STEL

Based on Stellar Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Stellar Bancorp do?

Stellar Bancorp is a bank holding company that provides commercial banking services to small and medium-sized businesses, professionals, and individuals. It accepts deposits, extends loans across commercial and residential categories, and offers digital banking, wire transfers, and cash management services — primarily across Texas markets including Houston and Dallas.

Does STEL pay dividends?

Yes, Stellar Bancorp pays a regular dividend. This is consistent with the income-return practices common among community and regional bank holding companies. Investors seeking periodic income may find this relevant, though dividend sustainability depends on the company's ongoing earnings and capital position.

When does STEL report earnings?

Stellar Bancorp follows a quarterly earnings reporting schedule, standard for US-listed bank holding companies. For the exact timing of upcoming results, check the investor relations section of the company's official website, as specific dates are subject to change.

Is STEL a good stock to buy?

UQS Score rates STEL as Below Average, driven by Weak Moat and Growth pillars alongside a Neutral Quality rating. The Good Risk and Valuation ratings provide some balance. Whether it fits your portfolio depends on your investment goals — view the full pillar breakdown on uqs-score.com for a deeper picture.

Is STEL overvalued?

The UQS Valuation pillar for STEL is rated Good, suggesting the stock does not appear significantly overpriced relative to sector peers at this time. That said, valuation should be considered alongside the company's Weak Growth profile, which can affect how much premium the market is willing to assign.

How does STEL compare to its competitors?

Compared to peers like Columbia Financial, First Commonwealth, and Northwest Bancshares, Stellar Bancorp is a Texas-focused commercial lender with a relatively concentrated geographic footprint. Its UQS profile reflects a below-average composite score, and a side-by-side pillar comparison with these peers is available to Pro members on uqs-score.com.

What is STEL's market cap bracket?

Stellar Bancorp is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but may also carry lower liquidity and higher volatility compared to large-cap banking peers.

Who founded Stellar Bancorp?

Stellar Bancorp was founded in 2017. For detailed information on the founding team and corporate history, the company's official investor relations page and public filings provide the most accurate and up-to-date background.

Is STEL a long-term quality investment?

From a long-term quality perspective, STEL's UQS profile raises some caution. Weak Moat and Growth ratings suggest limited structural advantages and expansion capacity over time. The Good Risk rating offers some reassurance on stability, but long-term quality investors typically look for stronger moat and growth characteristics. Pro members can explore the full analysis on uqs-score.com.

What sector does STEL belong to?

Stellar Bancorp operates in the Financial Services sector, specifically as a regional bank holding company. It competes within the community and commercial banking segment, where net interest margins, credit quality, and deposit growth are the primary performance drivers.

Stellar Bancorp, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Stellar Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.

Stellar Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.

Stellar Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Stellar Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for STEL.

The UQS (Unified Quality Score) for Stellar Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Stellar Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Stellar Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.