Stellar Bancorp, Inc. (STEL)
National Commercial Banks · Financial Services · $2.0B
Intrinsic Value (Consensus)
$30.12
Current Price
$38.59
Margin of Safety
-21.9%
21.9% Above Intrinsic Value
Value: $30
Price: $39
Valuation Model Estimates
Current Price: $38.59
DCF (Discounted Cash Flow)
$23.06
Graham Number
$38.31
Earnings Power Value
$19.32
Relative Value (P/E)
$39.80
Dividend Discount Model
$1.81
Consensus Value
$30.12
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
45
Profitability
15/25
Strength
17/25
Valuation
9/25
Growth
4/25
Key Financials
- EPS (TTM)
- $1.99
- EPS (Forward)
- $2.03
- Book Value
- $32.78
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 6.2%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance