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STEL
Volume: 137.62K
STEL logo

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 positioned for favorable growth, with revenue dynamics projected to exceed 3%, supported by an anticipated improvement in net interest margin (NIM). The bank reported a slight increase in non-performing assets (NPAs) to 0.52% and non-collection rates (NCOs) at 0.11%, reflecting a stable credit quality environment, while core NIM expanded to a robust 3.94%. Additionally, a significant increase in deposits, up 18% quarter-over-quarter, demonstrates strong customer confidence and positions Stellar Bancorp for enhanced operational leverage and revenue growth moving into 2025.

Bears say

Stellar Bancorp faces a challenging economic landscape, with potential downturns likely leading to increased nonperforming assets and net charge-offs, which could adversely impact net income and earnings per share estimates. The company's loan growth remains weak, having declined by 6% quarter-over-quarter, while loan loss reserves decreased marginally, indicating potential pressures on profitability as they navigate rising deposit costs. Additionally, the company's limited ability to achieve significant scale post-merger, coupled with regional economic volatility linked to fluctuating energy prices and the risks associated with future acquisitions, contribute to a negative outlook for Stellar Bancorp's stock.

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 Jul 23, 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: 137.62K

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