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    S

    Stellar Bancorp, Inc. (STEL)

    Official site

    BANKS - REGIONAL

    $39.32
    +0.00 (+0.00%)

    Last updated: Jul 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    83%(29/35)
    Avg Surprise
    +7.09%
    Streak
    13 Q

    Upcoming Estimates

    Period ending Jun 30, 2026
    EPS Consensus$0.56
    Range$0.56 - $0.56
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.53+5.7%
    60d ago$0.53+5.7%
    30d ago$0.53+5.7%
    7d ago$0.53+5.7%
    Current$0.56
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Period ending Sep 30, 2026
    EPS Consensus$0.57
    Range$0.57 - $0.57
    1 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.56+1.8%
    60d ago$0.56+1.8%
    30d ago$0.56+1.8%
    7d ago$0.56+1.8%
    Current$0.57
    Revenue Consensus
    $113M
    Range$113M - $113M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.53---
    Sep 26EST
    		-$0.57---
    Jun 26EST
    		-$0.56---
    Mar 26
    Reported Apr 28
    		$0.53$0.50+6.00%Beat+15.2%
    Dec 25
    Reported Jan 28
    		$0.51$0.51+0.00%Beat-1.9%
    Sep 25
    Reported Oct 24
    		$0.50$0.49+2.04%Beat-20.6%
    Jun 25
    Reported Jul 25
    		$0.51$0.45+13.33%Beat-8.9%
    Mar 25
    Reported Apr 25
    		$0.46$0.44+4.55%Beat-6.1%
    Dec 24
    Reported Jan 30
    		$0.52$0.49+6.12%Beat-16.1%
    Sep 24
    Reported Oct 25
    		$0.63$0.49+28.57%Beat+0.0%
    Jun 24
    Reported Jul 26
    		$0.56$0.48+16.67%Beat-20.0%
    Mar 24
    Reported Apr 26
    		$0.49$0.48+2.08%Beat-38.0%
    Dec 23
    Reported Jan 26
    		$0.62$0.55+12.73%Beat+138.5%
    Sep 23
    Reported Oct 27
    		$0.63$0.57+10.53%Beat-44.2%
    Jun 23
    Reported Jul 28
    		$0.70$0.68+2.94%Beat+45.8%
    Mar 23
    Reported Apr 28
    		$0.79$0.72+9.72%Beat+107.9%
    Dec 22
    Reported Jan 27
    		$0.26N/A-66.23%Miss-25.7%
    Sep 22
    Reported Oct 28
    		$1.13$0.91+24.18%Beat+91.5%
    Jun 22
    Reported Jul 28
    		$0.48$0.42+14.29%Beat+0.0%
    Mar 22
    Reported Apr 28
    		$0.38$0.32+18.75%Beat-7.3%
    Dec 21
    Reported Jan 27
    		$0.35$0.33+6.06%Beat-14.6%
    Sep 21
    Reported Oct 27
    		$0.59$0.37+59.46%Beat+126.9%
    Jun 21
    Reported Jul 28
    		$0.48$0.41+17.07%Beat+433.3%
    Mar 21
    Reported Apr 28
    		$0.41$0.35+17.14%Beat+36.7%
    Dec 20
    Reported Jan 27
    		$0.41$0.27+51.85%Beat-18.0%
    Sep 20
    Reported Oct 28
    		$0.26$0.26+0.00%Beat-50.0%
    Jun 20
    Reported Jul 29
    		$0.09N/A-57.14%Miss-84.2%
    Mar 20
    Reported Apr 30
    		$0.30$0.32-6.25%Miss-28.6%
    Dec 19
    Reported Jan 29
    		$0.50$0.49+2.04%Beat-10.7%
    Sep 19
    Reported Oct 24
    		$0.52$0.49+6.12%Beat+0.0%
    Jun 19
    Reported Jul 25
    		$0.57$0.47+21.28%Beat+29.5%
    Mar 19
    Reported Apr 30
    		$0.42$0.46-8.70%Miss+13.5%
    Dec 18
    Reported Jan 30
    		$0.56$0.48+16.67%Beat+80.6%
    Sep 18
    Reported Oct 25
    		$0.52$0.46+13.04%Beat+15.6%
    Jun 18
    Reported Jul 26
    		$0.44$0.40+10.00%Beat-
    Mar 18
    Reported Apr 26
    		$0.37$0.38-2.63%Miss-
    Dec 17
    Reported Jan 31
    		$0.31$0.34-8.82%Miss-
    Sep 17
    Reported Dec 14
    		$0.45$0.43+4.65%Beat-

    Dividends

    Dividend Metrics

    Forward Yield1.50%
    Forward Annual Dividend$0.59
    Payout Ratio28.70%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+3.11%
    5Y CAGR+7.34%
    STEL dividend history and ex-dividend datesRun STEL in the free DRIP calculator

