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STEL
Volume: 375.44K
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STEL Stock Forecast & Price Target

STEL Analyst Ratings

Based on 4 analyst ratings
Hold
Strong Buy 0%
Buy 25%
Hold 75%
Sell 0%
Strong Sell 0%

Bulls say

Stellar Bancorp exhibits a promising financial outlook, supported by expected revenue growth exceeding 3%, driven by improved net interest margin (NIM) and the potential for enhanced operating leverage as growth prospects evolve entering 2025. The company's core NIM expanded to a robust 3.94%, indicating effective management of the funded balance sheet in conjunction with a favorable yield curve, thereby bolstering net interest income (NII) despite a decline in accretable yield. Additionally, a significant 18% increase in deposits quarter-on-quarter, alongside an $273 million rise in non-interest-bearing deposits, positions Stellar Bancorp favorably for sustained growth going forward.

Bears say

Stellar Bancorp's negative outlook is predominantly influenced by a challenging economic environment, which may lead to increased nonperforming assets and net charge-offs, adversely affecting net income and earnings per share estimates. The company is experiencing soft loan growth, with a notable decrease of -6% in loans over the last quarter, compounded by higher deposit costs and capital constraints due to rising interest rates. Furthermore, while the potential for revenue growth exists, Stellar Bancorp's current scale limitations post-merger and exposure to regional economic fluctuations, particularly in Houston's energy sector, add to the uncertainty surrounding its financial stability and future profitability.

STEL has been analyzed by 4 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 25% recommend Buy, 75% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Stellar Bancorp Inc and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Stellar Bancorp Inc (STEL) Forecast

Analysts have given STEL a Hold based on their latest research and market trends.

According to 4 analysts, STEL has a Hold consensus rating as of Aug 2, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $32.50, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $32.50, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Stellar Bancorp Inc (STEL)

Volume: 375.44K

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