AlphaStocks
5.9
Consider Buy

Stellar Bancorp, Inc. (STEL)

Financials / Regional Banks

S&P SmallCap 600

$36.81

Middle of the pack. No strong signal either way.

Consider Buy

Score based on 4 of 5 models — moderate confidence

#63out of 97 in Financials

Is Stellar Bancorp, Inc. a Good Investment in 2026?

Stellar Bancorp, Inc. (STEL) scores 5.9 out of 10 on AlphaStocks' composite model, earning a Consider Buy rating. The Buffett model rates Stellar Bancorp, Inc. as Attractive. The Graham model is the least favorable, rating it Neutral. Stellar Bancorp, Inc. currently trades above its estimated fair value of $26, suggesting limited upside at current prices. Stellar Bancorp, Inc. ranks #63 out of 97 stocks in the Financials sector.

This summary is algorithmically generated and is not financial advice.

Key Metrics

P/E18.5ROE6.2Market Cap2BDiv Yield1.6

Estimated Fair Value

$26.1641% above

Trading above estimated fair value. Eps growth of -8% may not justify the premium.

Model-based estimate, not a price target.

5-Model Analysis

Each model evaluates this stock from a different angle. Combined, they form the composite score above.

Piotroski

Neutral

4/9

Buffett

Attractive

Business quality & competitive moat

Graham

Neutral

51% above fair value

Lynch

Limited Data

PEG 2.2

Greenblatt

Limited Data

Earnings yield + return on capital

Frequently Asked Questions

Is Stellar Bancorp, Inc. (STEL) a good investment?
Based on AlphaStocks' composite analysis, Stellar Bancorp, Inc. (STEL) scores 5.9 out of 10, earning a Consider Buy rating. This is a middle-of-the-pack score with no strong signal either way. Trading above estimated fair value. Eps growth of -8% may not justify the premium.
What is Stellar Bancorp, Inc.'s Piotroski F-Score?
Stellar Bancorp, Inc.'s Piotroski F-Score status is Neutral. The raw score is 4/9. The Piotroski F-Score evaluates financial health using 9 fundamental signals including profitability, leverage, and operating efficiency.
Is STEL overvalued or undervalued?
Based on AlphaStocks' model-based fair value estimate of $26, STEL appears overvalued. The stock currently trades 41% above its estimated fair value. Trading above estimated fair value. Eps growth of -8% may not justify the premium.
How does STEL compare to other Financials stocks?
Stellar Bancorp, Inc. ranks #63 out of 97 stocks in the Financials sector, placing it in the top 65% of its sector by composite score. There are higher-ranked alternatives in this sector worth exploring.
What do investment models say about STEL?
AlphaStocks evaluates STEL using five proven investment models. Piotroski: Neutral; Buffett: Attractive; Graham: Neutral. These models are combined into a single composite score of 5.9/10.

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Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer