Stellar Bancorp, Inc. (STEL)

In the past six months, Stellar Bancorp reported its Q3 2025 earnings, meeting revenue and EPS expectations, and beating tangible book value per share and net interest margin estimates, despite a 2% year-on-year sales decline. The Q3 results highlighted improved net interest income and margin, deposit growth, and tangible book value. Loan originations showed a resurgence, and the company strengthened its capital position by repurchasing shares and paying down subordinated debt. In Q2 2025, Stellar Bancorp missed analysts' revenue expectations but reported impressive deposit growth, with 51% of new deposits from new customers. Analyst ratings have been adjusted, with Keefe, Bruyette & Woods maintaining a 'Market Perform' rating and raising its price target to $33, and Piper Sandler maintaining a 'Neutral' rating and increasing its price target to $30. Stellar Bancorp was upgraded to a Zacks Rank #2 (Buy) due to an upward trend in earnings estimates.

Information regarding specific demand seasonality for Stellar Bancorp, Inc.'s products and services was not explicitly found. The company's revenue streams are primarily driven by net interest income from lending activities and fee-based services, and no distinct seasonal patterns for Stellar Bancorp's offerings were identified.

Stellar Bancorp, Inc. is a publicly traded financial services holding company and parent entity for Stellar Bank, a community-focused financial institution. It operates in the Financial Services sector, providing commercial banking services to small-to-medium-sized businesses, professionals, and individual customers. The company offers deposit accounts, commercial and consumer loans, mortgage lending, wealth management, and other banking services like mobile banking and wire transfers.

Stellar Bancorp, Inc. is headquartered in Houston, Texas, and operates 54 full-service banking centers. These centers are primarily located in the Houston and Beaumont areas, with operations extending to Dallas, including 37 banking centers in the Houston MSA, 16 in the Beaumont MSA, and one in Dallas.

Stellar Bancorp has a strong reputation for personalized banking solutions and customer service. The company has seen increased brand awareness and market share gains, evidenced by strong deposit growth from new customers. Stellar Bancorp, Inc. was recognized by S&P Global Market Intelligence, ranking 6th in S&P Global's 2024 Top 50 Public Banks, highlighting its strong deposit base and commitment to value and stability.

Stellar Bancorp, Inc. is owned by a mix of institutional, insider, and retail investors. Institutional investors hold 60.54% of the company, insiders own 9.81%, and retail investors account for 29.66%. Blackrock Funding, Inc. is the largest institutional shareholder, holding 13.18% of shares. iShares Core S&P Small-Cap ETF is the top mutual fund, with 5.32% of its assets invested in Stellar Bancorp shares. Other significant institutional shareholders include King Luther Capital Management, William Blair Investment Management, and American Century Companies.