Stellar Bancorp, Inc. (STEL) Stock Analysis
DELISTED 2026
What happened to Stellar Bancorp, Inc. (STEL) stock?
Stellar Bancorp, Inc. (STEL) no longer trades on public markets. It was delisted in July 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Stellar Bancorp, Inc. (STEL) trades at $39.32. Stellar Bancorp, Inc. is a bank holding company providing commercial banking services to small and medium-sized businesses, professionals, and individual customers. Market cap: $2.00B, Sector: Financial services.
Last analyzed: May 7, 2026Analyst Coverage for STEL: STEL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates STEL against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
STEL: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Stellar Bancorp, Inc. (STEL) Financial Services Profile
Stellar Bancorp, Inc., founded in 2007, provides commercial banking services to small and medium-sized businesses and individuals, primarily in the Southeast US. With a market capitalization of $2.00B and a focus on traditional banking services alongside digital offerings, Stellar Bancorp competes in the regional banking sector.
What Is the Investment Thesis for STEL?
Stellar Bancorp, Inc. presents a compelling investment case based on its strategic focus on the Southeast region, a market experiencing steady economic growth. With a P/E ratio of 18.3 and a profit margin of 17.8%, the company demonstrates solid profitability. The dividend yield of 1.54% offers a modest income stream for investors. Growth catalysts include expansion within existing markets and potential acquisitions of smaller regional banks. However, investors should be aware of potential risks, including interest rate sensitivity and increasing competition from larger national banks and fintech companies. Monitoring loan portfolio performance and deposit growth will be crucial in assessing the company's future performance.
Based on FMP financials and quantitative analysis
STEL Key Highlights
Market capitalization of $2.00B, reflecting substantial investor confidence in the company's market position.
- P/E ratio of 18.3, indicating a reasonable valuation relative to earnings.
- Profit margin of 17.8%, showcasing efficient operations and profitability.
- Gross margin of 69.9%, highlighting the company's ability to manage costs effectively.
- Dividend yield of 1.54%, providing a steady income stream for investors.
Who Are STEL's Competitors?
STEL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HBAN Huntington Bancshares Incorporated | $17.16 | -0.03% | $34.7B | 70 |
| KEY KeyCorp | $21.85 | -1.13% | $23.6B | 69 |
| FCNCA First Citizens BancShares, Inc. | $2151.23 | -0.90% | $24.5B | 84 |
| TCBI Texas Capital Bancshares, Inc. | $98.04 | -0.16% | $4.26B | 90 |
| CHCO City Holding Company | $144.00 | +0.56% | $2.03B | 95 |
| SRCE 1st Source Corporation | $86.15 | +0.51% | $2.07B | 99 |
| GABC German American Bancorp, Inc. | $49.94 | +0.85% | $1.88B | 97 |
| FCF First Commonwealth Financial Corporation | $21.25 | +0.90% | $2.16B | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are STEL's Key Strengths?
Strong presence in the growing Texas market.
- Diversified loan portfolio.
- Experienced management team.
- Solid profitability metrics.
What Are STEL's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller size compared to national banks.
- Sensitivity to interest rate fluctuations.
What Could Drive STEL Stock Higher?
Expansion of digital banking services to attract younger customers.
- Strategic acquisitions of smaller regional banks to increase market share.
- Potential interest rate hikes by the Federal Reserve, which could increase net interest margins.
- Growth in the Texas economy, driving demand for banking services.
What Are the Key Risks for STEL?
Financial-distress signal — its Altman Z-Score of -0.46 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national banks and fintech companies.
- Economic downturn in the Texas market, leading to loan defaults.
- Sensitivity to interest rate fluctuations, which could impact profitability.
- Regulatory changes that could increase compliance costs.
What Are the Growth Opportunities for STEL?
- Expansion within existing markets: Stellar Bancorp can grow by increasing its market share in its current locations, such as Houston and Dallas. This can be achieved through targeted marketing campaigns, enhanced customer service, and the introduction of new products and services. The market for banking services in Texas is estimated to be worth billions of dollars, providing ample opportunity for growth. Timeline: Ongoing.
- Strategic acquisitions: Stellar Bancorp can acquire smaller regional banks to expand its geographic footprint and increase its asset base. This strategy can provide access to new markets and customers, as well as economies of scale. The regional banking sector is ripe for consolidation, with many smaller banks struggling to compete with larger institutions. Timeline: Ongoing.
- Increased focus on digital banking: Stellar Bancorp can invest in its digital banking platform to attract and retain customers. This includes offering mobile banking apps, online account opening, and other digital services. The demand for digital banking is growing rapidly, particularly among younger customers. Timeline: Ongoing.
- Expansion of commercial lending: Stellar Bancorp can grow its commercial lending business by targeting small and medium-sized businesses in its target markets. This includes offering a range of loan products, such as commercial real estate loans, equipment financing, and working capital loans. The market for commercial lending is large and growing, driven by the growth of the small business sector. Timeline: Ongoing.
- Wealth management services: Stellar Bancorp can expand its wealth management services to cater to high-net-worth individuals and families. This includes offering investment management, financial planning, and trust services. The market for wealth management services is growing rapidly, driven by the increasing wealth of the population. Timeline: Ongoing.
