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STEL
Volume: 17.64K
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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 poised for over 3% revenue growth, supported by improving net interest margin (NIM) dynamics and an upward sloped yield curve. The company's core NIM increased to a robust 3.94%, reflecting a strengthened funded balance sheet and encouraging prospects for net interest income (NII) growth despite overall declining accretable yield. Additionally, a significant 18% increase in deposits and an 8% growth in non-interest-bearing deposits indicate strong operational momentum that is expected to drive further growth and financial stability through 2025.

Bears say

Stellar Bancorp's outlook is negatively impacted by a potential economic slowdown, which may lead to increased nonperforming assets and net charge-offs, thus straining net income relative to earnings per share estimates. The company has experienced a 6% decline in loan growth as it continues to shift its focus away from commercial real estate, exacerbating its financial performance amid rising deposit costs and the difficulties of scaling beyond $10 billion in assets. Additionally, fluctuations in economic conditions, particularly in the energy sector where Stellar operates primarily in Houston, introduce further volatility, while the risks associated with future mergers and acquisitions could pose additional financial challenges.

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 Jun 16, 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: 17.64K

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