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STEL Stock Forecast 2025-2026
$31.66
Current Price
$1.63B
Market Cap
Buy 1
Hold 4
Sell 0
Wall St Analyst Ratings
Distance to STEL Price Targets
+4.2%
To High Target of $33.00
+1.1%
To Median Target of $32.00
-5.2%
To Low Target of $30.00
STEL Price Momentum
+0.2%
1 Week Change
+6.5%
1 Month Change
+1.5%
1 Year Change
+11.7%
Year-to-Date Change
-2.2%
From 52W High of $32.38
+31.2%
From 52W Low of $24.13
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Latest STEL Stock Price Targets & Analyst Predictions
Based on our analysis of 7 Wall Street analysts, STEL has a neutral consensus with a median price target of $32.00 (ranging from $30.00 to $33.00). The overall analyst rating is N/A (N/A/10). Currently trading at $31.66, the median forecast implies a 1.1% upside. This outlook is supported by 1 Buy, 4 Hold, and 0 Sell ratings.
The most optimistic forecast comes from Catherine Mealor at Keefe, Bruyette & Woods, projecting a 4.2% upside. Conversely, the most conservative target is provided by Stephen Scouten at Piper Sandler, suggesting a 5.2% downside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
STEL Analyst Ratings
1
Buy
4
Hold
0
Sell
STEL Price Target Range
Low
$30.00
Average
$32.00
High
$33.00
Current: $31.66
Latest STEL Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for STEL.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Oct 27, 2025 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $33.00 |
| Jul 29, 2025 | Piper Sandler | Stephen Scouten | Neutral | Maintains | $30.00 |
| Jul 28, 2025 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $32.00 |
| Apr 28, 2025 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $29.00 |
| Feb 3, 2025 | Raymond James | David Feaster | Outperform | Reiterates | $31.00 |
| Feb 3, 2025 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $31.00 |
| Nov 1, 2024 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $29.00 |
| Jul 29, 2024 | Piper Sandler | Stephen Scouten | Neutral | Maintains | $27.00 |
| Jul 29, 2024 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $28.00 |
| May 3, 2024 | Keefe, Bruyette & Woods | Catherine Mealor | Market Perform | Maintains | $26.00 |
| Jan 30, 2024 | Raymond James | David Feaster | Outperform | Maintains | $29.00 |
| Oct 30, 2023 | Raymond James | David Feaster | Outperform | Maintains | $24.00 |
| Jul 31, 2023 | Raymond James | David Feaster | Outperform | Maintains | $27.00 |
| May 1, 2023 | Raymond James | David Feaster | Outperform | Maintains | $26.00 |
| May 1, 2023 | Keefe, Bruyette & Woods | Brady Gailey | Market Perform | Maintains | $28.00 |
| Apr 6, 2023 | Raymond James | David Feaster | Outperform | Maintains | $28.00 |
| Jan 31, 2023 | Raymond James | David Feaster | Outperform | Maintains | $31.00 |
| Jan 30, 2023 | Piper Sandler | Brad Milsaps | Overweight | Upgrade | $34.00 |
| Oct 31, 2022 | Stephens & Co. | Matt Olney | Equal-Weight | Maintains | $37.00 |
| Jun 13, 2013 | Raymond James | Market Perform | Downgrade | $N/A |
Stellar Bancorp Inc. (STEL) Competitors
The following stocks are similar to Stellar Bancorp based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
Stellar Bancorp Inc. (STEL) Financial Data
Stellar Bancorp Inc. has a market capitalization of $1.63B with a P/E ratio of 16.3x. The company generates $416.54M in trailing twelve-month revenue with a 24.5% profit margin.
Revenue growth is -7.4% quarter-over-quarter, while maintaining an operating margin of +37.4% and return on equity of +6.2%.
Valuation Metrics
Market Cap
$1.63B
Enterprise Value
$979.53M
P/E Ratio
16.3x
PEG Ratio
-0.8x
Price/Sales
3.9x
Growth & Margins
Revenue Growth (YoY)
-7.4%
Gross Margin
N/A
Operating Margin
+37.4%
Net Margin
+24.5%
EPS Growth
-24.3%
Financial Health
Cash/Price Ratio
+45.2%
Current Ratio
N/A
Debt/Equity
0.1x
ROE
+6.2%
ROA
+1.0%
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Stellar Bancorp Inc. (STEL) Business Model
About Stellar Bancorp Inc.
What They Do
Provides a range of banking and financial services.
Business Model
The company operates in the banking sector, offering traditional banking products such as checking and savings accounts, personal and commercial loans, and mortgage services. Additionally, it generates revenue through investment management services aimed at helping clients build and protect their wealth.
