Stellar Bancorp, Inc. (STEL)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$39.320.00%
Close 2026-07-01 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · STEL
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-07-10.
The screen ranks STEL against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 4 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Successfully execute the merger with Prosperity Bancshares, with Prosperity as the surviving corporation.
Stated as a priority in 3 of last 3 quarters, Stellar Bancorp announced the merger agreement with Prosperity Bancshares in 2026-Q2 and completed the merger on July 1, 2026. The merger was executed as planned, delivering on the stated priority.
“On July 1, 2026, Stellar Bancorp merged with Prosperity Bancshares, with Prosperity continuing as the surviving corporation.”
“Stellar Bancorp entered into an Agreement and Plan of Merger with Prosperity Bancshares on January 27, 2026.”
“Stellar announced the merger with Prosperity as the surviving corporation.”
Maintain disciplined capital allocation through quarterly dividends and share repurchase programs.
Capital allocation was stated as a priority in 3 of last 3 quarters with consistent quarterly dividends of $0.15 per share declared in 2026-Q1 and 2026-Q2, alongside a share buyback program announced in 2026-Q1. The company maintained disciplined capital allocation through these actions, delivering on stated commitments.
“Board declared quarterly cash dividend of $0.15 per share payable June 26, 2026.”
Manage regulatory filings and NYSE delisting process in connection with the merger completion.
Newly stated in 2026-Q3, Stellar Bancorp managed regulatory compliance by notifying the NYSE of the merger consummation and requesting delisting effective July 1, 2026. This action aligns with the merger completion and regulatory requirements, delivering on this priority.
“Notified NYSE of merger consummation and requested suspension and withdrawal of Stellar common stock listing effective July 1, 2026.”
Over the trailing year it converted 0.70x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates (low R² over the window).
21 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“Board declared quarterly cash dividend of $0.15 per share payable March 31, 2026.”
“Announced share buyback program as part of capital allocation strategy.”