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STEL

Stellar Bancorp, Inc.
$39.32 +0.01 (+0.03%) At close · Jun 30
Market Cap
$2.00B
Shares
50,920,698

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$39.32 Open$39.25 Day$38.78–39.32 52W$27.51–40.04 Avg vol 30d574K Short int773K · 1.5% float · 1.0d Short vol46% Last earningsJan 28, 2026 DataJan 2020–Jun 2026 Filing10-Q · Apr 28
Up next
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Apr 28, 2026
Equibles Rating blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Strong Buy Momentum Very Strong Sentiment Neutral Fundamentals Fair Quant / Vol Very Low
Market backdrop VIX 15 · calm Equity put/call 0.55
Technical
price trend
Strong Buy
50 / 200-day cross No cross
Price vs 200-day avg +14%
above
Price vs 50-day avg +4%
above
RSI (14) 65
neutral
MACD trend Positive
52-week position 94%
near high
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Strong
1-month return +7%
trailing
6-month return +26%
trailing
YTD return +28%
this year
Relative strength +18%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $38 › 200d $34 — 50d above 200d
Institutional flow Distributing
10 of 227 funds reported for Jun 30 · net -153 sh shares · +2 new
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
1.52% of float · ▲ +5.8% MoM · 1.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
227 holders — near 3-yr high, broad support
Squeeze score 56
elevated · 0–100
Fundamentals
Fair
Revenue growth −2%
Y/Y
EPS growth −7%
Y/Y
Free cash flow $92.6M
Valuation P/E 19.1
rich
Buyback $125.0M
authorized
Balance sheet $419.5M
net cash
Quant / Vol
risk profile
Very Low
Volatility 24%
annualized · 1-yr
Max drawdown −12%
past year
ATR 1.3%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Strong Buy
0 · 3 · 4
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+14% Bullish
Price vs 50-day avg
+4% Bullish
RSI (14)
65 Neutral
MACD trend
Positive Bullish
52-week position
94% Bullish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $38 › 200d $34 — 50d above 200d
Institutional flow Distributing
10 of 227 funds reported for Jun 30 · net -153 sh shares · +2 new
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
1.52% of float · ▲ +5.8% MoM · 1.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
227 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $28 Now $39 · 94% 52-wk high $40
vs 200-day avg +14% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings
Metric Latest Period YoY
Allowance for credit losses on loans as a percentage of total loans 1.15% Q4 2025
Nonperforming assets as a percentage of total assets 0.56% Q4 2025
Tax equivalent net interest margin 4.21% Q4 2025

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
STEL
Stellar Bancorp, Inc.
this stock
$2.00B +27.6% -2.3% 19.1 1.5%
HDB
Hdfc Bank Ltd
$136.10B -27.4% +15.2% 0.4%
MFG
Mizuho Financial Group Inc
$127.67B +43.2% 0.1%
IBN
Icici Bank Ltd
$104.01B -2.7% 0.7%
PNC
Pnc Financial Services Group, Inc.
$101.16B +21.6% +7.2% 14.6 1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
229
% held
63.5%
Reported
10 of 227
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
211
View
Short & Settlement
Short Interest Rising
Shares short
772.9K
Days to cover
1.0d
Change
+42.1K sh
View
Short Volume
Short vol %
46%
As of
Jun 30, 2026
Short Total
View
Fails to Deliver
FTD shares
935
Value
$35.1K
As of
Jun 8, 2026
View
Off-Exchange
Off-exchange %
35.9%
Week of
May 4, 2026
Off-exch Lit
View
Financials
Financials
Net income (FY)
$102.9M
EPS diluted
$1.99
View
Buybacks
Authorized · 2 programs
$125.0M
View
Filings
SEC Filings
Latest
8-K
Filed
Jul 1, 2026
This year
14
View
Proposed Sales
Value
$150.2K
Shares
5.0K
Filed
Nov 18, 2024
View
Earnings & Events
Earnings Calls
Last call
Jan 28, 2026
View

Performance

5D 20D 120D MTD YTD
STEL +1.1% +6.9% +25.6% +5.3% +27.6%
SPY +1.8% -1.6% +7.9% -1.3% +9.5%
vs SPY -0.7% +8.5% +17.7% +6.6% +18.1%

Capital returns

Latest dividend
$0.15 / share · ex Jun 15, 2026
Raised 7.1%
Paid (TTM)
$0.59 / share · 4 payouts
Dividend yield (TTM, derived)
1.50%
Buyback programs · 2 active · as of Apr 23, 2025
Authorized (total)
$125.00M
Spent (derived)
Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1473844 CUSIP 858927106 13F (30d) 12 filings 11 filers Visit website Investor relations