Question 1

How big is Stellar Bancorp, Inc.?

Accepted Answer

Market Cap: As of Jun 18, Stellar Bancorp, Inc. has a market capitalization of 1,383.79 million, classifying it as a Micro Cap company.Recent Quarterly Performance: For the latest four quarters, Stellar Bancorp, Inc. reported a sum of Net Profit amounting to 116.16 million.Balance Sheet Snapshot: As of Dec'24, the company reported Shareholder's Funds of 1,607.86 million and Total Assets of 10,928.34 million.

Question 2

What does Stellar Bancorp, Inc. do?

Accepted Answer

Overview:  Stellar Bancorp, Inc. is a bank holding company for Community Bank of Texas, N.A., providing commercial banking solutions to local small and mid-sized businesses and professionals in the Major Banks industry.Financial Snapshot:  Most recent Net Sales: 142 Million (Quarterly Results - Mar 2025)  Most recent Net Profit: 25 Million (Quarterly Results - Mar 2025)  Market cap: USD 1,383.79 Million (Micro Cap)Key Metrics:  P/E: 12.00  Dividend Yield: 73.19%  Debt Equity: 0.00  Return on Equity: 7.21%  Price to Book: 0.86Contact Details:  Address: 9 Greenway Plz Ste 110, HOUSTON TX : 77046-0921  Tel: ['1 713 2107600', '1 281 3255013']  Website: https://ir.cbtxinc.com/investor-relations

Question 3

Who are in the management team of Stellar Bancorp, Inc.?

Accepted Answer

As of March 2022, the management team of Stellar Bancorp, Inc. includes the following individuals:- Mr. Robert Franklin, who serves as the Chairman of the Board, President, and Chief Executive Officer.- Mr. J. Parsons, who is the Vice Chairman of the Board.- Mr. Michael Havard, Mr. Tommy Lott, Mr. Glen Morgan, Mr. Joe Penland, and Mr. Joseph Swinbank, all of whom are Independent Directors. This team is responsible for guiding the company's strategic direction and governance.

Question 4

Is Stellar Bancorp, Inc. overvalued or undervalued?

Accepted Answer

As of 30 January 2025, Stellar Bancorp, Inc. has moved from an attractive to a fair valuation grade. The company appears to be fairly valued at this time. Key ratios include a P/E ratio of 12, a Price to Book Value of 0.89, and an EV to EBITDA of 7.12. In comparison, its peer Pathward Financial, Inc. has a P/E of 9.68, indicating that Stellar is priced higher relative to its earnings.The company's return on equity (ROE) stands at 7.21%, while the return on capital employed (ROCE) is 9.44%, which are moderate figures in the context of its valuation. Notably, Stellar's dividend yield is exceptionally high at 92.24%, which may attract income-focused investors despite its recent performance lagging behind the S&P 500 over longer periods. Overall, the analysis suggests that Stellar Bancorp, Inc. is fairly valued in the current market environment.

Question 5

Is Stellar Bancorp, Inc. technically bullish or bearish?

Accepted Answer

As of 19 September 2025, the technical trend for Stellar Bancorp, Inc. has changed from bullish to mildly bullish. The weekly MACD and KST indicators are bullish, while the daily moving averages also indicate a mildly bullish stance. However, the Dow Theory suggests a mildly bearish outlook on both weekly and monthly time frames. The Bollinger Bands are mildly bullish on both weekly and monthly periods. In terms of performance, the stock has underperformed the S&P 500 over the last week and month, with returns of -1.58% and -1.65% compared to the S&P 500's 1.22% and 3.95%, respectively. Year-to-date, the stock has gained 7.34%, but this is still below the S&P 500's 13.31%. Overall, the current technical stance is mildly bullish, but with caution due to mixed signals from various indicators.

Stellar Bancorp, Inc.

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How big is Stellar Bancorp, Inc.?

What does Stellar Bancorp, Inc. do?

Who are in the management team of Stellar Bancorp, Inc.?

Is Stellar Bancorp, Inc. overvalued or undervalued?

Is Stellar Bancorp, Inc. technically bullish or bearish?

Compare Stellar Bancorp, Inc. with Similar Stocks

Dashboard

High Profitability with a Net Interest Margin of 23.41%

The Bank has a high Capital Adequacy Ratio of 13.56% signifying high buffers against its risk based assets

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%

Flat results in Jun 25

With ROA of 0.70%, it has a fair valuation with a 0.89 Price to Book Value

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About Stellar Bancorp, Inc.

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