Stellar Bancorp, Inc.

NASDAQ•STEL

CEO: Mr. Steven F. Retzloff

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

713-210-7600

ir.stellarbancorpinc.com

時価総額

$1.86B

PER (TTM)

18.1

14.6

配当利回り

1.6%

52週高値

$40.21

52週安値

$24.13

52週レンジ

76%

順位46Top 59.5%

3.5

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.5 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$149.55M-3.55%

直近4四半期の推移

EPS

$0.51-1.92%

直近4四半期の推移

フリーCF

$13.71M-100.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

MBIN

$1.36B

-5.9%

FRME

$1.05B

-0.3%

LOB

$1.04B

+12.0%

粗利益率 (最新四半期)

TCBK

79.7%

+5.9pp

CHCO

79.3%

+4.6pp

GABC

74.0%

+2.9pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
FRME	$2.37B	9.5	9.5%	5.3%
MBIN	$1.92B	8.8	9.9%	19.8%
STEL	$1.86B	18.1	6.3%	0.4%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

0.4%

緩やかな成長

4四半期純利益CAGR

1.9%

収益性の緩やかな改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月23日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし