US · STEL
Stellar Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Houston, TX 77046
- Website
- ir.stellarbancorpinc.com
Price · as of 2025-12-31
$37.50
Market cap 1.93B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $47.99 | +27.97% |
| Intrinsic Value(DCF) | $34.09 | -9.09% |
| Graham-Dodd Method(GD) | $32.57 | -13.14% |
| Graham Formula(GF) | $7.42 | -80.23% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | $15.88 | $16.32 | |||
| 2017 | $24.78 | $60.19 | $18.91 | $19.46 | $15.15 |
| 2018 | $28.45 | $60.42 | $18.50 | $22.87 | $43.12 |
| 2019 | $20.21 | $57.39 | $21.30 | $23.11 | $44.78 |
| 2020 | $28.66 | $72.25 | $316.10 | $18.78 | $82.88 |
| 2021 | $28.82 | $31.55 | $64.04 | $29.84 | $36.20 |
| 2022 | $24.96 | $27.11 | $167.82 | $26.27 | $56.22 |
| 2023 | $23.29 | $65.89 | $1,542.74 | $23.68 | $205.66 |
| 2024 | $27.33 | $43.00 | $191.12 | $23.55 | $20.75 |
| 2025 | $37.89 | $47.99 | $31.57 | $32.57 | $7.42 |
AI valuation
Our deep-learning model estimates Stellar Bancorp, Inc.'s (STEL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $47.99
- Current price
- $37.50
- AI upside
- +27.97%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$34.09
-9.09% upside
Graham-Dodd
$32.57
-13.14% upside
Graham Formula
$7.42
-80.23% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| STEL | Stellar Bancorp, Inc. | $37.50 | 1.93B | +28% | -9% | -13% | -80% | 19.06 | 1.18 | 3.29 | -2.28 | — | 1.78 | 69.31% | 21.43% | 17.25% | 6.28% | -20.51% | 0.95% | 0.02 | 0.74 | 0.02 | 0.42 | -2.97 | -744.00% | -467.00% | -2419.00% | 4.95% | 0.02 | -19.34% | 0.00% | 0.00% | 0.00% | -2.28 | -3.01 | -0.49 | -0.30 |
| FCF | First Commonwealth Financ… | $17.53 | 1.82B | +87% | -19% | -46% | +53% | 10.88 | 1.10 | 2.22 | 3.33 | — | 1.52 | 64.16% | 25.47% | 20.38% | 10.49% | 20.39% | 1.24% | 0.24 | 0.80 | 0.13 | 0.13 | 1.14 | -974.00% | 1166.00% | -1150.00% | 7.35% | 0.01 | 16.30% | 3.39% | 36.90% | 31.80% | 3.44 | 5.38 | 0.88 | -0.56 |
| FRME | First Merchants Corporati… | $39.08 | 2.46B | -37% | -10% | -29% | -22% | 10.05 | 0.92 | 2.16 | 6.17 | 72.92 | 1.30 | 60.96% | 24.67% | 21.52% | 9.47% | 12.33% | 1.21% | 0.41 | 0.67 | 0.20 | 0.20 | 3.17 | 1378.00% | -32.00% | 655.00% | 12.49% | 0.04 | 15.48% | 3.73% | 37.50% | 5.80% | 6.87 | 6.28 | 1.70 | -0.11 |
| GABC | German American Bancorp, … | $41.34 | 1.55B | -1% | +321% | -56% | +347% | 13.69 | 1.33 | 3.16 | 11.47 | 168.50 | 2.05 | 70.17% | 28.74% | 23.11% | 12.00% | 21.95% | 1.53% | 0.16 | 1.11 | 0.06 | 0.06 | 0.79 | 813.00% | 5454.00% | -9777.00% | 0.13% | 0.00 | 0.39% | 2.81% | 38.40% | 4.69% | 11.47 | 793.24 | 3.30 | 0.08 |
