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STEL Quote, Financials, Valuation and Earnings

Last price:
$28.09
Seasonality move :
-6.29%
Day range:
$27.29 - $28.12
52-week range:
$21.27 - $32.36
Dividend yield:
1.89%
P/E ratio:
12.81x
P/S ratio:
3.44x
P/B ratio:
0.92x
Volume:
114.9K
Avg. volume:
193.2K
1-year change:
4.35%
Market cap:
$1.5B
Revenue:
$461.3M
EPS (TTM):
$2.19

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
STEL
Stellar Bancorp
$105.8M $0.44 -4.7% -3.92% $30.40
BHB
Bar Harbor Bankshares
$33.8M $0.66 -10.43% 5.39% $35.00
CUBI
Customers Bancorp
$166.6M $1.24 -12.45% -33.03% $63.67
EVBN
Evans Bancorp
$17.3M $0.45 -46.71% -74.05% $50.05
PRK
Park National
$125.6M $2.13 15.8% 48.34% $181.00
TMP
Tompkins Financial
$76.9M $1.17 5.61% 4.76% $83.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
STEL
Stellar Bancorp
$28.05 $30.40 $1.5B 12.81x $0.14 1.89% 3.44x
BHB
Bar Harbor Bankshares
$30.00 $35.00 $458M 10.79x $0.30 3.93% 3.04x
CUBI
Customers Bancorp
$48.83 $63.67 $1.5B 7.93x $0.00 0% 2.21x
EVBN
Evans Bancorp
$43.45 $50.05 $240.8M 13.05x $0.66 3.04% 2.87x
PRK
Park National
$173.15 $181.00 $2.8B 20.49x $1.56 2.45% 5.66x
TMP
Tompkins Financial
$67.55 $83.00 $972.3M 14.59x $0.62 3.61% 3.33x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
STEL
Stellar Bancorp
9.47% 1.070 12.29% 132.87x
BHB
Bar Harbor Bankshares
34.26% 1.362 50.9% 3.32x
CUBI
Customers Bancorp
43.71% 1.998 87.77% --
EVBN
Evans Bancorp
46.15% 1.446 73.84% 48.21x
PRK
Park National
19.85% 1.006 11.31% 11.28x
TMP
Tompkins Financial
42.83% 1.734 65.16% 21.55x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
STEL
Stellar Bancorp
-- -- 6.4% 7.6% 86.26% $57.7M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
CUBI
Customers Bancorp
-- -- 6.77% 12.84% 134.45% $12.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
PRK
Park National
-- -- 8.97% 11.8% 57.64% $42.3M
TMP
Tompkins Financial
-- -- 5.44% 9.88% 80.01% $18.9M

Stellar Bancorp vs. Competitors

  • Which has Higher Returns STEL or BHB?

    Bar Harbor Bankshares has a net margin of 31.44% compared to Stellar Bancorp's net margin of 31.58%. Stellar Bancorp's return on equity of 7.6% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    STEL
    Stellar Bancorp
    -- $0.63 $1.8B
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About STEL or BHB?

    Stellar Bancorp has a consensus price target of $30.40, signalling upside risk potential of 9.8%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 16.67%. Given that Bar Harbor Bankshares has higher upside potential than Stellar Bancorp, analysts believe Bar Harbor Bankshares is more attractive than Stellar Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    STEL
    Stellar Bancorp
    1 3 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is STEL or BHB More Risky?

    Stellar Bancorp has a beta of 0.846, which suggesting that the stock is 15.449% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.076%.

  • Which is a Better Dividend Stock STEL or BHB?

    Stellar Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.89%. Bar Harbor Bankshares offers a yield of 3.93% to investors and pays a quarterly dividend of $0.30 per share. Stellar Bancorp pays 21.23% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios STEL or BHB?

