Stellar Bancorp, Inc. (STEL) Stock Analysis
Financial Services · Banks - Regional · NYSE
Stellar Bancorp, Inc. (STEL) posted $423.80M in revenue for fiscal 2025 (down 1.8% year over year), at a 24.3% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Stellar Bancorp, Inc.
Stellar Bancorp, Inc. has grown revenue from $0 to $423.80M over the last 10 fiscal years. The most recent year was down 1.8%.
Net margin sits at 24.3%, down 3 points year over year.
At today's valuation the market is pricing in roughly 8.4% annual free-cash-flow growth — versus the 11.4% it actually delivered over the last five years, broadly in line with what it has delivered.
Synthesised from Stellar Bancorp, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Stellar Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $309.31M | $462.23M | $431.35M | $423.80M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $27.21M | $27.57M | $47.29M | $50.52M | $45.53M | $81.55M | $51.43M | $130.50M | $117.61M | $102.87M |
| Net margin | — | — | — | — | — | — | 16.6% | 28.2% | 27.3% | 24.3% |
Source: Stellar Bancorp, Inc. SEC filings (10-K). 11 years of history available in the interactive view.
Stellar Bancorp, Inc.: no obvious red flags in the filings
Our deterministic scan of the filed statements — receivables vs sales, earnings vs cash, dilution, leverage and margins — didn't flag anything. Ask about the risks →
What growth is priced into STEL stock?
At today's market cap of $1.95B, Stellar Bancorp, Inc. is priced for free-cash-flow growth of about 8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $92.61M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.4%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 11 years of Stellar Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Stellar Bancorp, Inc. financial history by metric
Compare Stellar Bancorp, Inc. with peers
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.
Stellar Bancorp, Inc. — frequently asked questions
What is Stellar Bancorp, Inc.'s revenue?
Stellar Bancorp, Inc. (STEL) reported revenue of $423.80M for fiscal year 2025, down 1.8% from the prior year, according to its SEC filings.
Is Stellar Bancorp, Inc. profitable?
Yes. STEL earned net income of $102.87M in fiscal 2025, a net margin of 24.3%.
What is STEL's P/E ratio?
Stellar Bancorp, Inc. trades at a price-to-earnings ratio of about 18.6 based on the latest data in our nightly-refreshed cache.
How much debt does Stellar Bancorp, Inc. have?
As of fiscal year 2025, STEL carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Stellar Bancorp, Inc.'s market cap?
Stellar Bancorp, Inc. (STEL) has a market capitalization of about $1.95B, based on the latest data in our nightly-refreshed cache.
When does Stellar Bancorp, Inc.'s fiscal year end?
STEL's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into STEL stock?
At today's market cap of $1.95B, Stellar Bancorp, Inc. is priced for free-cash-flow growth of about 8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $92.61M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11.4%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Stellar Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 11 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.