---
title: "Stellar Bancorp, Inc. (STEL.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/STEL.US.md"
symbol: "STEL.US"
name: "Stellar Bancorp, Inc."
industry: "Regional Banks"
datetime: "2026-05-20T01:56:48.077Z"
locales:
  - [en](https://longbridge.com/en/quote/STEL.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/STEL.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/STEL.US.md)
---

# Stellar Bancorp, Inc. (STEL.US)

## Company Overview

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 provides 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 offers 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.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.stellar.bank](https://www.stellar.bank) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: C (0.52)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 171 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -2.34% |  |
| Net Profit YoY | -7.42% |  |
| P/B Ratio | 1.13 |  |
| Dividend Ratio | 1.57% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1885732253.92 |  |
| Revenue | 420665000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.41% | C |
| Profit Margin | 24.99% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | -2.34% | D |
| Net Profit YoY | -7.42% | C |
| Total Assets YoY | 4.36% | C |
| Net Assets YoY | 3.53% | C |
| Cash Flow Margin | 113.37% | C |
| OCF YoY | -2.34% | D |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Stellar Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-2.34%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "-7.42%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.13",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "1.57%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1885732253.92",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "420665000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.41%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "24.99%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "-2.34%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "-7.42%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "4.36%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.53%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "113.37%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "-2.34%",
          "rating": "D"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 17.89 | 238/329 | 18.07 | 15.20 | 13.77 |
| PB | 1.13 | 153/329 | 1.13 | 0.99 | 0.93 |
| PS (TTM) | 4.47 | 238/329 | 4.51 | 3.80 | 3.58 |
| Dividend Yield | 1.57% | 205/329 | 1.88% | 1.79% | 1.57% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-03T05:00:00.000Z

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Overweight | 1 | 33% |
| Hold | 2 | 67% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 36.95 |
| Highest Target | 44.00 |
| Lowest Target | 32.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/STEL.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/STEL.US/norm.md)
- [Related News](https://longbridge.com/en/quote/STEL.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/STEL.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**