Additional Information
Stellar Bancorp Inc. supports community growth by providing loans and financial advice to local businesses while maintaining a robust financial health that allows it to adapt to changing economic conditions and explore growth opportunities.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
1,065
CEO
Mr. Robert R. Franklin Jr.
Country
United States
IPO Year
2017
Website
www.stellar.bankStellar Bancorp Inc. (STEL) Latest News & Analysis
Latest News
Quick Summary
Community bank margins have improved due to fixed-rate asset repricing, outweighing slight funding cost increases, with regional banks reporting stable credit quality.
Why It Matters
Expanding margins and stable credit quality in community banks signal financial health, potentially leading to stronger performance and investor confidence in regional banking stocks.
Source: Seeking Alpha
Market Sentiment:
Positive
Quick Summary
Stellar Bancorp, Inc. (NYSE: STEL) declared a quarterly cash dividend of $0.15 per share, payable on December 31, 2025, up from $0.14. Record date is December 15, 2025.
Why It Matters
Stellar Bancorp's dividend increase signals financial strength and commitment to returning value to shareholders, potentially attracting more investors and boosting stock demand.
Source: Business Wire
Market Sentiment:
Neutral
Quick Summary
Stellar Bancorp (STEL) has been upgraded to a Zacks Rank #2 (Buy), indicating improved earnings prospects and potential for stock price increase.
Why It Matters
The upgrade to Zacks Rank #2 signals increased confidence in Stellar Bancorp's earnings potential, likely boosting demand for the stock and driving its price higher.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Stellar Bancorp, Inc. (NYSE:STEL) will host its Q3 2025 earnings call on October 24, 2025, at 9:00 AM EDT, featuring key executives and analysts from various firms.
Why It Matters
Stellar Bancorp's Q3 2025 earnings call may reveal key financial insights, growth strategies, and market conditions, impacting stock performance and investor sentiment.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
Stellar Bancorp, Inc. (NYSE: STEL) reported Q3 2025 net income of $25.7M ($0.50 EPS), down from $26.4M ($0.51 EPS) in Q2 2025, with increases in net interest income, deposits, and tangible book value.
Why It Matters
Stellar Bancorp's slight decline in net income and earnings per share, despite growth in net interest income and deposits, signals stability but raises questions about profitability trends.
Source: Business Wire
Market Sentiment:
Neutral
Quick Summary
Stellar Bancorp (STEL) reported quarterly revenue and EPS for September 2025, highlighting performance against Wall Street estimates and year-ago figures.
Why It Matters
Comparing Stellar Bancorp's revenue and EPS to Wall Street estimates and prior year figures helps gauge performance, affecting stock valuation and investor sentiment.
Source: Zacks Investment Research
Market Sentiment:
Positive
Frequently Asked Questions About STEL Stock
What is Stellar Bancorp Inc.'s (STEL) stock forecast for 2026?
Based on our analysis of 7 Wall Street analysts, Stellar Bancorp Inc. (STEL) has a median price target of $32.00. The highest price target is $33.00 and the lowest is $30.00.
Is STEL stock a good investment in 2026?
According to current analyst ratings, STEL has 1 Buy ratings, 4 Hold ratings, and 0 Sell ratings. The stock is currently trading at $31.66. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for STEL stock?
Wall Street analysts predict STEL stock could reach $32.00 in the next 12 months. This represents a 1.1% increase from the current price of $31.66. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Stellar Bancorp Inc.'s business model?
The company operates in the banking sector, offering traditional banking products such as checking and savings accounts, personal and commercial loans, and mortgage services. Additionally, it generates revenue through investment management services aimed at helping clients build and protect their wealth.
What is the highest forecasted price for STEL Stellar Bancorp Inc.?
The highest price target for STEL is $33.00 from Catherine Mealor at Keefe, Bruyette & Woods, which represents a 4.2% increase from the current price of $31.66.
What is the lowest forecasted price for STEL Stellar Bancorp Inc.?
The lowest price target for STEL is $30.00 from Stephen Scouten at Piper Sandler, which represents a -5.2% decrease from the current price of $31.66.
What is the overall STEL consensus from analysts for Stellar Bancorp Inc.?
The overall analyst consensus for STEL is neutral. Out of 7 Wall Street analysts, 1 rate it as Buy, 4 as Hold, and 0 as Sell, with a median price target of $32.00.
How accurate are STEL stock price projections?
Stock price projections, including those for Stellar Bancorp Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: December 6, 2025 2:09 PM UTC