Stellar Bancorp Inc Stock Price Today (NSE: STEL)

Stellar Bancorp Inc

582.6038.80 (6.24%)
Market Closed

Fundamental Score

...

Stellar Bancorp Inc Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Stellar Bancorp Inc share price today is 582.60, down 6.24% on NSE/BSE as of 17 June 2026. Stellar Bancorp Inc (STEL) is a Small-cap company in the Investment Company sector with a market capitalisation of 953.62 (Cr). The 52-week high for STEL share price is 633.30 and the 52-week low is 380.00. At a P/E ratio of 55.87x, STEL is currently trading above its industry average P/E of 31.61x. The company has a Return on Equity (ROE) of 0.97% and a debt-to-equity ratio of 0.00.

Stellar Bancorp Inc Share Price Chart — NSE/BSE Historical Performance

No data
High
582.60
Low
430.00
Volume
6.4K
Change
+0.44%

Stellar Bancorp Inc share price chart: 0.44% return over the past month. 52-week high ₹633.30, 52-week low ₹380.00.

Stellar Bancorp Inc — Last 10 Trading Days

DateOpenHighLowCloseVolume
444.95500.00444.95485.4094.32K (Cr)
430.00446.70430.00441.601.98K (Cr)
451.00453.00435.60441.958.27K (Cr)
457.50472.45451.00456.052.74K (Cr)
455.30469.95454.50457.502.81K (Cr)
446.05485.00446.05468.109.64K (Cr)
442.00453.00442.00443.801.33K (Cr)
448.00455.85446.95453.503.51K (Cr)
448.00448.00430.00438.752.77K (Cr)
440.40455.60437.65438.706.19K (Cr)

Stellar Bancorp Inc — Last 12 Months Price History

MonthOpenHighLowCloseChange
430.00500.00430.00485.40+12.88%
473.90498.95430.00441.95-6.74%
418.00498.10417.95467.30+11.79%
427.10541.40415.70422.40-1.10%
422.75519.90394.45493.95+16.84%
497.40526.90385.10443.60-10.82%
509.00633.30481.65497.25-2.31%
419.00598.00393.00494.95+18.13%
431.00446.90380.00412.35-4.33%
469.70530.00405.10412.80-12.11%
401.20469.80396.05461.05+14.92%
414.70430.90391.35412.10-0.63%

AI Research Briefing

Powered by Gemini · 2026-04-10

Stellar is now Prosperity Bancshares; success hinges on merger integration, not Stellar's standalone performance.

Research Confidence
6.0/10Moderate
M&A INTEGRATIONStellar's price is now tied to Prosperity's stock performance post-announcement.Dependent on Prosperity Bancshares' valuation, not Stellar's historical metrics.

WHAT'S HAPPENING NOW (last 2-4 weeks)

No major catalysts found after live search. However, Stellar Bancorp did redeem its remaining $30 million aggregate principal amount of 4.70% Fixed-to-Floating Rate Subordinated Notes due 2029 on April 1, 2026. The notes were redeemed at 100% of the principal amount, plus accrued and unpaid interest.

CORE STORY (THE REAL GAME)

Why Now
  • Merger agreement in place with Prosperity Bancshares
  • Prosperity's management has a track record of successful acquisitions.
  • Regulatory approvals are progressing
Potential Catalysts
  • Successful integration of Stellar's operations
  • Realization of cost synergies
  • Positive earnings surprises from the combined entity
Key Risks
  • Integration challenges leading to cost overruns
  • Regulatory delays or roadblocks
  • Employee attrition and customer disruption
Institutional Activity

Deal involves issuing 0.3803 shares of Prosperity stock and $11.36 in cash for each Stellar share.

Macro Context

India's capital market is seeing a shift towards domestic strength with rising DIIs, reducing volatility.

Cash Flow Quality

N/A - irrelevant post-acquisition.

3–6 Month Outlook

Focus shifts to Prosperity's ability to extract value from the acquisition over the next 3-6 months. Watch for integration updates and management commentary.

Primary Thesis Risk

Failed merger integration destroys value for Prosperity shareholders.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Poor

Return on Equity (ROE)

0.97%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

1.30%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

96.58%

Average operating profit margin over 5 years

Dividend Yield

0.00%

Annual dividend as % of current share price

Stellar Bancorp Inc Valuation Check

Poor

Price to Earnings (P/E)

55.87x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

31.61x

Average P/E of all peers in this sector

Market-cap Classification
Small-cap
Higher growth potential with higher volatility.

