Stellar Bancorp, Inc. (STEL)

Financials · Regional Banking · NYSE

A Texas-based regional bank operating through Stellar Bank, offering commercial and consumer banking services with significant exposure to commercial real estate lending.

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What Stellar Bancorp, Inc. does

Stellar Bancorp, Inc. is a regional bank holding company headquartered in Texas with a wholly owned banking subsidiary, Stellar Bank, a Texas banking association. The company provides traditional banking services including lending, deposit products, and other financial services to customers in its market area. The company is undergoing a proposed transaction with Prosperity.

Themes: Regional banking, Commercial real estate, Texas banking, Deposit gathering

Fundamentals

Price$39.32 as of 2026-07-01 close
Market cap$2.0B as of 2026-07-01
1-year return+36.1% 2025-07-01 close $28.90 → 2026-07-01 close $39.32
P/E19.04 as of 2026-09-02
Net margin+22.2% as of 2026-09-02
ROE+6.4% as of 2026-09-02
Debt / equity0.11 as of 2026-09-02
Beta-0.19 as of 2026-09-02
Last reported earnings2026-04-28 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +1.5%; 6-year non-decreasing per-share dividend streak (SEC XBRL).

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How STEL compares in its sector

price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-09-02
net profit marginmiddle range 538 covered Financials peers, as of 2026-09-02
operating marginmiddle range 534 covered Financials peers, as of 2026-09-02
return on equitybottom 25% 575 covered Financials peers, as of 2026-09-02
indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-09-02
free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, STEL's dividend was covered by reported results (earnings payout 28%, free-cash-flow payout 32%). This describes past coverage, not a forecast.

Earnings payout28% dividends / net income
Free-cash-flow payout32% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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Analyst consensus

Consensus ratingBuy (2.50 mean, 1=Strong Buy…5=Strong Sell)

Analyst estimates, as of 2026-08-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for STEL

Consensus EPS estimate$0.56 next reporting period, as of 2026-08-16

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["High concentration in commercial real estate and commercial real estate construction lending exposes the company to credit losses if collateral values decline or the real estate market deteriorates","Geographic concentration risk in Texas market could amplify exposure to local economic conditions, natural disasters, and adverse weather events","Proposed acquisition by Prosperity creates uncertainty regarding regulatory approval, deal completion timing, and integration execution risks"]

See STEL's biggest risks from its latest 10-Q →

Insider activity (SEC Form 4)

No open-market insider purchases or sales are on record for STEL — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.

View full insider trading history → View SEC Form 3/4/5 filings

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Short interest (FINRA)

STEL had 772,887 shares of reported short interest as of the 2026-06-30 FINRA settlement date (delayed, bi-monthly; not real-time).

STEL had 1.52% of its shares outstanding sold short as of the 2026-06-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1 days to cover at the same settlement.

Reported short interest (shares) 772,887
Short interest (% of shares outstanding) 1.52%
Prior settlement (shares) 730,769
Reported change 5.76%
Days to cover (reported) 1

Reported to FINRA as of the 2026-06-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does Stellar Bancorp, Inc. (STEL) do?

What sector is Stellar Bancorp, Inc. (STEL) in?

Stellar Bancorp, Inc. (STEL) is classified in the Financials sector. Its industry is Regional Banking. It trades on NYSE.

Does STEL pay a dividend?

Yes — Stellar Bancorp, Inc. (STEL) pays a dividend, with an indicated yield of about 1.53% and 6-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-02). Informational only — not financial advice.

Who are Stellar Bancorp, Inc.'s (STEL) competitors?

Notable peers of Stellar Bancorp, Inc. (STEL) include Prosperity Bancshares, Cullen/Frost Bankers, Southside Bancshares, Texas Capital Bancshares and Independent Bank Group. This peer set is informational only — not financial advice.

Where does stocks-llm's data on STEL come from?

Fundamentals and prices come from market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-09-02. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-07-01.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.