SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Stellar Bancorp, Inc. (STEL) trades at a trailing P/E of 18.4, forward P/E of 17.3. Trailing earnings yield is 5.43%, forward earnings yield 5.77%. PEG 2.04. Graham Number is $38.48.
Criteria proven by this page:
- VALUE (49/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 17.3 (down from trailing 18.4) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 2.04 — above 2.0 suggests expensive relative to earnings growth.
- Trailing Earnings Yield 5.43% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 5.77% as earnings recover.
- Analyst consensus target $32.00 (-14.5% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 67/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
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VALUE
49/100
Price-to-Earnings & upside
Proven by this page
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HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — STEL
Valuation Multiples
P/E (TTM)18.4
Forward P/E17.3
PEG Ratio2.04
Forward PEG2.04
P/B Ratio1.14
P/S Ratio3.16
EV/EBITDA10.0
Per Share Data
EPS (TTM)$2.01
Forward EPS (Est.)$2.16
Book Value / Share$32.67
Revenue / Share$11.67
FCF / Share$1.86
Yields & Fair Value
Earnings Yield5.43%
Forward Earnings Yield5.77%
Dividend Yield1.56%
Graham Number$38.48
SharesGrow IV$49.18 (+31.4%)
Analyst Target$32.00 (-14.5%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
23.0 |
1.83 |
1.75 |
5.07 |
0.70% |
| 2017 |
24.1 |
-15.06 |
1.49 |
5.14 |
0.66% |
| 2018 |
15.5 |
0.28 |
1.50 |
4.91 |
0.68% |
| 2019 |
15.4 |
2.24 |
1.45 |
4.55 |
1.13% |
| 2020 |
16.2 |
-0.34 |
1.35 |
2.96 |
1.35% |
| 2021 |
10.2 |
0.06 |
1.02 |
3.18 |
1.17% |
| 2022 |
19.9 |
-0.41 |
0.74 |
2.98 |
1.50% |
| 2023 |
11.4 |
0.17 |
0.97 |
2.41 |
1.87% |
| 2024 |
13.2 |
-1.08 |
0.94 |
2.43 |
1.86% |
| 2025 |
15.6 |
-2.09 |
0.96 |
2.69 |
1.83% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.22 |
$123.66M |
$27.21M |
22% |
| 2017 |
$1.22 |
$129.22M |
$27.57M |
21.3% |
| 2018 |
$1.89 |
$148.74M |
$47.29M |
31.8% |
| 2019 |
$2.02 |
$170.56M |
$50.52M |
29.6% |
| 2020 |
$0.90 |
$249.92M |
$45.53M |
18.2% |
| 2021 |
$1.45 |
$261.75M |
$81.55M |
31.2% |
| 2022 |
$1.47 |
$343.35M |
$51.43M |
15% |
| 2023 |
$2.45 |
$615.38M |
$130.5M |
21.2% |
| 2024 |
$2.15 |
$625.45M |
$115M |
18.4% |
| 2025 |
$1.99 |
$596.26M |
$102.87M |
17.3% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.16 |
$2.09 – $2.22 |
$447.55M |
$440.47M – $458.56M |
2 |
| 2027 |
$2.38 |
$2.29 – $2.45 |
$471.73M |
$453.5M – $489.96M |
3 |
