STEL · the NYSE · USD · Market cap $2.0B · 1,053 employees
Stellar Bancorp, Inc.
FAIL · Does not pass the screen
39.32 USD
At the last full screen 2026-08-19
Screened 2026-08-19 · the tape above runs as of 22:12 UTC · 11 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Stellar Bancorp, Inc. holds its Markdown at $39.32. Consolidating, no directional conviction, held for 83 days.
As held on the ledger · 2026-08-19
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 83 days
Price at the screen
$39.32
Valuation
19.09 trailing · 16.75 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.71
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-08-19 screen. The gold marker is the market price at the same screen. The price runs 26.6% above the base estimate.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-08-19 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Banks move the money but fail our screen
Every time a local firm deposits its takings or draws a loan to expand, the cash flows through a regional bank like this. The business shows steady revenue growth at 7 percent and a solid 25 percent profit margin, yet it fails the ethical screen outright because it sits in banking. We pass for that single reason, regardless of the other numbers.
Forward earnings sit at 16.7 times while return on equity runs at just 6 percent and the shares trade well above our fair value. Low returns on equity in a cyclical sector often signal that peak earnings are already in the price rather than a genuine bargain. Currency and rate swings add further pressure that the market has not fully priced.
Valuation leaves little margin of safety and the ethical block stands firm. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
STEL trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-13Markdown$39.32+1.2%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 40%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (2 analysts) rates it none, with a mean price target of $38.
2026-07-18Markdown$38.87+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 12% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 40%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (2 analysts) rates it none, with a mean price target of $38.
2026-07-03Markdown$38.87+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markdown$38.87Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.