What Are STEL's Competitive Advantages?
- Strong local presence in Texas markets.
- Established relationships with local businesses.
- Personalized customer service.
- Deep understanding of local market dynamics.
What Does STEL Do?
Stellar Bancorp, Inc. was established in 2007 and is headquartered in Houston, Texas. The company operates as a bank holding company, delivering a comprehensive suite of commercial banking services tailored to small and medium-sized businesses, professionals, and individual customers. Stellar Bancorp offers a variety of deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and certificates of deposit. Its loan portfolio encompasses commercial and industrial loans, commercial real estate loans (including multi-family residential loans), commercial real estate construction and land development loans, residential real estate loans (such as 1-4 family residential mortgage loans), residential construction loans, and consumer and other loans. Beyond traditional banking services, Stellar Bancorp provides automated teller machine services, drive-through services, and depository facilities. It also offers modern conveniences such as mobile banking, telephone, mail, and internet banking services. Additional services include 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's operational footprint is concentrated in the Southeast region, with locations in Houston, The Woodlands, Sugar Land, Beaumont, Port Arthur, and Dallas. The company's focus on relationship-based banking and community involvement has helped it establish a strong presence in its target markets.
What Products and Services Does STEL Offer?
- Offers checking, savings, and money market accounts.
- Provides commercial and industrial loans.
- Offers commercial and residential real estate loans.
- Provides residential construction loans.
- Offers consumer and other loans.
- Provides mobile and internet banking services.
- Offers cash management and wire transfer services.
How Does STEL Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through diversification of loan portfolio.
- Expands market presence through strategic branch locations.
What Industry Does STEL Operate In?
Stellar Bancorp operates within the competitive regional banking sector. This sector is characterized by both traditional brick-and-mortar institutions and increasing disruption from fintech companies. Key trends include rising interest rates, which can impact net interest margins, and increasing demand for digital banking services. The regional banking market is fragmented, with numerous players vying for market share. Stellar Bancorp's focus on small and medium-sized businesses positions it to capitalize on the demand for personalized banking services in its target markets.
Who Are STEL's Key Customers?
- Small and medium-sized businesses.
- Professionals (doctors, lawyers, etc.).
- Individual customers.
- Commercial real estate developers.
Company Profile
Stellar Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Houston, US. The company is led by CEO Robert R. Franklin Jr.. STEL has traded publicly since 2017.
How Stellar Bancorp, Inc. Is Valued
Stellar Bancorp, Inc. carries a market capitalization of $2.00B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for Stellar Bancorp, Inc. stands at 6.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. STEL trades at a trailing price-to-earnings ratio of 18.27, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 5.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.23 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Stellar Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.46 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Stellar Bancorp, Inc. revenue of about $445.9M for fiscal 2026, with EPS near $2.22.
STEL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
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Bear Case
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AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
STEL Latest News
No recent news available for STEL.
Latest Stellar Bancorp, Inc. Analysis
Leadership: Robert R. Franklin Jr.
CEO
Robert R. Franklin Jr. serves as the CEO of Stellar Bancorp, Inc. His career spans several decades in the banking industry, with a focus on commercial lending and strategic growth. Prior to joining Stellar Bancorp, he held leadership positions at various regional banks, where he oversaw significant increases in loan volume and market share. Franklin holds an MBA from a top-tier business school and is actively involved in community development initiatives in the Houston area. His expertise lies in fostering strong client relationships and driving sustainable growth.
Track Record: Under Robert R. Franklin Jr.'s leadership, Stellar Bancorp has experienced consistent growth in assets and profitability. He has successfully navigated the company through challenging economic conditions and has overseen the expansion of its digital banking platform. Key milestones include the successful integration of acquired banks and the implementation of new risk management strategies. His focus on operational efficiency has contributed to improved financial performance.
Common Questions About STEL (Financial Services)
What happened to Stellar Bancorp, Inc. (STEL) stock?
Stellar Bancorp, Inc. (STEL) no longer trades on public markets. It was delisted in July 2026. The figures below are historical and are not a current quote.
Can I still buy STEL shares?
No. STEL stopped trading on public markets in July 2026, so the shares are not available through a broker. Anything you see quoted for STEL elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before STEL stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Stellar Bancorp, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Stellar Bancorp, Inc. do?
Stellar Bancorp, Inc. operates as a bank holding company, providing a range of commercial banking services to small and medium-sized businesses, professionals, and individual customers. The company offers deposit products such as checking, savings, and money market accounts, as well as loan products including commercial real estate, industrial, and consumer loans.
What do analysts say about STEL stock?
Analyst coverage of Stellar Bancorp, Inc. (STEL) generally focuses on its growth potential in the Texas market and its ability to maintain profitability in a changing interest rate environment. Key valuation metrics include the P/E ratio and price-to-book ratio, which are often compared to peers in the regional banking sector.
What are the main risks for STEL?
Stellar Bancorp, Inc. faces several key risks, including interest rate risk, credit risk, and competition risk. Interest rate risk arises from the potential for changes in interest rates to negatively impact net interest margins. Credit risk stems from the possibility of loan defaults, particularly during economic downturns.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.