This stock no longer trades (delisted July 1, 2026)

Delisted / no longer publicly traded (per market data provider) Everything below is based on the last available data — treat it as historical, not a live read.

Stellar Bancorp

STEL

Banks - Regional · Financial Services

Price

$39.32

+0.01 (+0.03%)

Market Cap

$2.00B

Exchange

New York Stock Exchange

Winston Score

Historical score — this stock no longer trades, so the score is frozen at the last available data.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Growth

Weak

Valuation

Good

Dividends

Mixed

Share count rising — dilution

+79.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 28.9M (2021) → 51.8M (2025)

Winston Score History

The full picture

Stellar Bancorp is a regional bank headquartered in Houston, Texas. It offers everyday banking services like checking and savings accounts, loans, and treasury management tools, mainly to small and medium-sized businesses across Texas. The bank was formed in 2022 when Stellar Financial and Independent Financial Group merged, making it one of the larger community-focused banks in the Houston area.

Stellar makes money the traditional banking way — it collects deposits and lends that money out at higher interest rates, earning the difference. It operates primarily in Texas, with a strong presence in Houston and other major Texas markets, and reported roughly $9 billion in total assets. Its competitive edge comes from deep local relationships with business customers in one of the fastest-growing states in the country, but its main risk is exposure to interest rate changes, since rising or falling rates directly affect how much profit it earns on loans.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.9% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+15.2% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.5%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$9.9B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Stellar Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-4.3%

Shrinking sales (-4.3% YoY)

Profit growth

EPS YoY

-5.5%

Earnings shrinking (-5.5% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

19.2x

Fair value — P/E 19.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.5

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

1.50%

Small dividend — 1.50% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+7.3%

Dividend growing modestly (7.3% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial