Stellar Bancorp Inc

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.