Stellar Bancorp Net Income
| STEL Stock | USD 39.72 0.22 0.56% |
As of the 11th of February 2026, Stellar Bancorp has the Coefficient Of Variation of 437.63, risk adjusted performance of 0.1888, and Semi Deviation of 0.6062. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Stellar Bancorp, as well as the relationship between them. Please validate Stellar Bancorp information ratio, as well as the relationship between the potential upside and kurtosis to decide if Stellar Bancorp is priced more or less accurately, providing market reflects its prevalent price of 39.72 per share. Given that Stellar Bancorp has jensen alpha of 0.3703, we advise you to double-check Stellar Bancorp's current market performance to make sure the company can sustain itself at a future point.
Stellar Bancorp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.7908 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 102.9 M | 63.8 M | |
| Net Income From Continuing Ops | 132.3 M | 67.8 M | |
| Net Income Applicable To Common Shares | 59.1 M | 59.1 M | |
| Net Income Per Share | 1.99 | 1.46 | |
| Net Income Per E B T | 0.81 | 0.62 |
Stellar | Net Income | Build AI portfolio with Stellar Stock |
Historical Net Income data for Stellar Bancorp serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether Stellar Bancorp represents a compelling investment opportunity.
Latest Stellar Bancorp's Net Income Growth Pattern
Below is the plot of the Net Income of Stellar Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Stellar Bancorp financial statement analysis. It represents the amount of money remaining after all of Stellar Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Stellar Bancorp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Stellar Bancorp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 102.87 M | 10 Years Trend |
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Net Income |
| Timeline |
Stellar Net Income Regression Statistics
| Arithmetic Mean | 52,626,659 | |
| Geometric Mean | 43,570,586 | |
| Coefficient Of Variation | 66.94 | |
| Mean Deviation | 27,900,342 | |
| Median | 45,534,000 | |
| Standard Deviation | 35,230,769 | |
| Sample Variance | 1241.2T | |
| Range | 106.4M | |
| R-Value | 0.82 | |
| Mean Square Error | 430T | |
| R-Squared | 0.68 | |
| Significance | 0.000052 | |
| Slope | 5,732,827 | |
| Total Sum of Squares | 19859.3T |
Stellar Net Income History
Other Fundumenentals of Stellar Bancorp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Stellar Bancorp Net Income component correlations
Stellar Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Stellar Bancorp is extremely important. It helps to project a fair market value of Stellar Stock properly, considering its historical fundamentals such as Net Income. Since Stellar Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Stellar Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Stellar Bancorp's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Stellar Bancorp. If investors know Stellar will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Stellar Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.086 | Dividend Share 0.57 | Earnings Share 1.99 | Revenue Per Share | Quarterly Revenue Growth (0.03) |
Investors evaluate Stellar Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Stellar Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Stellar Bancorp's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Stellar Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Stellar Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Stellar Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.
Stellar Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Stellar Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Stellar Bancorp.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in Stellar Bancorp on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding Stellar Bancorp or generate 0.0% return on investment in Stellar Bancorp over 90 days. Stellar Bancorp is related to or competes with Victory Bancorp, MF Bancorp, First Community, Andover Bancorp, Community Capital, Woodlands Financial, and HCB Financial. Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primaril... More
Stellar Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Stellar Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Stellar Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.09 | |||
| Information Ratio | 0.1805 | |||
| Maximum Drawdown | 11.51 | |||
| Value At Risk | (1.28) | |||
| Potential Upside | 2.67 |
Stellar Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Stellar Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Stellar Bancorp's standard deviation. In reality, there are many statistical measures that can use Stellar Bancorp historical prices to predict the future Stellar Bancorp's volatility.| Risk Adjusted Performance | 0.1888 | |||
| Jensen Alpha | 0.3703 | |||
| Total Risk Alpha | 0.2317 | |||
| Sortino Ratio | 0.3206 | |||
| Treynor Ratio | 0.5877 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Stellar Bancorp's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Stellar Bancorp February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1888 | |||
| Market Risk Adjusted Performance | 0.5977 | |||
| Mean Deviation | 1.14 | |||
| Semi Deviation | 0.6062 | |||
| Downside Deviation | 1.09 | |||
| Coefficient Of Variation | 437.63 | |||
| Standard Deviation | 1.93 | |||
| Variance | 3.72 | |||
| Information Ratio | 0.1805 | |||
| Jensen Alpha | 0.3703 | |||
| Total Risk Alpha | 0.2317 | |||
| Sortino Ratio | 0.3206 | |||
| Treynor Ratio | 0.5877 | |||
| Maximum Drawdown | 11.51 | |||
| Value At Risk | (1.28) | |||
| Potential Upside | 2.67 | |||
| Downside Variance | 1.18 | |||
| Semi Variance | 0.3674 | |||
| Expected Short fall | (1.43) | |||
| Skewness | 3.23 | |||
| Kurtosis | 17.13 |
Stellar Bancorp Backtested Returns
Stellar Bancorp appears to be very steady, given 3 months investment horizon. Stellar Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.24, which indicates the firm had a 0.24 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Stellar Bancorp, which you can use to evaluate the volatility of the company. Please review Stellar Bancorp's Risk Adjusted Performance of 0.1888, coefficient of variation of 437.63, and Semi Deviation of 0.6062 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Stellar Bancorp holds a performance score of 19. The entity has a beta of 0.73, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Stellar Bancorp's returns are expected to increase less than the market. However, during the bear market, the loss of holding Stellar Bancorp is expected to be smaller as well. Please check Stellar Bancorp's potential upside, and the relationship between the total risk alpha and kurtosis , to make a quick decision on whether Stellar Bancorp's existing price patterns will revert.
