Stellar Bancorp, Inc. (STEL)
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
$39.320.00%
Close 2026-07-01 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
Research Workspace
Put STEL beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
The reason to own it still holds.
View ThesisRevenue is contracting — down about 1% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityMiddle-of-the-pack management execution.
View ManagementExpectations look high — what the market is pricing in runs ahead of what analysts forecast.
View ValuationRelatively steady — typically moves about 1% a day.
View RiskSTEL’s earnings beat supports the case, though fragile cash backing and disruptive management temper it. Q1 FY2026 non-GAAP earnings per share beat consensus by 16%. Revenue growth and valuation multiples are unavailable, so the price’s expectations cannot be established. Our model puts the next-quarter miss probability near 21%. The thesis risk is fragile cash backing, despite the latest earnings beat. Our standing thesis remains intact; this read is provisional.
Trailing returns as of 2026-07-01. STEL is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 2 analysts currently covering STEL (as of Jul 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
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Compare STEL with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| STEL Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 0 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put STEL next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Merger with Prosperity Bancshares
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-01. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 10% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Merger disclosures support growth strategy.
Advances: Maintain Dividend Payout
Dividend declaration aligns with capital allocation goals.