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Upturn AI SWOT - About
Stellar Bancorp, Inc. (STEL)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $28.2
1 Year Target Price $28.2
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.88% | 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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.44B USD | Price to earnings Ratio 13.24 | 1Y Target Price 28.2 |
Price to earnings Ratio 13.24 | 1Y Target Price 28.2 | ||
Volume (30-day avg) 5 | Beta 0.67 | 52 Weeks Range 21.53 - 31.88 | Updated Date 06/29/2025 |
52 Weeks Range 21.53 - 31.88 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.00% | Basic EPS (TTM) 2.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.36% | Operating Margin (TTM) 37.82% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 7.23% |
Valuation
Trailing PE 13.24 | Forward PE 14.88 | Enterprise Value 1091253376 | Price to Sales(TTM) 3.35 |
Enterprise Value 1091253376 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 51473200 | Shares Floating 46617711 |
Shares Outstanding 51473200 | Shares Floating 46617711 | ||
Percent Insiders 9.78 | Percent Institutions 59.85 |
Analyst Ratings
Rating 3 | Target Price 28.2 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Stellar Bancorp, Inc.
Company Overview
History and Background
Stellar Bancorp, Inc. (formerly known as Independent Bank Group, Inc.) was founded in 2008. It grew through a series of acquisitions of community banks in Texas and Colorado, expanding its presence in key markets. The name change to Stellar Bancorp reflects its larger scope and future aspirations after the merger with Allegiance Bancshares.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team is composed of seasoned banking executives. The organizational structure is hierarchical, with regional presidents overseeing operations in specific geographic areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and real estate loans. Market share is difficult to pinpoint precisely, but competes with major national and regional banks. Competitors include Bank of America, JPMorgan Chase, Texas Capital Bancshares, and Prosperity Bancshares.
- Deposit Accounts: Provides a range of deposit accounts, including checking, savings, and money market accounts. Competes with national and local banks. Competitors include Bank of America, JPMorgan Chase, Comerica, and Amegy Bank.
- Mortgages: Offers mortgage products to consumers. Competitors include Wells Fargo, JPMorgan Chase, and various mortgage lenders. Market share is fragmented and localized.
Market Dynamics
Industry Overview
The banking industry is undergoing consolidation, with increased competition from fintech companies and evolving regulatory requirements. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
Stellar Bancorp, Inc. positions itself as a relationship-focused community bank with the resources and expertise to serve larger commercial clients. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Texas and Colorado is estimated to be in the hundreds of billions of dollars. Stellar Bancorp, Inc. is positioned to capture a larger share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- Diversified revenue streams
- Recent merger creating economies of scale
Weaknesses
- Reliance on specific geographic markets
- Integration risks from acquisitions
- Vulnerability to economic downturns
- Limited brand recognition outside its core markets
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growing demand for commercial lending
- Acquisition of smaller banks
- Capitalizing on fintech partnerships
Threats
- Increased competition from larger banks
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
- Economic recession
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- TCBI (TCBI)
- PB (PB)
Competitive Landscape
Stellar Bancorp, Inc. faces competition from larger national and regional banks, as well as smaller community banks. Its advantage lies in its local market expertise and personalized service.
Major Acquisitions
Allegiance Bancshares
- Year: 2023
- Acquisition Price (USD millions): 975
- Strategic Rationale: The merger with Allegiance Bancshares expands Stellar Bancorp, Inc.'s footprint in Texas and increases its scale.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced substantial growth through organic expansion and strategic acquisitions.
Future Projections: Analysts expect continued growth in revenue and earnings, driven by expansion into new markets and increased lending activity.
Recent Initiatives: Recent initiatives include the merger with Allegiance Bancshares and investments in digital banking technology.
Summary
Stellar Bancorp, Inc. is a growing regional bank with a strong presence in Texas and Colorado. The merger with Allegiance Bancshares provides strategic benefits, but integration risks need careful management. The company's relationship-focused banking model and diversified revenue streams are key strengths. Economic conditions and competition remain challenges to monitor closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions. Market share data is based on available estimates and may not be precise.
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 1054 | Website https://ir.stellarbancorpinc.com |
Full time employees 1054 | 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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