Stellar Bancorp, Inc. (STEL) has a MarketKingdoms composite score of 55.6 (C+), an C-range rating. It ranks 1551st of 1,866 covered companies, 287th of 330 in Financial (sector average 62.7) and 119th of 124 in Banks - Regional. Scores as of 2026-10-26.
Its strongest lenses are Industry opportunity at 79 (Financial average 76) and Trend (momentum) at 79 (Financial average 49). Its weakest lenses are Expansion (growth) at 18 (sector average 51) and Quality (profitability) at 29 (sector average 49).
| Lens | Type | STEL | Financial average | Banks - Regional average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 79 | 76 | 79 | 89th |
| Stock selection | Research signal | 64 | 77 | 79 | 8th |
| KPI momentum | Research signal | 69 | 75 | 77 | 29th |
| Catalyst watch | Research signal | 45 | 69 | 73 | 3rd |
| Price (valuation) | Fundamental lens | 46 | 52 | 59 | 38th |
| Expansion (growth) | Fundamental lens | 18 | 51 | 50 | 3rd |
| Quality (profitability) | Fundamental lens | 29 | 49 | 45 | 18th |
| Trend (momentum) | Fundamental lens | 79 | 49 | 56 | 91st |
The most recent call analysed was held on 2025-10-24 (fiscal 2025 Q3). After it the composite moved from 70.9 to 70.4. MarketKingdoms checks what management promised on each call against what it later delivered.
The composite at the time of each event; today's composite is 55.6.
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| Grupo Cibest S.A. (CIB) | 77.0 | A- | -14.8% |
| ConnectOne Bancorp, Inc. (CNOB) | 74.4 | B+ | +9.6% |
| UNITED COMMUNITY BANKS INC (UCB) | 73.1 | B+ | -0.1% |
| ASSOCIATED BANC-CORP (ASB) | 72.2 | B+ | -1.8% |
| Customers Bancorp, Inc. (CUBI) | 72.2 | B+ | -1.2% |
| QCR HOLDINGS INC (QCRH) | 72.1 | B+ | +9.5% |
| Amalgamated Financial Corp. (AMAL) | 71.9 | B+ | +3.1% |
| WSFS FINANCIAL CORP (WSFS) | 71.8 | B+ | +7.0% |
Stellar Bancorp, Inc. financial statements · Financial sector ranking · Banks - Regional industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.