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STEL
Volume: 123.66K

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. shows a strong outlook with management anticipating 1–2 basis points (bps) quarterly net interest margin (NIM) gains in the second half of 2025, aiming for a medium-term target of 4% core NIM, potentially enhanced by Federal Reserve rate cuts. The company has experienced robust core deposit growth, with 50% of new deposits coming from new customers, indicating successful customer acquisition strategies. Furthermore, loan originations reached $640 million, marking the highest level since 2022, driven by a balanced mix of commercial and industrial loans as well as selective commercial real estate and construction lending, creating a healthy pipeline for continued growth in subsequent quarters.

Bears say

Stellar Bancorp's net interest margin (NIM) has shown a slight decline, dipping to 4.18%, with the core NIM down to 3.95%, indicating a reduction in core profitability. The continued pressure from the accretion run-off presents a significant challenge to the company's overall earnings growth, suggesting a lack of immediate positive catalysts to improve financial performance. Consequently, these factors contribute to a pessimistic outlook for Stellar Bancorp's stock, highlighting concerns regarding its future profitability.

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 Jan 12, 2026. 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: 123.66K

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