ScoreWhy is Stellar Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 23.41%
2
The Bank has a high Capital Adequacy Ratio of 13.56% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 26.06%
4
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 83.49 MM
- NII(Q) Lowest at USD 98.33 MM
5
With ROA of 0.70%, it has a fair valuation with a 0.89 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.27%, its profits have fallen by -8.6%
6
Underperformed the market in the last 1 year
- The stock has generated a return of 2.27% in the last 1 year, much lower than market (S&P 500) returns of 13.22%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Stellar Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Stellar Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Stellar Bancorp, Inc.
2.27%
1.74
26.79%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
31.65%
EBIT Growth (5y)
20.15%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.66%
Pledged Shares
0
Institutional Holding
60.66%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.89
EV to EBIT
9.07
EV to EBITDA
7.12
EV to Capital Employed
0.86
EV to Sales
1.75
PEG Ratio
NA
Dividend Yield
92.24%
ROCE (Latest)
9.44%
ROE (Latest)
7.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 27.4%
CASH AND EQV(HY)
Highest at USD 266.99 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 83.49 MM
NII(Q)
Lowest at USD 98.33 MM
Here's what is working for Stellar Bancorp, Inc.
Cash and Eqv
Highest at USD 266.99 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 27.4%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Stellar Bancorp, Inc.
Operating Cash Flow
Lowest at USD 83.49 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
NII
Lowest at USD 98.33 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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