📊 STEL Key Takeaways
Is Stellar Bancorp, Inc. (STEL) a Good Investment?
Stellar Bancorp exhibits severely depressed profitability metrics (ROE 1.6%, ROA 0.2%) with dangerously inadequate interest coverage (0.3x), signaling fundamental operational stress. Data integrity issues surrounding revenue reporting further undermine confidence in disclosed financial position and quality of underlying operations.
Stellar Bancorp, Inc. Key Strengths (STEL)
- Positive free cash flow generation of 16.2M despite operational headwinds
- Substantial liquidity position with 549.6M cash reserves
- Conservative capital structure with leverage appropriate for banking sector
STEL Stock Risks: Stellar Bancorp, Inc. Investment Risks
- Interest coverage ratio of 0.3x indicates severe difficulty servicing debt obligations and potential covenant violations
- Extremely depressed return metrics (ROE 1.6%, ROA 0.2%) demonstrate poor asset and equity utilization typical of distressed institutions
- Revenue reporting appears corrupted, creating uncertainty around data quality and masking true operational performance
Key Metrics to Watch
- Interest coverage trend and debt service capacity sustainability
- Return on assets and return on equity trajectory for improvement signals
- Non-performing loan ratios and asset quality deterioration indicators
Stellar Bancorp, Inc. (STEL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 993.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
STEL Profit Margin, ROE & Profitability Analysis
STEL vs Finance Sector: How Stellar Bancorp, Inc. Compares
How Stellar Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Stellar Bancorp, Inc. Stock Overvalued? STEL Valuation Analysis 2026
Based on fundamental analysis, Stellar Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Stellar Bancorp, Inc. Balance Sheet: STEL Debt, Cash & Liquidity
STEL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Stellar Bancorp, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.45 reflects profitable operations.
STEL Revenue Growth, EPS Growth & YoY Performance
STEL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.6M | $24.7M | $0.46 |
| Q3 2025 | $1.5M | $25.7M | $0.50 |
| Q2 2025 | $1.6M | $26.4M | $0.51 |
| Q1 2025 | $1.6M | $24.7M | $0.46 |
| Q3 2024 | $1.6M | $30.9M | $0.58 |
| Q2 2024 | $1.6M | $29.8M | $0.56 |
| Q1 2024 | $1.3M | $26.1M | $0.49 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Stellar Bancorp, Inc. Dividends, Buybacks & Capital Allocation
STEL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Stellar Bancorp, Inc. (CIK: 0001473844)
📋 Recent SEC Filings
❓ Frequently Asked Questions about STEL
What is the AI rating for STEL?
Stellar Bancorp, Inc. (STEL) has an AI grade of C with 55% confidence, based on fundamental analysis of SEC EDGAR filings.
What are STEL's key strengths?
Claude: Positive free cash flow generation of 16.2M despite operational headwinds. Substantial liquidity position with 549.6M cash reserves.
What are the risks of investing in STEL?
Claude: Interest coverage ratio of 0.3x indicates severe difficulty servicing debt obligations and potential covenant violations. Extremely depressed return metrics (ROE 1.6%, ROA 0.2%) demonstrate poor asset and equity utilization typical of distressed institutions.
What is STEL's revenue and growth?
Stellar Bancorp, Inc. reported revenue of $1.6M.
Does STEL pay dividends?
Stellar Bancorp, Inc. pays dividends, with $7.8M distributed to shareholders in the trailing twelve months.
Where can I find STEL SEC filings?
Official SEC filings for Stellar Bancorp, Inc. (CIK: 0001473844) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is STEL's EPS?
Stellar Bancorp, Inc. has a diluted EPS of $0.53.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is STEL's fundamental grade?
Based on our AI fundamental analysis in June 2026, Stellar Bancorp, Inc. has a C grade with 55% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is STEL stock overvalued or undervalued?
Valuation metrics for STEL: ROE of 1.6% (sector avg: 12%), net margin of 1,649.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is STEL's AI grade for 2026?
Our dual AI analysis gives Stellar Bancorp, Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is STEL's free cash flow?
Stellar Bancorp, Inc.'s operating cash flow is $16.5M, with capital expenditures of $268.0K. FCF margin is 993.3%.
How does STEL compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,649.3% (avg: 25%), ROE 1.6% (avg: 12%), current ratio N/A (avg: 1.2).