What is STEL's P/E ratio?

STELLAR BANCORP, INC. (STEL) currently trades at a P/E ratio of 19.04.

STELLAR BANCORP, INC. reports a Return on Equity (ROE) of 6.30%.

What is STEL's dividend yield?

STELLAR BANCORP, INC. offers a dividend yield of 1.48%.

What is STEL's Quality Score?

Our AI rates STEL's overall financial quality at 62 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy STEL?

Our AI Timing Score for STEL is 89 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

STEL (NYSE) Stock Analysis | STELLAR BANCORP, INC.

Stock Check Daily update data at 8:30 AM
(Price: 2026-06-30 | FS: 2026-03-31)

STEL AI Analysis Summary

Our AI summary for STEL: STELLAR BANCORP, INC. (NYSE). The stock currently trades at a P/E of 19.04, ROE of 6.30%, a dividend yield of 1.48%. Its financial Quality Score stands at 62/100 — mid-range fundamentals relative to the market. The AI Timing Score is 89/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

STEL

STELLAR BANCORP, INC.

US:NYSE STOCK News 84

USD 39.32

0.01 (0.03%) Day Change

Watchlist Portfolio Compare Chart

19.04

P/E

0.11

D/E

6.3%

ROE

1.0%

ROA

1.48%

Div Yield

1.22

PEG

STELLAR BANCORP, INC.
TYPE: STOCK
MARKET: NYSE

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USD 39.32 Price 0.01 (0.03%) Day Change	NEWS SCORE: 84

STEL, the overall quality is ok ( Quality = 62) and the timing to buy is ...(Sign In to See)...

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62 QUALITY

Signal: NEUTRAL

Signal Description: Company financial health is OK

Reason: ROE is relatively low.
ROA is relatively low.
Historical ROE is relatively low
ROA is too relatively low compare to ROE
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not quite good , financial health is not good , and ability to make profit is good , ...

Quality Factors

52%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	84
Magic Formula Rank by ROA	2563
Magic Formula Rank by ROE	2563
Magic Formula Rank by ROIC	2683
Price	39.32
PBV / Sector	1.20 / N/A GREAT
Earning Per Share	2.06

PE / Sector	19.04 / N/A
PEG or PE/Growth / Sector	1.22 / N/A
Average 1M Daily Value	20.17 M GREAT
Average 1W Daily Value	36.99 M GREAT

Timing Factors

42%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

45%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

72%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	17.76 / N/A GOOD
NPM Average (%) / Sector	17.92 / N/A GREAT
NPM Change Average (%) / Sector	6.26 / N/A
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	0.97 / N/A
ROA Average (%) / Sector	0.93 / N/A
ROA Change Average (%) / Sector	34.37 / N/A GREAT
ROE (%) / Sector	6.30 / N/A
ROE Average (%) / Sector	6.38 / N/A
ROE Change Average (%) / Sector	25.64 / N/A GREAT
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

12%

Dividend (%) / Sector	1.48 / N/A
Dividend Average (%) / Sector	1.82 / N/A
Dividend Change Average (%) / Sector	-5.43 / N/A

Registration Details

Analyze Date	2026-08-01 08:00:32
Symbol	STEL
Name	STELLAR BANCORP, INC.
Sector	N/A
Market	NYSE
Listed Shares	50.92 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	2,002.20 / N/A

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 9 Greenway Plaza, Houston, TX, United States, 77046

Phone: 713 210 7600

Website: https://www.stellar.bank

Employees: 1,053

Sector: -

Description: 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. In addition, it provides 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.