Stellar Bancorp, Inc.

NASDAQ•STEL

CEO: Mr. Steven F. Retzloff

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

713-210-7600

ir.stellarbancorpinc.com

市值

$1.90B

市盈率 (TTM)

18.6

15.5

股息率

1.5%

52周最高

$40.21

52周最低

$24.59

52周范围

82%

排名46Top 59.5%

3.5

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

疲弱 • 3.5 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$149.55M-3.55%

近4季度走势

每股收益

$0.51-1.92%

近4季度走势

自由现金流

$12.03M-100.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

MBIN

$1.36B

-5.9%

FRME

$1.05B

-0.3%

LOB

$1.04B

+12.0%

毛利率 (最新季度)

TCBK

79.7%

+5.9pp

CHCO

79.3%

+4.6pp

GABC

74.0%

+2.9pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
FRME	$2.59B	10.4	9.5%	5.3%
MBIN	$2.18B	10.0	9.9%	19.8%
FCF	$1.92B	12.7	10.1%	3.7%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

0.4%

温和增长

4季度净利润复合增长率

1.9%

盈利能力缓慢改善

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年4月23日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据