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit MarginN/AOperating MarginN/A
    ROEN/AROICN/A
    Financial Health
    Debt/EquityN/AInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    BetaN/AAvg VolumeN/A
    52-Week HighN/A52-Week LowN/A

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$39.00
    SMA 20$38.45
    SMA 50$37.67
    SMA 200$34.22
    EMA 10$39.03
    EMA 20$38.58
    EMA 50$37.83
    EMA 200$34.68

    MACD

    Line: 0.55Signal: 0.47Hist: 0.07

    ADX

    ADX: 14.5+DI: 21.1-DI: 17.8

    Aroon & PSAR

    Aroon Up92.0
    Aroon Down20.0
    PSAR$39.67

    Bollinger Bands

    Upper Band$39.99
    Lower Band$36.90
    %B Position803%(Upper)
    Band Width0.78

    RSI (14-Day)

    Neutral
    65.2

    Momentum Oscillators

    Stoch %K79.5
    Stoch %D86.4
    Williams %R-21.3
    ROC (10d)1.9%
    Momentum0.73
    CCI (20d)104.5
    MFI (14d)43.9

    Volatility Measures

    ATR (14d)$0.51(1.3%)
    StdDev (20d)0.77
    Hist Vol11.7%(Low)

    Volume Flow

    VWAP$39.32
    OBV24.6M
    AD Line-100.6M
    CMF (20d)0.403

    Volume Metrics

    Avg Vol (20d)796.5K
    Vol RatioN/A
    VWMA (20d)$38.87

    Pivot Points

    R3$40.04
    R2$39.68
    R1$39.50
    Pivot Point$39.14
    S1$38.96
    S2$38.60
    S3$38.42

    Advanced Oscillators

    TSI28.79
    Ultimate Osc68.9
    KST46.14

    Financial Data

    QuarterMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
    Total Revenue$111.04M$108.89M$105.63M$104.13M$104.76M$107.99M$107.81M$106.83M$108.41M$112.82M$111.42M$113.76M
    Cost of Revenue$41.66M$45.79M$45.07M$45.45M$46.69M$48.01M$44.28M$48.83M$50.40M$47.29M$46.86M$40.59M
    Gross Profit$101.93M$103.76M$105.33M$103.04M$101.13M$107.05M$113.79M$108.76M$104.32M$111.77M$109.10M$111.85M
    Operating Expenses$75.16M$72.16M$73.14M$70.00M$70.17M$75.27M$71.07M$71.22M$71.41M$77.94M$70.75M$69.21M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$33.38M$31.60M$32.18M$33.03M$30.96M$31.78M$42.73M$37.55M$32.91M$33.83M$38.35M$42.64M
    Interest Income$145.09M$144.04M$145.41M$142.70M$142.32M$150.02M$151.78M$152.18M$148.42M$152.18M$151.27M$146.96M
    Interest Expense$39.16M$40.66M$44.77M$44.36M$43.06M$47.06M$50.27M$50.77M$46.30M$46.24M$44.55M$38.68M
    Income Before Tax$33.38M$31.60M$32.18M$33.03M$30.96M$31.78M$42.73M$37.55M$32.91M$33.83M$38.35M$42.64M
    Income Tax Expense$6.41M$5.45M$6.51M$6.68M$6.26M$6.57M$8.84M$7.79M$6.76M$6.56M$7.45M$7.47M
    Net Income$26.97M$26.15M$25.67M$26.35M$24.70M$25.21M$33.89M$29.75M$26.15M$27.27M$30.91M$35.17M
    EBITDA$33.91M$53.36M$34.30M$34.88M$37.21M$31.89M$26.47M$56.19M$35.20M$-3,276,000$50.72M$63.13M
    EBIT$33.38M$31.60M$32.18M$33.03M$30.96M$31.78M$42.73M$37.55M$32.91M$33.83M$38.35M$42.64M
    * Some calculated fields are derived from available data when not provided by source

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    STEL Competitors

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    Sector: Financial Services

    STEL Bull Case vs Bear Case

    Bull case

    • STEL beat EPS estimates in 87.5% of its last 8 reported quarters.

    STEL Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    9.7%
    EPS estimate (fiscal period ending Jun 30, 2026)
    $0.56
    Estimate revisions (30 days, fiscal period ending Jun 30, 2026)
    0 up, 1 down

    STEL Dividend

    Forward yield
    1.5%
    Payout ratio
    28.7%
    3Y DPS growth
    3.1%
    5Y DPS growth
    7.3%
    Pay months
    Mar, Jun, Sep, Dec
    STEL dividend history

    Frequently Asked Questions About STEL

    What is STEL's current dividend yield?

    Stellar Bancorp, Inc. (STEL) has a forward dividend yield of 1.50%.

    Does STEL pay dividends?

    Yes, Stellar Bancorp, Inc. pays dividends with a forward dividend yield of 1.50%.

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