Stellar Bancorp, Inc. (STEL)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$39.320.00%
Close 2026-07-01 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · STEL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 37.5% |
| Our one-year growth estimate | diamond | -13.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 51.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 231 industry peers · Company calendar date is not available
STEL — M&A activity — Changes in Control of the Registrant
Dated 2026-07-01
Changes in Control of the Registrant. The information set forth under Items 2.01, 3.01, 3.03 and 5.02 of this Current Report on Form 8-K is incorporated by reference into this
Why it matters: Stellar merged into Prosperity on July 1. The next results can show how the combined bank handles costs and credit.
Watch forProsperity reports lower merger costs. Its nonperforming assets are below 0.64% of assets in its first results after the merger.
Also watch forMerger costs remain high, or nonperforming assets rise above 0.64% of assets.
Why it matters: This would mark a rise from Stellar's first-quarter level and point to more loan stress.
Worry ifThe next reported ratio of nonperforming assets is more than 0.64% of total assets.
Less concerning ifThe next reported ratio of nonperforming assets is 0.64% of total assets or less.
Why it matters: Stellar's loans grew 3.94% in the first quarter. The financial sector's growth trend is easing.
Worry ifA reported quarter shows loan growth below 3.94% from the prior quarter.
Less concerning ifA reported quarter shows loan growth at or above 3.94% from the prior quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$64 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $165 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,063 loss on $10,000 · 10.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.