STEL (Stellar Bancorp) GF Value : $24.73 (As of Apr. 25, 2025)

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What is Stellar Bancorp GF Value?

As of today (2025-04-25), Stellar Bancorp's share price is $25.87. Stellar Bancorp's GF Value is $24.73. Therefore, Stellar Bancorp's Price-to-GF-Value for today is 1.05. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Stellar Bancorp is Fairly Valued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Stellar Bancorp (NYSE:STEL) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

Stellar Bancorp's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	25.87	/	24.73
	=	1.05

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Stellar Bancorp GF Value Related Terms

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Stellar Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Stellar Bancorp Inc (NYSE:STEL) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

9 Greenway Plaza, Suite 110, Houston, TX, USA, 77046

Website

https://www.stellar.bank

Stellar Bancorp Inc is a U.S. based bank holding company. Through its subsidiary, Stellar Bank, the company provides a diversified range of commercial banking services predominantly to small to medium sized businesses, professionals, and individual customers. Its offerings include different types of loans, such as mortgage loans, home equity loans, automobile loans, etc.; deposit products, such as checking accounts, commercial accounts, money market accounts, savings accounts, etc.; and other banking services like mobile banking, debit cards, cash management and wire transfer services, letters of credit, and others.

Executives

Justin M Long	officer: SEVP, GC & Secretary	3714 STEVENSON AVE., AUSTIN TX 78703
Wilson William E Jr	director	9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Vitulli, Iii Ramon A.	officer: President	8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Paul P Egge	officer: Senior Executive VP, CFO	8847 W. SAM HOUSTON PARKWAY, N., STE 200, HOUSTON TX 77040
Okan I. Akin	officer: Senior Executive VP, CRO	8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Cynthia A Dopjera	director	9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Joe Sr Penland	director	6550 TRAM ROAD, BEAUMONT TX 77713
Williams John E Jr	director	9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Joe B Swinbank	director	9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
George Martinez	director	38 WINCREST FALLS DR, CYPRESS TX 774295154
John Beckworth	director	8847 W.SAM HOUSTON PARKWAY N., SUITE 200, HOUSTON TX 77040
Jon-al Duplantier	director	C/O PARKER DRILLING COMPANY, 5 GREENWAY PLAZA, SUITE 100, HOUSTON TX 77046
Cambrea R Merriwether	officer: EVP Executive Director of HR	9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Fred S. Robertson	director	8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Shanna R. Kuzdzal	officer: Sr. EVP, GC, Secretary	8847 W. SAM HOUSTON PARKWAY, N., STE 200, HOUSTON TX 77040