What is the 13F Pro Quality Score for STEL?

13F Pro ranks Stellar Bancorp, Inc. (STEL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View STEL's current score at https://13fpro.ai/research/STEL (free sign-up required for the full ranking).

Which hedge funds own the most STEL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of STEL include BlackRock,, DIMENSIONAL FUND ADVISORS, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/STEL as soon as new 13F filings post.

Where does 13F Pro source STEL data?

All Stellar Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Stellar Bancorp, Inc. files with the SEC under CIK 1473844. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is STEL in?

Stellar Bancorp, Inc. (STEL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is STEL research updated on 13F Pro?

STEL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Stellar Bancorp, Inc.(STEL)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →NYSE

Institutional-grade research for retail investors

SEC EDGAR: CIK 1473844 STEL stock profile & AI dashboard →

13F Pro Quality Score

55.0/100

Rank #1,183 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

43.0/100

Profitability

99.4/100

Balance Sheet

43.2/100

Earnings Quality

26.2/100

Free Cash Flow

99.3/100

Institutional Flow

67.4/100

Revenue Scale

2.5/100

Dilution Risk

2.3/100

STEL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Stellar Bancorp, Inc. (STEL), a Financials sector company. 13F Pro's AI-powered ranking engine scores STEL at 55.0/100 on a 32-signal composite quality model, placing it at rank #1,183 of 2,879 stocks — the top half of the AI-ranked universe. STEL scores in the top quartile across profitability (99.4), free cash flow (99.3). Areas of concern include revenue scale (2.5) and earnings quality (26.2), 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, STATE STREET, 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 8 and 64 since 2026, currently 55.0 — an improving long-term trajectory across 36 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

2.0%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-2.3% YoY

$6.3MFY 2025

FY22 $3.7MFY23 $6.1MFY24 $6.4MFY25 $6.3M

Net Income

-10.5% YoY

$102.9MFY 2025

FY22 $51.4MFY23 $130.5MFY24 $115.0MFY25 $102.9M

EPS (Diluted)

-7.4% YoY

$1.99FY 2025

FY22 $1.47FY23 $2.45FY24 $2.15FY25 $1.99

Total Assets

-0.9% YoY

$10.81BFY 2025

FY22 $10.90BFY23 $10.65BFY24 $10.91BFY25 $10.81B

Op. Cash Flow

-26.9% YoY

$97.0MFY 2025

FY22 $109.1MFY23 $168.2MFY24 $132.6MFY25 $97.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019	FY 2018
Revenue	$6.3M -2.3%	$6.4M +6.0%	$6.1M +64.3%	$3.7M	—	—
Net Income	$102.9M -10.5%	$115.0M -11.9%	$130.5M +153.7%	$51.4M +1.8%	$50.5M +6.8%	$47.3M
EPS (Diluted)	$1.99 -7.4%	$2.15 -12.2%	$2.45 +66.7%	$1.47 -27.2%	$2.02 +6.9%	$1.89
Total Assets	$10.81B -0.9%	$10.91B +2.4%	$10.65B -2.3%	$10.90B +213.4%	$3.48B +6.1%	$3.28B
Operating Cash Flow	$97.0M -26.9%	$132.6M -21.2%	$168.2M +54.2%	$109.1M +94.4%	$56.1M +13.7%	$49.3M

AI Insight: STEL Financial Trends

Stellar Bancorp shows stable earnings around $26-27M despite volatile operating cash flow swinging from -$6M to $64M across quarters.

• Net income stabilized at $25-27M range from Q4 2024 through Q1 2026 after Q3 2024 peak of $34M.

• Operating cash flow remained highly volatile, ranging from -$6M in Q1 2025 to $64M in Q3 2025.

• Equity grew modestly from $1,566M in Q2 2024 to $1,668M in Q1 2026.

⚠ Operating cash flow volatility continues with sharp swings between quarters despite stable earnings.

⚠ Revenue has remained flat at $2M across all eight quarters with no growth trajectory.

AI Insight: STEL Ratio Trends

Stellar Bancorp's profitability metrics declined meaningfully from Q3 2024 peaks, with ROE falling 180bp and ROIC dropping 250bp by Q1 2026.

• ROE peaked at 8.3% in Q3 2024 but declined to 6.5% in Q1 2026, erasing prior year gains.

• ROIC fell from 10.5% in Q3 2024 to 8.0% in Q1 2026, a 250bp contraction over six quarters.

• ROA has remained relatively stable around 1.0% since Q4 2024 after declining from Q3 2024 peak of 1.3%.

⚠ Profitability metrics have plateaued in recent quarters after the sharp Q4 2024 decline, suggesting potential stabilization.

⚠ ROIC remains well below double-digit levels achieved in Q2-Q3 2024, indicating reduced capital efficiency.

Get alerted when STEL's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Stellar Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of STEL

BlackRock, Inc.
$247.0M6,747,686 sh
DIMENSIONAL FUND ADVISORS LP
$91.5M2,499,218 sh
STATE STREET CORP
$77.9M2,128,169 sh
VANGUARD CAPITAL MANAGEMENT LLC
$74.5M2,034,503 sh
BALYASNY ASSET MANAGEMENT L.P.
$47.4M1,294,172 sh
KING LUTHER CAPITAL MANAGEMENT CORP
$47.0M1,283,086 sh
GEODE CAPITAL MANAGEMENT, LLC
$41.2M1,124,361 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$32.6M890,393 sh
Magnetar Financial LLC
$29.7M812,216 sh
NORTHERN TRUST CORP
$27.1M740,348 sh

Fund	Value	Shares
BlackRock, Inc.	$247.0M	6,747,686
DIMENSIONAL FUND ADVISORS LP	$91.5M	2,499,218
STATE STREET CORP	$77.9M	2,128,169
VANGUARD CAPITAL MANAGEMENT LLC	$74.5M	2,034,503
BALYASNY ASSET MANAGEMENT L.P.	$47.4M	1,294,172
KING LUTHER CAPITAL MANAGEMENT CORP	$47.0M	1,283,086
GEODE CAPITAL MANAGEMENT, LLC	$41.2M	1,124,361
VANGUARD PORTFOLIO MANAGEMENT LLC	$32.6M	890,393
Magnetar Financial LLC	$29.7M	812,216
NORTHERN TRUST CORP	$27.1M	740,348

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put STEL on your watchlist

Track score changes the day Stellar Bancorp, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

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.

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.