017: 1.5×FY 2018: 1.5×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 17.3×
FY 2016: 17.4×FY 2017: 18.7×FY 2018: 15.2×FY 2019: 14.5×FY 2020: 13.7×FY 2021: 8.0×FY 2022: 9.7×FY 2023: 9.2×FY 2024: 11.9×FY 2025: 17.3×
FY 2016 5y median 9.7× FY 2025
EV/EBITDA 7.8×
FY 2016: 6.4×FY 2017: 7.2×FY 2018: 5.6×FY 2019: 7.0×FY 2020: 4.2×FY 2021: 2.7×FY 2022: 10.7×FY 2023: 6.3×FY 2024: 3.8×FY 2025: 7.8×
FY 2016 5y median 6.3× FY 2025
EV/Sales 2.0×
FY 2016: 2.3×FY 2017: 2.7×FY 2018: 2.4×FY 2019: 2.8×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 2.4×FY 2023: 2.0×FY 2024: 1.1×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
FCF Yield 5.8%
FY 2016: 5.7%FY 2017: 5.4%FY 2018: 6.6%FY 2019: 6.9%FY 2020: 7.3%FY 2021: 12.6%FY 2022: 10.3%FY 2023: 10.9%FY 2024: 8.4%FY 2025: 5.8%
FY 2016 5y median 10.3% FY 2025

Profitability

Gross Margin 69.3%
FY 2016: 89.5%FY 2017: 93.4%FY 2018: 93.7%FY 2019: 88.4%FY 2020: 73.4%FY 2021: 91.5%FY 2022: 75.3%FY 2023: 73.5%FY 2024: 69.4%FY 2025: 69.3%
FY 2016 5y median 73.5% FY 2025
Operating Margin 21.4%
FY 2016: 31.7%FY 2017: 34.1%FY 2018: 39.4%FY 2019: 36.4%FY 2020: 22.4%FY 2021: 38.2%FY 2022: 18.2%FY 2023: 26.3%FY 2024: 23.2%FY 2025: 21.4%
FY 2016 5y median 23.2% FY 2025
Net Margin 17.3%
FY 2016: 22.0%FY 2017: 21.3%FY 2018: 31.8%FY 2019: 29.6%FY 2020: 18.2%FY 2021: 31.2%FY 2022: 15.0%FY 2023: 21.2%FY 2024: 18.4%FY 2025: 17.3%
FY 2016 5y median 18.4% FY 2025
ROE 6.2%
FY 2016: 7.6%FY 2017: 6.2%FY 2018: 9.7%FY 2019: 9.4%FY 2020: 8.3%FY 2021: 10.0%FY 2022: 3.7%FY 2023: 8.6%FY 2024: 7.2%FY 2025: 6.2%
FY 2016 5y median 7.2% FY 2025
ROIC 1.0%
FY 2016: 6.6%FY 2017: 5.8%FY 2018: 9.2%FY 2019: 8.1%FY 2020: 7.0%FY 2021: 7.7%FY 2022: 3.2%FY 2023: 7.4%FY 2024: 6.5%FY 2025: 1.0%
FY 2016 5y median 6.5% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 1.4%FY 2019: 1.5%FY 2020: 1.2%FY 2021: 1.1%FY 2022: 0.5%FY 2023: 1.2%FY 2024: 1.1%FY 2025: 1.0%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -4.7%
FY 2016: 5.2%FY 2017: 4.5%FY 2018: 15.1%FY 2019: 14.7%FY 2020: 46.5%FY 2021: 4.7%FY 2022: 31.2%FY 2023: 79.2%FY 2024: 1.6%FY 2025: -4.7%
FY 2016 FY 2025
Operating Income -11.9%
FY 2016: 12.3%FY 2017: 12.3%FY 2018: 33.2%FY 2019: 5.9%FY 2020: -9.9%FY 2021: 78.5%FY 2022: -37.4%FY 2023: 158.9%FY 2024: -10.5%FY 2025: -11.9%
FY 2016 FY 2025
EPS (diluted) -7.4%
FY 2016: 13.0%FY 2017: 0.0%FY 2018: 54.9%FY 2019: 6.9%FY 2020: -47.5%FY 2021: 166.0%FY 2022: -47.9%FY 2023: 66.7%FY 2024: -12.2%FY 2025: -7.4%
FY 2016 FY 2025
Free Cash Flow -27.6%
FY 2016: 20.0%FY 2017: -1.3%FY 2018: 34.9%FY 2019: 11.6%FY 2020: 0.5%FY 2021: 93.9%FY 2022: 0.8%FY 2023: 53.3%FY 2024: -20.7%FY 2025: -27.6%
FY 2016 FY 2025

Financial Health

Current Ratio 31.8×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 31.8×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 31.8×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 31.8×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.0×
FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -2.4×
FY 2016: -7.9×FY 2017: -6.6×FY 2018: -6.0×FY 2019: -4.5×FY 2020: -7.4×FY 2021: -5.1×FY 2022: -2.6×FY 2023: -1.2×FY 2024: -4.8×FY 2025: -2.4×
FY 2016 5y median -2.6× FY 2025
Interest Coverage 0.7×
FY 2016: 4.7×FY 2017: 5.0×FY 2018: 5.3×FY 2019: 3.6×FY 2020: 1.4×FY 2021: 4.1×FY 2022: 1.8×FY 2023: 1.1×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.7%FY 2019: 1.1%FY 2020: 1.3%FY 2021: 1.2%FY 2022: 1.5%FY 2023: 1.9%FY 2024: 1.9%FY 2025: 1.8%
FY 2016 5y median 1.8% FY 2025
Payout Ratio 28.5%
FY 2016: 16.2%FY 2017: 16.0%FY 2018: 10.5%FY 2019: 17.3%FY 2020: 21.9%FY 2021: 11.9%FY 2022: 29.9%FY 2023: 21.2%FY 2024: 24.6%FY 2025: 28.5%
FY 2016 5y median 24.6% FY 2025

Annual · latest fiscal year ends 2025-12-31