Lumida
/STEL
⌘K
Stellar Bancorp Inc

Stellar Bancorp Inc

STEL
$39.32USD+0.03%+0.01 today

MARKET CAP

2.0B

P/E (TTM)

19.1x

FWD P/E

DAY RANGE

$39 – $39

52W RANGE

$28
$40

AI Summary

Stalk
Buy NowMedium

STEL remains in a Stage 2 advance driven by a persistent Higher Highs & Higher Lows pattern and supportive EMAs. Price is consolidating above the 9, 21, and 50 EMAs with pullbacks held by the cluster, offering a favorable entry opportunity. Volume expands on rallies and contracts on pullbacks, confirming continuation bias. OB/OS and RSI levels are neutral, reducing timing constraints. A sustained break below the EMA cluster would invalidate the bullish stance.

  • Q3 net income climbed 13.8% QoQ to $33.9M (63¢ EPS), delivering ROAA 1.27% and ROATCE 13.63%.
  • Q2 2025 loan originations doubled YOY to $640M, driven by a robust pipeline.
  • 44% of year‐to‐date loan payoffs tied to CRE collateral and business sales.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$343.3M$615.4M$625.4M$596.3M
YoY %+79.2%+1.6%-4.7%
P / Sales3.0x2.4x2.4x2.7x
EV / Sales30.5x17.0x16.6x17.9x
Gross Profit, Adj.$309.3M$461.3M$431.0M$423.4M
YoY %+49.1%-6.6%-1.8%
Margin %90.1%75.0%68.9%71.0%
EV / Gross Profit33.9x22.7x24.1x25.1x
EBITDA, Adj.$86.7M$177.4M$145.0M$127.8M
YoY %+104.7%-18.3%-11.9%
Margin %25.2%28.8%23.2%21.4%
EV / EBITDA120.8x59.0x71.7x83.3x
EBIT$62.5M$161.9M$145.0M$127.8M
YoY %+158.9%-10.5%-11.9%
Margin %18.2%26.3%23.2%21.4%
EV / EBIT167.5x64.7x71.7x83.3x
Net Income$51.4M$130.5M$115.0M$102.9M
YoY %+153.7%-11.9%-10.5%
Net Margin15.0%21.2%18.4%17.3%
EPS (GAAP)$1.47$2.45$2.15$1.99
YoY %+66.7%-12.2%-7.4%