Stellar Bancorp, Inc.

NASDAQ•STEL

執行長: Mr. Steven F. Retzloff

板塊: Financial Services

行業: 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.

聯絡資訊

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

713-210-7600

ir.stellarbancorpinc.com

市值

$1.91B

本益比 (TTM)

18.7

15.4

股息率

1.5%

52周最高

$40.21

52周最低

$24.59

52周範圍

84%

排名46Top 59.5%

3.5

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3.5 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$149.55M-3.55%

近4季度走勢

每股收益

$0.51-1.92%

近4季度走勢

自由現金流

$12.03M-100.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
FRME	$2.61B	10.5	9.5%	5.3%
MBIN	$2.20B	10.0	9.9%	19.8%
FCF	$1.92B	12.7	10.1%	3.7%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

0.4%

溫和增長

4季度淨利複合增長率

1.9%

盈利能力緩慢提升

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月23日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

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