Price History
Feb 9, 2026 — Jul 6, 2026Investment Snapshot
- Trading 2% above Graham Number — above intrinsic value estimate
- Piotroski F-Score 3/9 — signs of financial weakness
- ROE of 6.2% — below-average profitability
Stellar Bancorp, Inc. (STEL) is a Financial Services company operating in National Commercial Banks, listed on the NYSE , with a market capitalisation of $2.0 billion . Key value metrics: P/E ratio 19.3, P/B ratio 1.20, Piotroski F-Score 3 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Stellar Bancorp, Inc. — Fundamental Analysis Summary
Stellar Bancorp, Inc. (STEL) is currently trading 2% above its Graham Number of $38.74, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 19.3x.
On financial health, STEL shows a weak Piotroski F-Score of 3/9, a signal of deteriorating financial health, and modest return on equity of 6.2% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 5.48.
StockPik's composite Value Score for STEL is 55/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
STEL shows earnings declining at 11%.
STEL pays a modest dividend yield of 1.4%.