| LKFN | Lakeland Financial Corpor… | $58.09 | 1.48B | +23% | -29% | -14% | -57% | 14.54 | 1.97 | 3.56 | 11.86 | 138.94 | 1.98 | 60.99% | 29.78% | 24.51% | 14.29% | 23.02% | 1.51% | 0.24 | 0.82 | 0.03 | 0.03 | 0.97 | 1047.00% | -193.00% | -4163.00% | 3.64% | 0.01 | 12.20% | 0.00% | 0.00% | 0.00% | 12.31 | 28.22 | 3.67 | -0.61 |
| LOB | Live Oak Bancshares, Inc. | $36.27 | 1.66B | +15% | +125% | -20% | +28% | 16.79 | 1.30 | 1.40 | 6.92 | 550.72 | 1.30 | 42.68% | 9.60% | 8.34% | 8.14% | -50.69% | 0.64% | 0.11 | 0.20 | 0.05 | 0.05 | -4.41 | 305.00% | 1967.00% | -1502.00% | 37.48% | 0.05 | -318.95% | 0.42% | 7.00% | 0.42% | 8.72 | 1.60 | 0.84 | -0.79 |
| MBIN | Merchants Bancorp | $42.28 | 1.94B | +86% | -48% | +28% | -69% | 9.09 | 0.87 | 1.46 | 18.77 | — | 0.88 | 41.29% | 19.32% | 16.02% | 9.67% | 3.89% | 1.14% | 1.68 | 0.39 | 1.61 | 1.61 | 14.51 | -4000.00% | -565.00% | -6003.00% | -17.16% | -0.05 | -6.06% | 2.99% | 27.20% | 4.63% | 18.77 | -14.51 | 3.63 | 0.57 |
| NBHC | National Bank Holdings Co… | $39.99 | 1.51B | -21% | -17% | -39% | -54% | 14.17 | 1.12 | 2.66 | 4.13 | — | 1.51 | 69.18% | 24.44% | 18.76% | 8.15% | 18.22% | 1.11% | 0.05 | 0.83 | 0.27 | 0.27 | -2.10 | -747.00% | -175.00% | 979.00% | 8.53% | 0.05 | 20.63% | 2.97% | 42.00% | 25.88% | 4.76 | 5.13 | 1.16 | -0.01 |
| SRCE | 1st Source Corporation | $67.01 | 1.64B | -46% | +37% | -14% | +27% | 10.45 | 1.30 | 2.76 | 1.88 | 50.93 | 1.39 | 70.32% | 34.18% | 26.38% | 13.27% | 72.43% | 1.76% | 0.27 | 1.23 | 12.62 | 12.62 | 1.27 | 2052.00% | 520.00% | 1771.00% | 12.91% | 1.77 | 97.42% | 2.32% | 24.30% | 3.16% | 1.97 | 1.89 | 0.67 | 0.62 |
| STBA | S&T Bancorp, Inc. | $41.81 | 1.6B | -9% | -13% | -40% | -28% | 12.34 | 1.13 | 2.91 | 11.44 | 466.07 | 1.52 | 69.43% | 29.54% | 23.61% | 9.44% | 12.62% | 1.37% | 0.18 | 1.01 | 0.03 | 0.00 | 1.58 | 265.00% | 63.00% | -2437.00% | 7.78% | 0.03 | 12.11% | 3.19% | 39.40% | 5.38% | 11.44 | 14.91 | 3.38 | -0.39 |
| TCBK | TriCo Bancshares | $47.78 | 1.55B | +36% | -16% | +5% | -23% | 12.91 | 1.18 | 2.94 | -1.18 | 186.62 | 1.54 | 75.85% | 31.73% | 22.79% | 9.54% | 29.90% | 1.25% | 0.08 | 1.41 | 0.44 | 0.44 | -0.27 | 692.00% | 178.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.70% | -1.27 | — | -0.40 | 0.03 |
About Stellar Bancorp, Inc.
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.
- CEO
- Robert R. Franklin Jr.
- Employees
- 1.05K
- Beta
- 0.78
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($34.09 ÷ $37.50) − 1 = -9.09% (DCF, example).