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STEL
Volume: 241.22K
STEL logo

STEL Stock Forecast & Price Target

STEL Analyst Ratings

Based on 3 analyst ratings
Hold
Strong Buy 0%
Buy 33%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

Stellar Bancorp Inc. is poised for a positive outlook due to anticipated quarterly net interest margin (NIM) gains of 1-2 basis points in the second half of 2025, aiming for a medium-term target of 4% core NIM, especially with potential Federal Reserve rate cuts. The bank has demonstrated robust core deposit growth, with new customers contributing 50% of net new dollars, indicating strong market demand. Additionally, loan originations reached $640 million—the highest level since 2022—reflecting a healthy pipeline that bodes well for continued growth in the upcoming quarters.

Bears say

Stellar Bancorp's recent financial data reveals a slight decline in its net interest margin (NIM), which fell to 4.18%, accompanied by a core NIM of 3.95%, both down 2 basis points from the previous quarter. The diminishing NIM is concerning as it indicates potential pressure on overall earnings growth, exacerbated by the anticipated run-off of purchase accounting accretion. Additionally, there appear to be no immediate catalysts to enhance earnings in the near term, contributing to an overall negative outlook for the stock.

STEL has been analyzed by 3 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 33% recommend Buy, 67% 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 3 analysts, STEL has a Hold consensus rating as of Nov 25, 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 $31.33, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $31.33, 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: 241.22K

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