STEL PEER ANALYSIS

Stellar Bancorp, Inc. — metric-by-metric comparison with peers and the industry median

STELStellar Bancorp, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

STELIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	STEL	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
P/E	19.13	9.99	3.25●	41.93	116.87	25.13	12.58
P/B	1.21	2.73	0.74	0.70	0.69●	1.51	1.26
EV/EBITDA	0.97	7.04	-1.44●	67.48	306.47	54.20	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	STEL	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Current Ratio	0.23	—	33.68●	0.05	0.01	0.09	0.31
Debt/Equity	10.5%	0.0%●	9.1%	258.4%	744.5%	496.5%	38.0%
NetDebt/EBITDA	-11.67●	-0.00	-3.30	49.89	280.57	40.36	-0.58

Profitability
Metric	STEL	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Net Margin	17.8%	58.1%●	30.2%	2.0%	1.4%	6.6%	20.6%
ROE	6.4%	34.1%●	24.2%	1.6%	1.0%	6.1%	10.9%
ROA	1.0%	5.4%●	2.9%	0.1%	0.1%	0.4%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	STEL	KLNMA	BFL	BOQ	LB	EQB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-7.4%	42.3%●	—	-67.9%	-80.9%	-49.0%	19.4%
Div. Yield	1.5%	—	22.6%●	6.5%	4.7%	1.6%	2.5%
Payout	26.7%	—	68.7%	256.1%	335.1%	43.2%	31.4%

Valuation
Metric	STEL	SRCE	FCF	CASH	CHCO	OFG	Ind. Median
P/E	19.13	12.16	13.02	10.15	14.17	9.82●	12.58
P/B	1.21●	1.53	1.32	2.25	2.35	1.53	1.26
EV/EBITDA	0.97●	4.75	10.08	6.48	4.69	6.79	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	STEL	SRCE	FCF	CASH	CHCO	OFG	Ind. Median
Current Ratio	0.23	0.18	4.39	7.45	0.42	8.02●	0.31
Debt/Equity	10.5%	30.0%	12.6%	7.0%●	66.1%	42.3%	38.0%
NetDebt/EBITDA	-11.67●	-4.23	0.37	-0.35	-6.04	-0.19	-0.58

Profitability
Metric	STEL	SRCE	FCF	CASH	CHCO	OFG	Ind. Median
Net Margin	17.8%	26.7%	21.3%	24.5%	33.3%●	24.2%	20.6%
ROE	6.4%	13.2%	10.5%	22.4%●	17.0%	16.0%	10.9%
ROA	1.0%	1.8%	1.3%	2.7%●	2.0%	1.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	STEL	SRCE	FCF	CASH	CHCO	OFG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-7.4%	14.2%●	14.1%	3.5%	11.8%	10.0%	19.4%
Div. Yield	1.5%	2.0%	2.6%●	0.2%	2.5%	2.5%	2.5%
Payout	26.7%	24.5%	35.7%	2.4%	38.3%	25.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jun 30, 26. This content is for informational purposes only and is not investment advice.