    Stellar Bancorp quarterly revenues are $107.8M, which are larger than Bar Harbor Bankshares quarterly revenues of $38.6M. Stellar Bancorp's net income of $33.9M is higher than Bar Harbor Bankshares's net income of $12.2M. Notably, Stellar Bancorp's price-to-earnings ratio is 12.81x while Bar Harbor Bankshares's PE ratio is 10.79x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Stellar Bancorp is 3.44x versus 3.04x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    STEL
    Stellar Bancorp
    3.44x 12.81x $107.8M $33.9M
    BHB
    Bar Harbor Bankshares
    3.04x 10.79x $38.6M $12.2M
  • Which has Higher Returns STEL or CUBI?

    Customers Bancorp has a net margin of 31.44% compared to Stellar Bancorp's net margin of 28.62%. Stellar Bancorp's return on equity of 7.6% beat Customers Bancorp's return on equity of 12.84%.

    Company Gross Margin Earnings Per Share Invested Capital
    STEL
    Stellar Bancorp
    -- $0.63 $1.8B
    CUBI
    Customers Bancorp
    -- $1.31 $3.2B
  • What do Analysts Say About STEL or CUBI?

    Stellar Bancorp has a consensus price target of $30.40, signalling upside risk potential of 9.8%. On the other hand Customers Bancorp has an analysts' consensus of $63.67 which suggests that it could grow by 32.21%. Given that Customers Bancorp has higher upside potential than Stellar Bancorp, analysts believe Customers Bancorp is more attractive than Stellar Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    STEL
    Stellar Bancorp
    1 3 0
    CUBI
    Customers Bancorp
    3 5 0
  • Is STEL or CUBI More Risky?

    Stellar Bancorp has a beta of 0.846, which suggesting that the stock is 15.449% less volatile than S&P 500. In comparison Customers Bancorp has a beta of 1.678, suggesting its more volatile than the S&P 500 by 67.835%.

  • Which is a Better Dividend Stock STEL or CUBI?

    Stellar Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.89%. Customers Bancorp offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Stellar Bancorp pays 21.23% of its earnings as a dividend. Customers Bancorp pays out 5.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios STEL or CUBI?

    Stellar Bancorp quarterly revenues are $107.8M, which are smaller than Customers Bancorp quarterly revenues of $163.3M. Stellar Bancorp's net income of $33.9M is lower than Customers Bancorp's net income of $46.7M. Notably, Stellar Bancorp's price-to-earnings ratio is 12.81x while Customers Bancorp's PE ratio is 7.93x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Stellar Bancorp is 3.44x versus 2.21x for Customers Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    STEL
    Stellar Bancorp
    3.44x 12.81x $107.8M $33.9M
    CUBI
    Customers Bancorp
    2.21x 7.93x $163.3M $46.7M
  • Which has Higher Returns STEL or EVBN?

    Evans Bancorp has a net margin of 31.44% compared to Stellar Bancorp's net margin of 16.32%. Stellar Bancorp's return on equity of 7.6% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    STEL
    Stellar Bancorp
    -- $0.63 $1.8B
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About STEL or EVBN?

    Stellar Bancorp has a consensus price target of $30.40, signalling upside risk potential of 9.8%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 15.19%. Given that Evans Bancorp has higher upside potential than Stellar Bancorp, analysts believe Evans Bancorp is more attractive than Stellar Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    STEL
    Stellar Bancorp
    1 3 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is STEL or EVBN More Risky?

    Stellar Bancorp has a beta of 0.846, which suggesting that the stock is 15.449% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

  • Which is a Better Dividend Stock STEL or EVBN?

    Stellar Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.89%. Evans Bancorp offers a yield of 3.04% to investors and pays a quarterly dividend of $0.66 per share. Stellar Bancorp pays 21.23% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios STEL or EVBN?

    Stellar Bancorp quarterly revenues are $107.8M, which are larger than Evans Bancorp quarterly revenues of $18M. Stellar Bancorp's net income of $33.9M is higher than Evans Bancorp's net income of $2.9M. Notably, Stellar Bancorp's price-to-earnings ratio is 12.81x while Evans Bancorp's PE ratio is 13.05x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Stellar Bancorp is 3.44x versus 2.87x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    STEL
    Stellar Bancorp
    3.44x 12.81x $107.8M $33.9M
    EVBN
    Evans Bancorp
    2.87x 13.05x $18M $2.9M
  • Which has Higher Returns STEL or PRK?

