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STEL
Volume: 1.27M

STEL Stock Forecast & Price Target

STEL Analyst Ratings

Based on 2 analyst ratings
Hold
Strong Buy 0%
Buy 50%
Hold 50%
Sell 0%
Strong Sell 0%

Bulls say

Stellar Bancorp's outlook is bolstered by anticipated quarterly net interest margin (NIM) gains of 1-2 basis points in the second half of 2025, aiming for a medium-term target of 4% core NIM, amplified by potential Federal Reserve rate cuts. The company has demonstrated strong core deposit growth, with 50% of net new dollars coming from new customers, indicating a robust customer acquisition strategy. Additionally, loan originations have surged to $640 million, the highest level since 2022, with a balanced mix of commercial and industrial lending as well as selective commercial real estate loans, supporting a positive growth trajectory for the coming quarters.

Bears say

Stellar Bancorp's net interest margin (NIM) has experienced a slight decline, demonstrating reduced profitability potential, with the core NIM decreasing to 3.95%. The ongoing run-off of purchase accounting accretion is expected to continue exerting upward pressure on earnings growth, indicating a lack of immediate catalysts for improvement. Consequently, these trends contribute to a negative outlook regarding the company's financial performance and stock value.

STEL has been analyzed by 2 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 50% recommend Buy, 50% 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 2 analysts, STEL has a Hold consensus rating as of Feb 4, 2026. 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 $37, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $37, 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: 1.27M

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