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STEL
Volume: 146.99K
STEL logo

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 anticipated to achieve revenue growth exceeding 3%, supported by improving net interest margins (NIM) and an upward-sloping yield curve, positioning the company favorably for net interest income (NII) growth despite a decline in accretable yield. The bank's non-performing assets (NPAs) and net charge-offs (NCOs) are stable, with NPAs at just 0.52% and NCOs at 0.11%, indicating strong asset quality which can foster deposit growth into 2025. Additionally, the significant 18% increase in deposits and an 8% rise in non-interest-bearing deposits in the last quarter highlight the company's effective customer relationship management and potential for enhancing its balance sheet moving forward.

Bears say

The outlook for Stellar Bancorp's stock is negatively impacted by several fundamental factors. An anticipated economic slowdown may lead to increased nonperforming assets and net charge-offs, which could adversely affect net income relative to earnings per share estimates. Additionally, the bank is experiencing soft loan growth, down 6%, and rising deposit costs post-merger are exerting further pressure on earnings growth, while their capital scalability remains hindered by current operational challenges and regional economic volatility.

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 12, 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: 146.99K

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