    Park National has a net margin of 31.44% compared to Stellar Bancorp's net margin of 27.77%. Stellar Bancorp's return on equity of 7.6% beat Park National's return on equity of 11.8%.

    Company Gross Margin Earnings Per Share Invested Capital
    STEL
    Stellar Bancorp
    -- $0.63 $1.8B
    PRK
    Park National
    -- $2.35 $1.5B
  • What do Analysts Say About STEL or PRK?

    Stellar Bancorp has a consensus price target of $30.40, signalling upside risk potential of 9.8%. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 4.53%. Given that Stellar Bancorp has higher upside potential than Park National, analysts believe Stellar Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    STEL
    Stellar Bancorp
    1 3 0
    PRK
    Park National
    0 2 0
  • Is STEL or PRK More Risky?

    Stellar Bancorp has a beta of 0.846, which suggesting that the stock is 15.449% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

  • Which is a Better Dividend Stock STEL or PRK?

    Stellar Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.89%. Park National offers a yield of 2.45% to investors and pays a quarterly dividend of $1.56 per share. Stellar Bancorp pays 21.23% of its earnings as a dividend. Park National pays out 54.41% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios STEL or PRK?

    Stellar Bancorp quarterly revenues are $107.8M, which are smaller than Park National quarterly revenues of $137.6M. Stellar Bancorp's net income of $33.9M is lower than Park National's net income of $38.2M. Notably, Stellar Bancorp's price-to-earnings ratio is 12.81x while Park National's PE ratio is 20.49x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Stellar Bancorp is 3.44x versus 5.66x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    STEL
    Stellar Bancorp
    3.44x 12.81x $107.8M $33.9M
    PRK
    Park National
    5.66x 20.49x $137.6M $38.2M
  • Which has Higher Returns STEL or TMP?

    Tompkins Financial has a net margin of 31.44% compared to Stellar Bancorp's net margin of 24.66%. Stellar Bancorp's return on equity of 7.6% beat Tompkins Financial's return on equity of 9.88%.

    Company Gross Margin Earnings Per Share Invested Capital
    STEL
    Stellar Bancorp
    -- $0.63 $1.8B
    TMP
    Tompkins Financial
    -- $1.30 $1.3B
  • What do Analysts Say About STEL or TMP?

    Stellar Bancorp has a consensus price target of $30.40, signalling upside risk potential of 9.8%. On the other hand Tompkins Financial has an analysts' consensus of $83.00 which suggests that it could grow by 22.87%. Given that Tompkins Financial has higher upside potential than Stellar Bancorp, analysts believe Tompkins Financial is more attractive than Stellar Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    STEL
    Stellar Bancorp
    1 3 0
    TMP
    Tompkins Financial
    0 0 0
  • Is STEL or TMP More Risky?

    Stellar Bancorp has a beta of 0.846, which suggesting that the stock is 15.449% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.471%.

  • Which is a Better Dividend Stock STEL or TMP?

    Stellar Bancorp has a quarterly dividend of $0.14 per share corresponding to a yield of 1.89%. Tompkins Financial offers a yield of 3.61% to investors and pays a quarterly dividend of $0.62 per share. Stellar Bancorp pays 21.23% of its earnings as a dividend. Tompkins Financial pays out 363.09% of its earnings as a dividend. Stellar Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Tompkins Financial's is not.

  • Which has Better Financial Ratios STEL or TMP?

    Stellar Bancorp quarterly revenues are $107.8M, which are larger than Tompkins Financial quarterly revenues of $75.6M. Stellar Bancorp's net income of $33.9M is higher than Tompkins Financial's net income of $18.6M. Notably, Stellar Bancorp's price-to-earnings ratio is 12.81x while Tompkins Financial's PE ratio is 14.59x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Stellar Bancorp is 3.44x versus 3.33x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    STEL
    Stellar Bancorp
    3.44x 12.81x $107.8M $33.9M
    TMP
    Tompkins Financial
    3.33x 14.59x $75.6M $18.6M

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