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STEL
Volume: 197.66K
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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 is positioned for revenue growth exceeding 3% due to improved net interest margin (NIM) dynamics, which are supported by an upward-sloping yield curve and anticipated enhancements in their core funded balance sheet. The company reported a modest increase in non-performing assets (NPAs) and a stable net charge-off (NCO) rate, indicating sound asset quality alongside a core NIM expansion to 3.94%. Additionally, a significant 18% increase in deposits quarter-over-quarter underscores a positive trajectory for the bank, laying a foundation for enhanced operating leverage and strengthened revenue potential going into 2025.

Bears say

Stellar Bancorp faces a challenging operating environment characterized by an economic slowdown, which could lead to increased nonperforming assets and net charge-offs, negatively impacting net income and earnings per share. The bank has experienced a decline in loan growth, down 6% quarter-over-quarter, while an increase in deposit costs is also straining earnings despite a slight decrease in the allowance for credit losses. Additionally, the company's dependence on the Houston market, which is susceptible to energy price fluctuations, combined with the risks associated with ongoing mergers and acquisitions, could further exacerbate volatility and hinder financial performance.

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 Jul 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 $31, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $31, 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: 197.66K

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