---
title: "Stellar Bancorp, Inc. (STEL.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/STEL.US.md"
symbol: "STEL.US"
name: "Stellar Bancorp, Inc."
industry: "區域性銀行"
---

# Stellar Bancorp, Inc. (STEL.US)

| Item | Detail |
|------|--------|
| Industry | 區域性銀行 |
| Location | 美股市場 |
| Website | [www.stellar.bank](https://www.stellar.bank) |

## Company Profile

Stellar Bancorp, Inc. 是一家銀行控股公司，主要為中小型企業、專業人士和個人客戶提供一系列商業銀行產品和服務。它提供的存款產品包括支票賬戶、商業賬戶、貨幣市場賬戶、儲蓄賬戶和其他定期存款，以及電話、移動和在線銀行等便捷服務。該公司還提供商業和工業貸款；包括多戶住宅貸款的商業房地產貸款；商業房地產建設和土地開發貸款；包括 1-4 戶住宅抵押貸款（包括房屋淨值貸款和房屋改善貸款）及房屋淨值信用額度的住宅房地產貸款；以及商業和零售貸款服務，如小企業貸款、抵押貸款、個人貸款和汽車貸款；以及保理服務

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-18T04:30:13.000Z

**Overall: C (0.54)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 151 / 326 |
| 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.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -4.76% |  |
| Net Profit YoY | -10.55% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.17 |  |
| Dividend Ratio | 1.48% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1.95B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 413.25M |  |


**Multi Score**: C

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 6.28% | C |
| Profit Margin | 24.89% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -4.76% | D |
| Net Profit YoY | -10.55% | D |
| Total Assets YoY | -0.91% | D |
| Net Assets YoY | 3.78% | C |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 401.71% | C |
| OCF YoY | -4.76% | D |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Stellar Bancorp, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "6.28%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "24.89%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "D",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-4.76%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "-10.55%",
          "rating": "D"
        },
        {
          "name": "Total Assets YoY",
          "value": "-0.91%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "3.78%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "401.71%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "-4.76%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Truist Financial (US.TFC) | C | B | E | A | B | B |
| 02 | Pinnacle金融 (US.PNFP) | B | B | E | A | B | B |
| 03 | SouthState Bank (US.SSB) | B | A | E | A | B | B |
| 04 | UMB金融 (US.UMBF) | B | A | E | A | B | B |
| 05 | Old National銀行 (US.ONB) | C | A | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 19.00 | 239/312 | 15.76 | 14.03 | 12.47 |
| PB | 1.17 | 153/312 | 0.99 | 0.95 | 0.88 |
| PS (TTM) | 4.73 | 244/312 | 3.86 | 3.63 | 3.29 |
| Dividend Yield | 1.48% | 213/312 | 1.97% | 1.85% | 1.77% |

## Institutional View

### Analyst Rating Distribution

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

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 1 | 33% |
| Hold | 2 | 67% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 38.74 |
| Highest Target | 44.00 |
| Lowest Target | 32.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/STEL.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/STEL.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/STEL.US/topics.md) - Community topics and discussions

---

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