# Stellar Bancorp share price (Stellar Bancorp, Inc., STEL)

> Stellar Bancorp, Inc.'s share price has risen faster than its earnings: +32.5% in a year, against −7.6% for earnings per share. STEL · Financials · Banks - Regional · data as of 30 June 2026. Page: https://www.sectoralpha.in/us/stocks/stel

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## Key numbers

- Business trend: Getting worse, from the last 12 quarters
- Price: $39.32 (+32.5% in a year)
- P/BV: 1.2× (higher than 98% of the last 1 year)
- Revenue (Mar 2026): $109 M (+7.3% on a year ago)
- Profit (Mar 2026): $27.0 M (+9.2% on a year ago)
- Net margin: 24.8% (+0.4 points on a year ago)
- ROE: 6%, FY25
- ROA: 0.99%, latest

The main question: the share price moved +32.5% in a year while yearly earnings per share moved −7.6%. The difference came from the market paying a higher multiple. ## What is the Stellar Bancorp share price? Stellar Bancorp, Inc.'s share price was $39.32 at the close on 30 June 2026. That is 14.2% above its average price over the last 200 trading days. In the last 52 weeks it traded between $29 and $40, and at that close it sat 97% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 10 weeks running. Over the last 1 year the share price moved +32% while the S&P 500 moved +19%, so it is ahead of the index over that whole period. It was last ahead over 13 weeks in the week of 24 April 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Stellar Bancorp pay? Stellar Bancorp, Inc. paid $0.58 per share over the last four reported quarters. The most recent declaration was $0.15 for Mar 2026. At today's price of $39.32 that is a yield of 1.48%, based on dividends already paid, not a forecast. ## Which stock lists is Stellar Bancorp on? Stellar Bancorp is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Stellar Bancorp profitable? Stellar Bancorp, Inc. earned $27.0 M of net profit in the Mar 2026 quarter, +9.2% on the same quarter a year earlier. That is the 2nd quarter in a row of profit growth. Full-year FY25 profit was $103 M. Over 4 years profit has grown 6.0% a year on average. That is 24.8% of the quarter's revenue. The same quarter a year earlier earned $24.7 M. For the full year, FY25 profit was $103 M (−10.5% on the year before). Why profit moved: revenue changed +7.3% on a year earlier and the margin moved +0.4 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed −5.7% and revenue −2.1%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does Stellar Bancorp make, and is it growing? Stellar Bancorp, Inc. reported $109 M of income in the Mar 2026 quarter, +7.3% on the same quarter a year earlier. Over 4 years it has grown 14.6% a year on average. The last full year, FY25, came in at $413 M. The last four reported quarters add to $421 M. FY25 revenue was $413 M, −4.8% on the year before. Recent pace: the last four quarters grew −2.1% on average, against 14.6% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew −2.3%, against −1.9% a year over the last 8 quarters (stabilising); profit over the last 12 months grew −7.4%, against −6.2% a year (stabilising). ## How much does Stellar Bancorp keep from what it earns? Stellar Bancorp, Inc.'s net margin was 24.8% in the Mar 2026 quarter, 0.4 percentage points higher than the same quarter a year ago. Across 5 years it has been between 19.9% and 34.1%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Stellar Bancorp's loans have gone bad? Stellar Bancorp, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Stellar Bancorp's loan book growing? Stellar Bancorp, Inc.'s revenue was $413 M in FY25, −4.8% on the year before, so the loan book is not growing. The latest quarter was +7.3% on a year earlier. The net margin on that income is 24.8%, +0.4 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Stellar Bancorp's P/BV ratio, and how does it compare with its own history? Stellar Bancorp, Inc.'s P/BV is 1.2×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.0×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 6% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +32.5%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Stellar Bancorp business getting better or worse? Stellar Bancorp, Inc.'s business is getting worse. Revenue, profit and EPS growth are shrinking: revenue growth is −2.3% in the latest quarter, against +75.7% at its best in 12 quarters, with ROE steady at 6.3%. This is based on 12 quarters of 4 measures. Why it matters: falling lines mean any ratio below that looks low should be read with that direction in mind. ## How much does Stellar Bancorp earn on its equity and assets? Stellar Bancorp, Inc. earned a return on equity of 6% in FY25. Its lowest yearly reading on file was 4% in FY22. On its assets, every $100 earned about $0.99, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 6.0% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Stellar Bancorp have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Stellar Bancorp shareholding pattern? 1.8% of Stellar Bancorp, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 2.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Stellar Bancorp from balance-sheet trouble? For Stellar Bancorp, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Stellar Bancorp rank in its industry? There is no score against its industry: Stellar Bancorp, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Stellar Bancorp compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Stellar Bancorp in size? Stellar Bancorp is the 110th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 4 November 2026). Just above it: 1st Source Corporation, First Commonwealth Financial Corporation and City Holding Company. Just below it: FirstSun Capital Bancorp, The Bancorp, Inc. and Bladex Inc. ### Banks - Regional companies close in size

