Stellar Bancorp, Inc.

NASDAQ•STEL

CEO: Mr. Steven F. Retzloff

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2017-11-08

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 accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, such as home equity and home improvement loans, and home equity lines of credit; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, and drive-through services; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Contact Information

9 Greenway Plaza, Suite 110, Houston, TX, 77046, United States

713-210-7600

ir.stellarbancorpinc.com

Market Cap

$1.91B

P/E (TTM)

18.2

21.6

Dividend Yield

1.5%

52W High

$40.21

52W Low

$24.62

52W Range

83%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$143.59M+0.00%

4-Quarter Trend

EPS

$0.53+0.00%

4-Quarter Trend

FCF

$16.24M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Pending Prosperity Merger Announced Agreement signed January 2026 to merge with Prosperity Bancshares; expected closing Q2 2026 for $11.36 cash plus stock consideration.

Net Income Declines 10.5% 2025 Net Income fell to $102.9M from $115.0M last year; diluted EPS dropped to $1.99 from $2.15.

Asset Quality Shows Stress Nonperforming assets rose to $60.0M (0.56% of assets) from $38.9M (0.36%); provision expense increased to $10.2M.

Strong Capital Ratios Maintained Consolidated CET1 ratio remains robust at 14.18% and Tier 1 Leverage ratio at 11.52% as of year-end 2025.

Risk Factors

Merger Completion Uncertainty Risk of failing to complete the Prosperity merger due to regulatory hurdles or shareholder approval, potentially incurring $78.0M termination fee.

Net Interest Margin Compression Tax-equivalent NIM decreased 4 basis points to 4.20% due to lower average loan yields and purchase accounting adjustments.

Deteriorating Loan Portfolio Quality Commercial real estate loans comprise 51.6% of portfolio; NPL ratio increased significantly, pressuring allowance adequacy.

Operational Reliance on Technology High dependency on third-party IT providers creates risk from security breaches or operational failures impacting service delivery.

Outlook

Post-Merger Integration Focus Management attention diverted to completing the Prosperity merger; uncertainty may affect employee retention and customer relationship continuity.

Economic Sensitivity Remains High Business success heavily concentrated in Houston/Beaumont MSAs, sensitive to regional economic downturns and real estate market volatility.

Scalable Platform Supports Growth Community banking strategy leverages scalable platform to foster organic growth and capitalize on disciplined future acquisition opportunities.

Regulatory Compliance Costs Continued compliance costs expected due to highly regulated industry status and evolving federal consumer protection laws and guidance.

Peer Comparison

Revenue (TTM)

MBIN

$1.37B

-2.4%

LOB

$1.06B

+12.7%

FRME

$1.05B

+0.8%

Gross Margin (Latest Quarter)

CHCO

79.9%

+4.6pp

TCBK

77.8%

+5.9pp

GABC

76.5%

+2.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
FRME	$2.56B	12.4	8.0%	7.8%
MBIN	$2.14B	9.4	10.1%	0.0%
STEL	$1.91B	18.2	6.4%	1.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-1.1%

Flat Growth

4Q Net Income CAGR

0.8%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:May 1, 2026

EPS:$0.50

Revenue:$108.41M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data