Shareholding Pattern

Excellent

Promoter Holding

70.83%

% shares held by company founders/management

Poor

FII Holding

0.01%

% shares held by foreign institutional investors

Poor

DII Holding

0.17%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Average

Profit Growth (Quarterly YoY)

16.26%

Net profit growth vs same quarter last year

Good

Revenue Growth (Quarterly YoY)

16.58%

Revenue growth vs same quarter last year

Poor

Revenue Growth (5-Year CAGR)

6.15%

Compounded annual revenue growth over 5 years

Poor

EPS Growth (5-Year CAGR)

0.91%

Earnings per share growth over 5 years

Poor

Net Profit Growth (5-Year CAGR)

0.91%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Excellent

Debt to Equity Ratio

0.00x

Total debt ÷ equity. Below 0.5 = financially healthy

Interest Coverage Ratio

N/A

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

73.74 (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Stellar Bancorp Inc Fundamental Analysis & Valuation Benchmarking

Educational evaluation of STEL across key market metrics for learning purposes.

Positive Indicators

6 factors identified

Strong Operating Margins (96.58%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Strong Revenue Growth (16.58%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Debt-Free Balance Sheet (D/E: 0.00)

Observation: Low leverage provides financial flexibility and reduced risk.

Analysis: Conservative debt structure offers resilience during economic downturns.

Strong Cash Generation (₹73.74 Cr over 5Y)

Observation: Healthy free cash flow generation supports growth and returns.

Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.

Balanced Promoter Holding (70.83%)

Observation: Optimal balance between promoter control and public float.

Analysis: Promoter holding in 50-75% range provides management alignment.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

7 factors identified

Below-Average Return on Equity (0.97%)

Observation: Returns on equity are below industry benchmarks.

Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.

Suboptimal ROCE (1.30%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.

Premium Valuation Risk (P/E: 55.87x)

Observation: High valuation multiples may limit upside potential.

Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.

Weak Earnings Growth (0.91% CAGR)

Observation: Below-average 5-year EPS growth performance.

Analysis: Low EPS growth may not keep pace with inflation.

Stagnant Profit Growth (0.91% CAGR)

Observation: Limited 5-year profit growth trajectory.

Analysis: Low profit growth may indicate scalability challenges or market maturity.

Limited Institutional Interest (FII+DII: 0.18%)

Observation: Low institutional participation may affect liquidity.

Analysis: Limited institutional interest may indicate size constraints or visibility issues.

No Dividend Distribution

Observation: Company does not currently pay dividends to shareholders.

Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.

Stellar Bancorp Inc vs Investment Company Peers

Peer Comparison - Investment Company

Compare Stellar Bancorp Inc with 10 other companies in the same sector

11 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
36.5/100
583
₹953.62
55.9
Average
0.97%
Poor
1.30%
Poor
0.0
Excellent
0.91%
Average
6.15%
Good
0.00%
40.3/100
235
₹193584.72
120.3
Average
1.23%
Poor
1.47%
Poor
0.1
Excellent
0.16%
44.4/100
351
₹93136.66
28.5
Average
11.49%
Average
9.33%
Poor
4.9
Poor
28.82%
Excellent
19.47%
Excellent
0.00%
59.4/100
672
₹37690.94
107.1
Average
1.02%
Poor
1.21%
Poor
0.0
Excellent
28.08%
Excellent
16.17%
Excellent
0.36%
59/100
1521
₹35579.07
16.0
Average
19.11%
Good
10.57%
Average
13.7
Poor
31.60%
Excellent
20.37%
Excellent
0.07%
51.9/100
13406
₹30446.99
21.1
Average
30.20%
Excellent
15.21%
Good
6.3
Poor
25.93%
Excellent
17.77%
Excellent
0.62%
33.9/100
12883
₹23436.99
199.0
Average
0.64%
Poor
0.85%
Poor
0.0
Excellent
10.92%
Good
15.44%
Excellent
0.00%
43.3/100
12559
₹16616.68
53.6
Average
0.61%
Poor
0.59%
Poor
0.0
Excellent
-0.55%
Poor
-2.71%
Poor
1.10%
73.8/100
456
₹12947.55
28.1
Average
7.93%
Poor
2.27%
Poor
0.0
Excellent
39.46%
Excellent
10.70%
Good
1.00%
32.9/100
236
₹8051.02
76.7
Average
5.15%
Poor
8.39%
Poor
0.1
Excellent
16.65%
Excellent
25.38%
Excellent
0.00%
43.2/100
5600
₹3476.12
144.5
Average
0.32%
Poor
0.44%
Poor
0.0
Excellent
18.96%
Excellent
16.26%
Excellent
0.00%

Stellar Bancorp Inc PE Ratio History

Historical price-to-earnings ratio for STEL — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 20258.60₹497.2557.8x
FY 20242.15₹405.35188.5x
FY 20247.19₹405.3556.4x
FY 20232.45₹321.75131.3x
FY 20236.64₹321.7548.5x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Stellar Bancorp Inc Dividend History

Annual cash dividends paid by STEL — dividend yield N/A

Financial YearDividends Paid (₹ Cr)
FY 20242.83 Cr
FY 20232.77 Cr
FY 20221.54 Cr
FY 20210.97 Cr

Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.