1. [1st Source Corporation](https://www.sectoralpha.in/us/stocks/srce) $2.1 billion
2. [First Commonwealth Financial Corporation](https://www.sectoralpha.in/us/stocks/fcf) $2.1 billion
3. [City Holding Company](https://www.sectoralpha.in/us/stocks/chco) $2 billion
4. Stellar Bancorp, Inc. $2 billion
5. [FirstSun Capital Bancorp](https://www.sectoralpha.in/us/stocks/fsun) $2 billion
6. [The Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/tbbk) $1.9 billion
7. [Bladex Inc.](https://www.sectoralpha.in/us/stocks/blx) $1.9 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Harmony Biosciences Holdings, Inc.](https://www.sectoralpha.in/us/stocks/hrmy) $2 billion · Biotechnology
2. [Kennametal Inc.](https://www.sectoralpha.in/us/stocks/kmt) $2 billion · Tools & Accessories
3. Stellar Bancorp, Inc. $2 billion
4. [Goosehead Insurance, Inc.](https://www.sectoralpha.in/us/stocks/gshd) $2 billion · Insurance Brokers
5. [BlackLine, Inc.](https://www.sectoralpha.in/us/stocks/bl) $2 billion · Software - Application

## What else do people ask about Stellar Bancorp? ### What is Stellar Bancorp's stock price today? Stellar Bancorp, Inc.'s stock price is $39.32, +32.5% over the past year. The whole company is worth $2.0 B on the market. In the last 52 weeks it traded between $29 to $40; today it is 97% of the way up from the low, 14.2% above its 200-day average (as of 30 June 2026). ### What were Stellar Bancorp's latest quarterly results? Stellar Bancorp, Inc. reported total income of $109 M and net profit of $27.0 M for the Mar 2026 quarter. Income rose 7.3% and profit rose 9.2% compared with a year earlier. Earnings per share were $0.53. The net margin was 24.8%, 0.4 percentage points higher than a year earlier (as of 30 June 2026). ### What is Stellar Bancorp's market cap? Stellar Bancorp, Inc.'s market capitalisation is $2.0 B at a stock price of $39.32. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 30 June 2026). ### How is Stellar Bancorp performing? Stellar Bancorp, Inc.'s latest readings are below. In its latest quarter, income rose 7.3% and profit rose 9.2% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 10 weeks running. This describes what the data did, not a rating (as of 30 June 2026). ### Will Stellar Bancorp's stock price go up? This page does not forecast Stellar Bancorp, Inc.'s stock price. What it shows instead: the stock price is $39.32. Its P/BV of 1.2× is higher than 98% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 30 June 2026). ### Where is Stellar Bancorp in its business cycle? Stellar Bancorp, Inc.'s FY25 net margin was 24.9%, against a 5-year range of 19.9% to 34.1%: the middle of its own range, neither a peak nor a low. The latest quarter was 24.8%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 30 June 2026). ### What could break the Stellar Bancorp story? The main question: the share price moved +32.5% in a year while yearly earnings per share moved −7.6%. The difference came from the market paying a higher multiple. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 30 June 2026). ### Is Stellar Bancorp a stock worth studying right now? What the numbers show: Stellar Bancorp, Inc.'s share price has risen faster than its earnings: +32.5% in a year, against −7.6% for earnings per share. The main open question: whether earnings grow into a price that has already moved. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 30 June 2026). This is research, not advice. We’re not SEBI-registered.