What is STEL's health score?

Stellar Bancorp, Inc. (STEL) has a TradeApes health score of 53 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is STEL's estimated fair value?

Based on our 5-year discounted cash flow model, Stellar Bancorp, Inc.'s estimated fair value is $24.59 per share, representing a -34.3% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is STEL undervalued or overvalued?

Our model currently rates STEL as Overvalued. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for STEL... Refresh in a moment for the full analysis.

Stellar Bancorp, Inc. (STEL)

Financials Overvalued low mixed

$37.44

Updated: 2026-06-05

TradeApes Score

Financial Strength

55 Mixed

Operating Trend

50 Mixed

Relative Value

55 Mixed

Capital Allocation

30 Weak

Risk

80 Strong

Est. Fair Value $24.59

DCF Upside -34.3%

Sector Rank #3932 of 6211

Key Findings

+ Free cash flow positive — business generates real spendable cash

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− Excessive stock comp — SBC above 15% of revenue, wealth transfer to employees

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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