STEL
Stellar Bancorp, Inc.
Financial Services · Banks - Regional · NYQ
$37.32
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$1.9B
Trailing P/E
18.12
Forward P/E
15.90
Rev Growth
+7.3%
Profit Margin
25.0%
ROE
6.4%
Analyst Target
$38.00
Recommendation
NONE
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.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 61.0
Score Quality: 59.2
Score Combined: 50.6

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality58.4
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 52.1 · Rank: #1356
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$1.6B
Price/Book
1.14
Beta
0.729
Analysts
2
Total Revenue (TTM)
$420.7M
Total Debt
$194.9M
Earnings Growth
+15.2%
Dividend Yield
161.0%
Short Ratio
3.07
Short % Float
0.0%
Employees
1,053

Elite Intelligence

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Trade Consideration
The Opportunity
Score 50.6 (P74 — top 25.7% of scored tickers). Unknown Moat. Ethical FAIL. 2 analysts at None.
Price: $37.32 | Target: $38.00 (+2%)
Score
51
Moat
Unknown
Conviction
Standard
Upside
+2%
The Fundamentals
Revenue Growth+7.3%
Profit Margin25.0%
ROE6.4%
Forward P/E15.9
Market Cap$1.9B
Position Sizing Scenarios
Stop: $31.72 (-15%) | Entry: $37.32
SharesCostProfit to TargetR:R
To Consensus ($38.00, 2 analysts)
10$373.20+$6.80 (2%)0.1R
50$1,866.00+$34.00 (2%)0.1R
100$3,732.00+$68.00 (2%)0.1R
Risk Factors
  • Elevated short interest (3.07 days to cover)
The Verdict
Stellar Bancorp, Inc. holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
62.9
Risk Grade
LOW_RISK
Layers
7
Quality: HIGH_SORTINO
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.4%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.7%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.60
above 1.0 is good
Max Drawdown
-21.2%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
65
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.8x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
CBOE-0.165
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Friday
Best Month
Jul
Worst Month
Dec
Fri-Mon Effect
-0.2793202575286362
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-0.3%
3M Return
-2.2%
6M Return
+20.6%
12M Return
+39.4%
Momentum Rank
#1743
Momentum Signal
UP

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