Auto-correlation | 0.42 |
Average predictability
Stellar Bancorp has average predictability. Overlapping area represents the amount of predictability between Stellar Bancorp time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Stellar Bancorp price movement. The serial correlation of 0.42 indicates that just about 42.0% of current Stellar Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.42 | |
| Spearman Rank Test | 0.49 | |
| Residual Average | 0.0 | |
| Price Variance | 9.99 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Stellar Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Stellar Bancorp reported net income of 102.87 M. This is 91.95% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 81.98% higher than that of the company.
Stellar Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Stellar Bancorp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Stellar Bancorp could also be used in its relative valuation, which is a method of valuing Stellar Bancorp by comparing valuation metrics of similar companies.Stellar Bancorp is currently under evaluation in net income category among its peers.
Stellar Bancorp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Stellar Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Stellar Bancorp's managers, analysts, and investors.Environmental | Governance | Social |
Stellar Bancorp Institutional Holders
Institutional Holdings refers to the ownership stake in Stellar Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Stellar Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Stellar Bancorp's value.| Shares | Wellington Management Company Llp | 2025-06-30 | 640.4 K | Charles Schwab Investment Management Inc | 2025-06-30 | 421.3 K | (junk)commonwealth Pps | 2025-06-30 | 407 K | Bank Of New York Mellon Corp | 2025-06-30 | 401.6 K | Bridgeway Capital Management, Llc | 2025-06-30 | 393.7 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 393.4 K | Cooper Financial Group | 2025-06-30 | 310.3 K | Hightower Advisors, Llc | 2025-06-30 | 286.2 K | Amvescap Plc. | 2025-06-30 | 271.3 K | Blackrock Inc | 2025-06-30 | 6.8 M | Vanguard Group Inc | 2025-06-30 | 3.3 M |
Stellar Fundamentals
| Return On Equity | 0.0628 | ||||
| Return On Asset | 0.0095 | ||||
| Profit Margin | 0.25 % | ||||
| Operating Margin | 0.36 % | ||||
| Current Valuation | 1.62 B | ||||
| Shares Outstanding | 50.76 M | ||||
| Shares Owned By Insiders | 9.97 % | ||||
| Shares Owned By Institutions | 63.42 % | ||||
| Number Of Shares Shorted | 829.64 K | ||||
| Price To Earning | 18.84 X | ||||
| Price To Book | 1.19 X | ||||
| Price To Sales | 4.87 X | ||||
| Revenue | 596.26 M | ||||
| Gross Profit | 413.25 M | ||||
| EBITDA | 127.78 M | ||||
| Net Income | 102.87 M | ||||
| Cash And Equivalents | 292.84 M | ||||
| Cash Per Share | 14.67 X | ||||
| Total Debt | 40.23 M | ||||
| Debt To Equity | 6.00 % | ||||
| Book Value Per Share | 32.78 X | ||||
| Cash Flow From Operations | 132.62 M | ||||
| Short Ratio | 3.18 X | ||||
| Earnings Per Share | 1.99 X | ||||
| Price To Earnings To Growth | 4.74 X | ||||
| Target Price | 38.0 | ||||
| Number Of Employees | 1.07 K | ||||
| Beta | 0.78 | ||||
| Market Capitalization | 2.01 B | ||||
| Total Asset | 10.81 B | ||||
| Retained Earnings | 566.22 M | ||||
| Annual Yield | 0.02 % | ||||
| Net Asset | 10.81 B | ||||
| Last Dividend Paid | 0.57 |
About Stellar Bancorp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Stellar Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Stellar Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Stellar Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Stellar Bancorp. If investors know Stellar will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Stellar Bancorp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.086 | Dividend Share 0.57 | Earnings Share 1.99 | Revenue Per Share | Quarterly Revenue Growth (0.03) |
Investors evaluate Stellar Bancorp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Stellar Bancorp's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause Stellar Bancorp's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Stellar Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Stellar Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Stellar Bancorp's market price signifies the transaction level at which participants voluntarily complete trades.