Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Stellar Bancorp, Inc. (STEL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
04/01/2025: STEL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -20.17% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.46B USD | Price to earnings Ratio 12.87 | 1Y Target Price 30.6 |
Price to earnings Ratio 12.87 | 1Y Target Price 30.6 | ||
Volume (30-day avg) 237751 | Beta 0.79 | 52 Weeks Range 20.96 - 32.05 | Updated Date 04/1/2025 |
52 Weeks Range 20.96 - 32.05 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.02% | Basic EPS (TTM) 2.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.5% | Operating Margin (TTM) 36.43% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 7.35% |
Valuation
Trailing PE 12.87 | Forward PE 14.88 | Enterprise Value 641754944 | Price to Sales(TTM) 3.38 |
Enterprise Value 641754944 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 3.56 | Enterprise Value to EBITDA - | Shares Outstanding 52950100 | Shares Floating 47842571 |
Shares Outstanding 52950100 | Shares Floating 47842571 | ||
Percent Insiders 10.06 | Percent Institutions 59.14 |
Analyst Ratings
Rating 3.6 | Target Price 30.8 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Stellar Bancorp, Inc.
Company Overview
History and Background
Stellar Bancorp, Inc. was formed through the merger of Stellar Bancorp, Inc. and Independent Bank Group, Inc. in 2024. The company aims to create a leading Texas-based regional bank with a focus on commercial and retail banking services.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of various sizes, including commercial real estate and equipment financing.
- Retail Banking: Offers personal banking services such as checking and savings accounts, mortgage loans, and credit cards to individual customers.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of executives from both legacy companies, with a board of directors overseeing the company's strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and acquisitions. Data on market share is still developing post-merger. Key competitors include other regional banks like Prosperity Bancshares (PB) and Texas Capital Bancshares (TCBI).
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Data on market share is still developing post-merger. Competitors include national mortgage lenders such as Rocket Mortgage and local credit unions.
- Treasury Management Services: Cash management, payment processing, and other treasury services for businesses. Revenue data is not publicly available at this granular level. Competitors include large national banks such as JP Morgan Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory scrutiny, and technological disruption. Consolidation is a growing trend.
Positioning
Stellar Bancorp, Inc. aims to be a leading Texas-based regional bank, leveraging its expanded footprint and service offerings to compete with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in Texas is estimated to be in the hundreds of billions of dollars. Stellar Bancorp, Inc. is positioning itself to capture a larger share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong Texas market presence
- Diversified revenue streams
- Experienced management team
- Improved scale and efficiency due to merger
Weaknesses
- Integration risks from merger
- Reliance on Texas economy
- Potential for loan losses in economic downturn
- Relatively new entity, less brand recognition than larger competitors
Opportunities
- Expand into new Texas markets
- Increase market share through targeted marketing
- Develop new digital banking services
- Acquire smaller community banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic slowdown in Texas
Competitors and Market Share
Key Competitors
- PB
- TCBI
- CMA
Competitive Landscape
Stellar Bancorp, Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its Texas market focus and personalized service.
Major Acquisitions
Independent Bank Group, Inc.
- Year: 2024
- Acquisition Price (USD millions): N/A - Merger
- Strategic Rationale: The merger created a larger, more diversified regional bank with enhanced scale and profitability.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is based on the performance of the legacy companies before the merger.
Future Projections: Future growth projections are based on analyst estimates and management guidance, which anticipate increased profitability and market share gains.
Recent Initiatives: Recent initiatives include integrating the two legacy banks, expanding commercial lending operations, and investing in digital banking technologies.
Summary
Stellar Bancorp, Inc. is a newly formed regional bank created through a merger, poised to benefit from its strong presence in the Texas market. Integrating the two legacy banks and navigating the competitive landscape will be key challenges. The company's success depends on executing its growth strategy and maintaining a strong credit profile. Further market consolidation presents both opportunities and risks.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
PB
Prosperity Bancshares Inc
PB
Prosperity Bancshares Inc
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Press Releases
- Analyst Reports
Disclaimers:
Financial data and market share estimates are subject to change. This analysis is for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Stellar Bancorp, Inc.
Exchange NYSE | Headquaters Houston, TX, United States | ||
IPO Launch date 2002-01-22 | CEO & Director Mr. Robert R. Franklin Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1023 | Website https://ir.stellarbancorpinc.com |
Full time employees 1023 | Website https://ir.stellarbancorpinc.com | ||
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 offers deposit products that includes checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository, direct deposits, cashier's checks and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.