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STEL · Stellar Bancorp, Inc.

Track STEL — free
$39.32 +0.02 (+0.05%) At close · Jun 30
Market Cap
$2.00B
Shares
50.92M

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 Available close range$39.32–39.32 Avg vol available · 1d5.9M Short int773K · 1.5% float · 1.0d Short vol46% Last earningsJan 28, 2026 DataJun 2026–Jun 2026 Filing10-Q · Apr 28

The closing range uses available history since Jun 30, 2026; less than a full year is stored.

Up next

FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Apr 28, 2026

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Limited Momentum Limited Sentiment Bearish Fundamentals Fair Quant / Vol Limited
Market backdrop VIX 14.3 · calm Equity put/call 0.52
Technical
price trend
Limited
Not enough data for a confident read.
Momentum
relative strength
Limited
Not enough data for a confident read.
Sentiment
smart money
Bearish
Trend (MA cross) No cross
50/200-day averages unavailable
Institutional flow Distributing
-9% holders QoQ · +31 funds added
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 Steady
209 holders — mid 3-yr range
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 $391.8M
net cash
Quant / Vol
risk profile
Limited
Not enough data for a confident read.

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

Guidance & track record

Prior guidance period ended · from the Earnings Call filed Dec 31, 2024
Non-interest expense · For 2025 $295M

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral
0 · 1 · 0
50 / 200-day cross
No cross Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50/200-day averages unavailable
Institutional flow Distributing
-9% holders QoQ · +31 funds added
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 Steady
209 holders — mid 3-yr range
Price context
position in its available closing range
Price range unavailable — no recent comparable closes.

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

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Adjusted net income non-GAAP $29.58M Q1 2026
Adjusted pre-tax, pre-provision income non-GAAP $39.18M Q1 2026
Pre-tax, pre-provision income non-GAAP $35.88M Q1 2026
Allowance for credit losses on loans as a percentage of total loans 1.15% December 31, 2025
Nonperforming assets as a percentage of total assets 0.56% December 31, 2025
Repurchased shares 299,347 the fourth quarter of 2025

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

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 -2.3% 19.1 1.5%
MFG
Mizuho Financial Group Inc
$132.42B +48.5% 0.1%
HDB
Hdfc Bank Ltd
$120.05B -36.0% +15.2% 0.5%
IBN
Icici Bank Ltd
$108.39B -0.2% 0.5%
PNC
Pnc Financial Services Group, Inc.
$102.52B +23.1% +7.2% 14.1 1.8%

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
209
% held
63.9%
Net QoQ
-701.0K sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
215
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
1
Value
$39
As of
Jul 2, 2026
View
Off-Exchange
Off-exchange %
36.5%
Week of
Jun 29, 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
SPY +1.8% -1.6% +7.9% -1.3% +9.5%
vs SPY

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) 199 filings 198 filers Visit website Investor relations