STEL | Ticker Profile - Titan Protect

STEL

Stellar Bancorp, Inc.

Financial Services · Banks - Regional · NYQ

$37.59

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.9B

Total market value of the company

Trailing P/E

18.12

Reasonably valued

Forward P/E

15.90

Based on estimated future earnings — lower means cheaper

Rev Growth

+7.3%

Year-over-year revenue change

Profit Margin

25.0%

How much profit the company keeps from each dollar of revenue

ROE

6.4%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$38.00

+1% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Stellar Bancorp, Inc.

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 provides 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 offers 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 provides 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.

https://www.stellar.bank

Country: United States Employees: 1,053 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

1.152

Excellent risk-adjusted returns

Kelly Fraction

0.0861

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.569

Returns exceed worst-case losses — strong risk profile

Annual Return

33.2%

Historical annualised return based on price data

Max Drawdown

-21.2%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.73

Less volatile than the market — more defensive

52W High

$40.21

7% below the year high

52W Low

$26.30

43% above the year low

Avg Volume

305,650

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

2.0%

Low short interest — limited bearish positioning

Div Yield

161.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.06

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

39.8%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$421M

Total revenue over the last 12 months

Net Income

$105M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$44.00

Target Median

$38.00

Target Low

$32.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
2026-04-13	Ro Khanna	Democrat	Purchase	1K–15K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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