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STEL 
Stellar Bancorp, Inc. (STEL)
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Upturn Advisory Summary
12/05/2025: STEL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $31.8
1 Year Target Price $31.8
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.42% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.63B USD | Price to earnings Ratio 16.32 | 1Y Target Price 31.8 |
Price to earnings Ratio 16.32 | 1Y Target Price 31.8 | ||
Volume (30-day avg) 5 | Beta 0.81 | 52 Weeks Range 23.89 - 32.24 | Updated Date 12/6/2025 |
52 Weeks Range 23.89 - 32.24 | Updated Date 12/6/2025 | ||
Dividends yield (FY) 1.75% | Basic EPS (TTM) 1.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.47% | Operating Margin (TTM) 37.43% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 6.22% |
Valuation
Trailing PE 16.32 | Forward PE 14.88 | Enterprise Value 979532032 | Price to Sales(TTM) 3.9 |
Enterprise Value 979532032 | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 51187494 | Shares Floating 46083077 |
Shares Outstanding 51187494 | Shares Floating 46083077 | ||
Percent Insiders 9.79 | Percent Institutions 63.42 |
Upturn AI SWOT
Stellar Bancorp, Inc.
Company Overview
History and Background
Stellar Bancorp, Inc., formerly known as Allegiance Bancshares, Inc., was founded in 2007. It is a bank holding company headquartered in Houston, Texas. Through its subsidiary, Stellar Bank, the company provides a range of commercial banking services to small- and medium-sized businesses and individual customers. The company's growth strategy has involved organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers lending products, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team consists of Steve Retzloff (Executive Chairman), Scott R. McLean (CEO), and others. The organizational structure includes various departments focusing on lending, operations, finance, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is difficult to pin down exactly, but regional banks like Stellar compete with larger national banks and smaller community banks. Competitors include larger banks (JPM, BAC, WFC) and other regional players.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share will be based on the bank's market region. Competitors include other banks (JPM, BAC) and online financial services.
- Treasury Management Services: Services aimed at helping businesses manage their cash flow efficiently, including online banking, payment processing, and fraud prevention. Competitors include Fiserv, Fidelity National Information Services (FIS), and Jack Henry & Associates.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment characterized by rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Competition is intense, with traditional banks facing pressure from fintech companies and other non-bank financial institutions.
Positioning
Stellar Bancorp, Inc. positions itself as a relationship-focused bank serving the needs of small- and medium-sized businesses in the Texas region. Its competitive advantages include its local market knowledge, personalized service, and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in Texas is substantial, estimated at billions of dollars. Stellar Bancorp is positioned to capture a portion of this TAM through its focus on commercial banking and expansion strategy.
Upturn SWOT Analysis
Strengths
- Strong presence in the Texas market
- Experienced management team
- Focus on relationship banking
- Solid capital position
Weaknesses
- Limited geographic diversification
- Dependence on commercial lending
- Smaller scale compared to larger competitors
- Operational inefficiencies
Opportunities
- Expansion into new markets within Texas
- Increased demand for commercial loans
- Adoption of new technologies
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic slowdown in Texas
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- JPM
- BAC
- TCBI
- CADE
Competitive Landscape
Stellar Bancorp, Inc. competes with larger national banks and smaller community banks. Its advantages include its local market knowledge and personalized service. Its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Independence Bank
- Year: 2023
- Acquisition Price (USD millions): 586.5
- Strategic Rationale: Strengthen Stellar's market position within the Houston MSA and expand its footprint into Beaumont.
Growth Trajectory and Initiatives
Historical Growth: Stellar Bancorp's growth has been driven by organic expansion and acquisitions of smaller banks. Historical growth rates depend on specific periods and financial data.
Future Projections: Future growth projections are based on analyst estimates and depend on factors such as economic conditions, interest rates, and regulatory changes. Unable to output these without real-time data feeds.
Recent Initiatives: Recent initiatives include expanding its presence in key Texas markets, investing in technology upgrades, and focusing on customer relationship management.
Summary
Stellar Bancorp has a solid regional presence in Texas. It's benefiting from a strong Texas economy but faces competition from larger national banks and smaller regional players. The company's focus on commercial banking and relationship-based service has served them well. Potential future headwinds include interest rate risk and a reliance on the Texas economy.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Databases
- Press Releases
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Investment decisions should be made in consultation with a qualified financial advisor.
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 1065 | Website https://www.stellar.bank |
Full time employees 1065 | Website https://www.stellar.bank | ||
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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