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STEL
Volume: 227.17K

STEL Stock Forecast & Price Target

STEL Analyst Ratings

Based on 3 analyst ratings
Hold
Strong Buy 0%
Buy 33%
Hold 67%
Sell 0%
Strong Sell 0%

Bulls say

Stellar Bancorp demonstrates a promising outlook due to its anticipated quarterly net interest margin (NIM) gains, targeting a 4% core NIM in the medium term, bolstered by potential Federal Reserve rate cuts. The company has also experienced robust core deposit growth, with 50% of new deposits originating from new customers, indicating strong market interest and customer acquisition. Additionally, loan originations reached $640 million, the highest since 2022, reflecting a diverse loan portfolio that is expected to support growth in the latter half of 2025.

Bears say

The net interest margin (NIM) for Stellar Bancorp has shown a slight decline to 4.18%, with the core NIM, excluding $5.3 million in purchase accounting accretion, dropping to 3.95%, both down 2 basis points from the last quarter. This diminishing NIM indicates potential pressures on profitability, as the expected run-off from accretion is forecasted to adversely impact overall earnings growth. Additionally, the absence of near-term catalysts for improvement in earnings further compounds the negative outlook for the company’s stock performance.

STEL has been analyzed by 3 analysts, with a consensus rating of Hold. 0% of analysts recommend a Strong Buy, 33% recommend Buy, 67% 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 3 analysts, STEL has a Hold consensus rating as of Dec 31, 2025. 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 $31.33, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $31.33, 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: 227.17K

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