Pulling SEC filings + quote and writing the call…

Stellar Bancorp, Inc.
Next earnings Jul 23, 2026 · consensus $0.54 EPS, $112M rev
Last earnings +0.1% on 2026-04-28
Strong net margin (1637.6%); but revenue declined -2.3% YoY.
Sources: SEC EDGAR (CIK 0001473844, latest 10-Q filed 2026-04-28) · EODHD · as of 6/26/2026, 1:53:39 AM.
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Middling fundamentals and a rich price (~59% above fair value) leave little margin of safety — a wait-and-see.
Stellar Bancorp, Inc. shows $6.28M in FY2025 revenue (-2.3% YoY), a 1637.6% net margin, and 6.2% ROE.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $3.69M | $6.06M | $6.43M | $6.28M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $81.6M | $51.4M | $130M | $115M | $103M |
| Diluted EPS | $2.82 | $1.47 | $2.45 | $2.15 | $1.99 |
| Net margin | — | 1393.8% | 2152.0% | 1788.5% | 1637.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1071 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
| 2026-06-17 | Sirkel Jason D. Chief Banking Officer | Exercise | 30.0K @ $21.00 | $630K |
| 2026-05-06 | Robertson Fred S. Director | Gift | 2.23K | |
| 2026-05-06 | Robertson Fred S. Director | Gift | 2.23K | |
| 2026-03-15 | West Joe F Senior Executive VP, CCO | Tax | 676.00 @ $35.51 | $24.0K |
| 2026-03-15 | Vitulli, III Ramon A. President | Tax | 1.32K @ $35.51 | $46.8K |
| 2026-03-15 | Sirkel Jason D. Chief Banking Officer | Tax | 444.00 @ $35.51 | $15.8K |
| 2026-03-15 | Retzloff Steven F. Executive Chairman | Tax | 1.18K @ $35.51 | $41.9K |
| 2026-03-15 | Long Justin M SEVP, GC & Secretary | Tax | 796.00 @ $35.51 | $28.3K |
| 2026-03-15 | Franklin Robert R Jr Chief Executive Officer | Tax | 3.84K @ $35.51 | $136K |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.