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Upturn AI SWOT - About
Stellar Bancorp, Inc. (STEL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: STEL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $31.6
1 Year Target Price $31.6
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.24% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.54B USD | Price to earnings Ratio 14.38 | 1Y Target Price 31.6 |
Price to earnings Ratio 14.38 | 1Y Target Price 31.6 | ||
Volume (30-day avg) 5 | Beta 0.77 | 52 Weeks Range 23.87 - 32.38 | Updated Date 08/15/2025 |
52 Weeks Range 23.87 - 32.38 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.83% | Basic EPS (TTM) 2.08 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-25 | When Before Market | Estimate 0.45 | Actual 0.51 |
Profitability
Profit Margin 25.92% | Operating Margin (TTM) 38.96% |
Management Effectiveness
Return on Assets (TTM) 1.04% | Return on Equity (TTM) 6.95% |
Valuation
Trailing PE 14.38 | Forward PE 14.88 | Enterprise Value 1115580160 | Price to Sales(TTM) 3.62 |
Enterprise Value 1115580160 | Price to Sales(TTM) 3.62 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 51352600 | Shares Floating 46497252 |
Shares Outstanding 51352600 | Shares Floating 46497252 | ||
Percent Insiders 9.81 | Percent Institutions 59.04 |
Upturn AI SWOT
Stellar Bancorp, Inc.
Company Overview
History and Background
Stellar Bancorp, Inc. was formed through the merger of Allegiance Bancshares, Inc. and CBTX, Inc. in September 2023. Allegiance Bank was founded in 2007, and CBTX began in 1998, both focusing on commercial banking in Texas. The merger created a larger, more competitive regional bank.
Core Business Areas
- Commercial Banking: Provides a wide range of lending and deposit products to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers personal banking services such as checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Robert R. Franklin Jr. serves as Chairman and CEO. The company has a board of directors overseeing strategic direction and various executive management teams responsible for different business lines.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating substantial revenue. Market share data unavailable. Competitors include regional and national banks such as Comerica (CMA) and Frost Bank (CFR).
- Small Business Loans: Loans to small and medium-sized businesses. Market share data unavailable. Competitors include other regional banks and online lenders such as Live Oak Bancshares (LOB).
- Treasury Management Services: Services to help businesses manage their cash flow. Market share data unavailable. Competitors include major national banks like JP Morgan Chase (JPM) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and potential economic slowdown. Competition is intense, with a mix of large national banks, regional players, and online fintech companies.
Positioning
Stellar Bancorp, Inc. positions itself as a relationship-focused bank with a strong presence in the Texas market, emphasizing personalized service and local market expertise. Its competitive advantage lies in its deep understanding of the Texas economy and its ability to build strong relationships with its clients.
Total Addressable Market (TAM)
TAM for commercial banking in Texas is estimated to be in the billions of dollars. Stellar Bancorp, Inc. aims to capture a larger share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Texas market
- Experienced management team
- Relationship-focused banking model
- Solid balance sheet
Weaknesses
- Geographic concentration in Texas
- Relatively small size compared to national banks
- Integration risks from recent merger
- Dependence on commercial lending
Opportunities
- Expansion into new Texas markets
- Increased demand for commercial lending
- Growing wealth management business
- Potential for strategic acquisitions
Threats
- Rising interest rates
- Economic downturn in Texas
- Increased competition from national banks and fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- CMA
- CFR
- FHN
- HBAN
- MTB
Competitive Landscape
Stellar Bancorp, Inc. faces intense competition from larger national and regional banks. Its advantages lie in its local market expertise and relationship-based approach. However, it needs to manage integration risks and invest in technology to remain competitive.
Major Acquisitions
CBTX, Inc.
- Year: 2023
- Acquisition Price (USD millions): Unavailable
- Strategic Rationale: Merger of equals to create a larger, more competitive regional bank with a stronger presence in the Texas market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is a combination of the growth of Allegiance Bancshares and CBTX. Post-merger growth will be driven by synergies and expansion.
Future Projections: Analyst estimates project moderate revenue and earnings growth, driven by organic growth and cost savings from the merger.
Recent Initiatives: Recent initiatives include integration of the two legacy banks, expansion of product offerings, and investment in technology.
Summary
Stellar Bancorp, Inc. is a newly formed regional bank with a strong presence in Texas. The merger creates opportunities for growth and cost savings, but also presents integration challenges. The company faces a competitive environment and needs to effectively manage interest rate risk and credit quality. Overall the company is positioned to be relatively strong but they will need to execute strategic planning.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company press releases
- Company investor relations materials
- Third-party financial data providers
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Consult a financial professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Stellar Bancorp, Inc.
Exchange NYSE | Headquaters Houston, TX, United States | ||
IPO Launch date 2002-01-22 | CEO & Director Mr. Robert R. Franklin Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1023 | Website https://ir.stellarbancorpinc.com |
Full time employees 1023 | Website https://ir.stellarbancorpinc.com | ||
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 offers 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 provides 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 offers 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.
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