Stellar Bancorp, Inc.(STEL)Stock Analysis
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Rank #2,236 of 2,960 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
STEL Stock Analysis & AI Quality Score
Data updated 2026-08-29AI stock analysis and institutional research for Stellar Bancorp, Inc. (STEL), a Financials sector company. 13F Pro's AI-powered ranking engine scores STEL at 37.4/100 on a 32-signal composite quality model, placing it at rank #2,236 of 2,960 stocks — the bottom half of the AI-ranked universe. STEL scores in the top quartile across profitability (81.8), free cash flow (80.6). Areas of concern include revenue growth (19.2) and institutional flow (19.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 2.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Stellar Bancorp, Inc. reports quarterly revenue of $111.0M, net income of $27.0M, an operating margin of 30.1%. Top institutional holders of STEL by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. STEL trades on the NYSE exchange and files with the SEC under CIK 1473844. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate STEL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Stellar Bancorp, Inc. directly from SEC EDGAR. Stellar Bancorp, Inc.'s 13F Pro composite quality score has ranged between 36 and 43 since 2026, currently 37.4 — a declining long-term trajectory across 47 quarterly and live scoring snapshots.
Revenue
Q1 2026
$111.0M
Net Income
Q1 2026
$27.0M
Free Cash Flow
Q1 2026
$16.2M
Operating Margin
Q1 2026
30.1%
ROIC
Q1 2026
8.0%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
-1.8% YoYNet Income
-10.5% YoYEPS (Diluted)
-7.4% YoYTotal Assets
-0.9% YoYOp. Cash Flow
-26.9% YoYFree Cash Flow
-27.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $423.4M -1.8% | $431.0M -6.6% | $461.3M +49.1% | $309.3M +30.4% | $237.1M +12.5% | $210.8M |
| Net Income | $102.9M -10.5% | $115.0M -11.9% | $130.5M +153.7% | $51.4M -36.9% | $81.6M +79.1% | $45.5M |
| EPS (Diluted) | $1.99 -7.4% | $2.15 -12.2% | $2.45 +66.7% | $1.47 -47.9% | $2.82 +80.8% | $1.56 |
| Total Assets | $10.81B -0.9% | $10.91B +2.4% | $10.65B -2.3% | $10.90B +143.0% | $4.49B +13.6% | $3.95B |
| Operating Cash Flow | $97.0M -26.9% | $132.6M -21.2% | $168.2M +54.2% | $109.1M +1.6% | $107.4M +75.9% | $61.1M |
| Free Cash Flow | $92.6M -27.6% | $128.0M -20.7% | $161.4M +53.3% | $105.3M +0.8% | $104.4M +93.9% | $53.9M |
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Top Institutional Holders of STEL
BlackRock, Inc.
$249.5M6,344,688 shDIMENSIONAL FUND ADVISORS LP
$101.5M2,581,607 shVANGUARD CAPITAL MANAGEMENT LLC
$79.7M2,026,800 shSTATE STREET CORP
$76.6M1,947,340 shCALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
$65.2M2,564,686 shMILLENNIUM MANAGEMENT LLC
$55.8M1,418,033 shKING LUTHER CAPITAL MANAGEMENT CORP
$50.5M1,285,316 shQube Research & Technologies Ltd
$38.4M977,587 shBALYASNY ASSET MANAGEMENT L.P.
$34.5M878,109 shGARDNER LEWIS ASSET MANAGEMENT L P
$32.1M815,467 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $249.5M | 6,344,688 |
| DIMENSIONAL FUND ADVISORS LP | $101.5M | 2,581,607 |
| VANGUARD CAPITAL MANAGEMENT LLC | $79.7M | 2,026,800 |
| STATE STREET CORP | $76.6M | 1,947,340 |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $65.2M | 2,564,686 |
| MILLENNIUM MANAGEMENT LLC | $55.8M | 1,418,033 |
| KING LUTHER CAPITAL MANAGEMENT CORP | $50.5M | 1,285,316 |
| Qube Research & Technologies Ltd | $38.4M | 977,587 |
| BALYASNY ASSET MANAGEMENT L.P. | $34.5M | 878,109 |
| GARDNER LEWIS ASSET MANAGEMENT L P | $32.1M | 815,467 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is STEL a good stock to buy?
13F Pro's AI-powered analysis of Stellar Bancorp, Inc. (STEL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for STEL are available on the STEL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. STEL is classified as a mid company.
Which hedge funds own STEL?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling STEL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Stellar Bancorp, Inc.'s investment landscape.