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 4.55%, its profits have fallen by -8.6%
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.
43.93%
1.82
26.76%
S&P 500
25.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
32.88%
EBIT Growth (5y)
23.60%
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
28.71%
Pledged Shares
0
Institutional Holding
68.25%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.11
EV to EBIT
14.52
EV to EBITDA
11.15
EV to Capital Employed
1.15
EV to Sales
2.48
PEG Ratio
NA
Dividend Yield
1.67%
ROCE (Latest)
7.89%
ROE (Latest)
6.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 105.93 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 36.69 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.28 %
PRE-TAX PROFIT(Q)
Highest at USD 36.69 MM
NET PROFIT(Q)
Highest at USD 29.64 MM
EPS(Q)
Highest at USD 0.53
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Stellar Bancorp, Inc.
NII
Highest at USD 105.93 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 36.69 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.28 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 36.69 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 29.64 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Stellar Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.8%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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