Stellar Bancorp, Inc. (STEL) — Stock Score Summary

Stellar Bancorp, Inc. (STEL) has a MoatMap StockRank of 45/100 based on Quality (39/100), Value (27/100), and Momentum (65/100) factor scores. The current signal is HOLD. Texas-focused regional bank with solid metrics but lacks the asymmetric macro tailwinds required for our concentrated book.

Stellar Bancorp, Inc. is a community bank holding company operating through its subsidiary, Stellar Bank, serving the Houston, Dallas, and surrounding markets in Texas. The bank focuses on providing commercial and consumer banking services, leveraging deep local market knowledge and personalized customer relationships. Stellar Bancorp differentiates itself through its community-focused approach and commitment to serving small to medium-sized businesses and individuals within its rapidly growing service areas.

Key Financial Metrics

Price$37.99
Market Cap$1.9B
P/E (TTM)18.17
P/E (Forward)15.95
Price/Book1.14
Return on Equity6.4%
Gross Margin0.0%
Operating Margin39.8%
Revenue Growth7.3%
Dividend Yield1.6%

Stellar Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Stellar Bancorp, Inc.’s (STEL) StockRank?
MoatMap’s StockRank for Stellar Bancorp, Inc. (STEL) is 45/100, with a Hold signal. It is a composite of Quality (39), Value (27), and Momentum (65) factor ranks across MoatMap’s 19,000+ stock universe.
Does Stellar Bancorp, Inc. have an economic moat?
Stellar Bancorp, Inc. (STEL) has a Quality factor score of 39/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Stellar Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for Stellar Bancorp, Inc. (STEL) is Hold, based on a StockRank of 45/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Stellar Bancorp, Inc. in?
Stellar Bancorp, Inc. (STEL) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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