Stellar Bancorp Inc Quarterly Performance

Latest quarterly metrics for STEL — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

16.58%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

16.26%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

6.15%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

0.91%

Compounded annual net profit growth over 5 years

Stellar Bancorp Inc Technical Indicators

SMA 50, SMA 200, RSI and volume signals for STEL — calculated from daily price history

35RSI 14
Neutral — RSI 35

Momentum is balanced — neither overbought nor oversold.

SMA 50
460
▲ Price above SMA 50 — Short-term bullish
SMA 200
465
▲ Price above SMA 200 — Long-term uptrend
30-Day Avg Volume
6K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Stellar Bancorp Inc Financial Statements

Annual income statement, balance sheet and cash flow for Stellar Bancorp Inc (STEL) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Stellar Bancorp Inc

About STEL (Stellar Bancorp Inc)

Stellar Bancorp Inc. is a Houston-based financial holding company established in 2023, primarily focused on serving the Texas market. It operates through its subsidiary, Stellar Ba...nk, offering a comprehensive suite of banking services tailored to businesses, professionals, and individuals. These services include commercial lending, treasury management, and deposit accounts, leveraging both traditional branch networks and digital platforms to provide accessibility and convenience. The bank's strategy emphasizes relationship-driven banking, fostering long-term partnerships with clients by understanding their specific financial needs and providing customized solutions. Stellar Bancorp aims to distinguish itself through local expertise and a commitment to contributing to the economic growth of the communities it serves. Stellar Bancorp's financial strategy revolves around organic growth supplemented by strategic acquisitions within the Texas region. Management focuses on disciplined credit underwriting and maintaining a strong capital base to support lending activities and absorb potential economic downturns. Revenue generation is diversified across various lines of business, including commercial real estate, energy lending, and small business administration (SBA) loans. Expense management is a key priority, with efforts focused on streamlining operations and leveraging technology to improve efficiency. The company is committed to building a strong risk management framework that is in line with the requirements of regional and federal regulators. The competitive landscape for Stellar Bancorp includes regional banks, national banks, and credit unions operating within Texas. To differentiate itself, Stellar Bancorp emphasizes its local market expertise, personalized service, and swift decision-making. The company invests in attracting and retaining experienced bankers with deep ties to the local communities. Additionally, Stellar Bancorp is making targeted investments in technology to enhance its digital banking capabilities and provide a seamless customer experience. By combining local knowledge, relationship banking, and modern technology, Stellar Bancorp aims to establish a sustainable competitive advantage and deliver long-term value to its shareholders.

Company Details

Symbol:STEL
Industry:Investment Company
Sector:Investment Company

Key Leadership

Mr. Abraham Ittyipe
Manager & Whole-Time Director
Mr. Sivarama Neelakantan Krishnan
Chief Financial Officer
Ms. Lakshmi Pallavur Sivasubramanian
Company Secretary & Compliance Officer

STEL Share Price: Frequently Asked Questions

What is the current share price of Stellar Bancorp Inc?

Stellar Bancorp Inc (STEL) trades at ₹582.60 on NSE and BSE. Market cap ₹953.62 (Cr). Educational data only.

What is the P/E ratio of Stellar Bancorp Inc?

Stellar Bancorp Inc has a P/E of 55.87x vs industry average 31.61x.

What is the Bull Run score for Stellar Bancorp Inc?

Stellar Bancorp Inc has a Bull Run score of 36.5/100 based on 25+ financial parameters.

Does Stellar Bancorp Inc pay dividends?

Stellar Bancorp Inc has a dividend yield of 0.00%. Past dividends don't guarantee future payments.

What is the ROE of Stellar Bancorp Inc?

Stellar Bancorp Inc has ROE of 0.97%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Stellar Bancorp Inc?

Stellar Bancorp Inc has debt-to-equity of 0.00.

Is Stellar Bancorp Inc a good investment?

Bull Run gives Stellar Bancorp Inc a score of 36.5/100. This is not investment advice — consult a SEBI-registered advisor.