Stellar Bancorp, Inc.
STEL · National Commercial Banks · 50.9M shares · +21%/yr ↑ dilution · EDGAR filings ↗
Grade
C60Stellar Bancorp — Texas bank with low ROE.
Strengths
- Strong cash position (71st pct)
Risks
- Net income down (7th pct); ROE 6.2% (16th) weak
- CRE/rate sensitivity
Notable findings
- Chronic dilutionShare count +21%/yr over 4y (dilution, book value/share -4%)
- Strong balance sheetStrong balance sheet — $419M cash & investments
- Pending merger• termination of the merger agreement could trigger payment of a termination fee by us; and • we may not realize the anticipated benefits of the proposed merger
Key metrics
Return on equity
6.2%
Return on assets
1.0%
Net-income growth
-10.5%
Free cash flow
$93M
Tangible book value
$1.1B
Cash & investments
$419M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-17 | Sirkel Jason D. | Option exercise | 30K | $21.00 |
| 2026-05-06 | Robertson Fred S. | Gift | 2.2K | — |
| 2026-05-06 | Robertson Fred S. | Gift | 2.2K | — |
| 2026-03-15 | Franklin Robert R Jr | Tax withheld | 3.8K | $35.51 |
| 2026-03-15 | Egge Paul P | Tax withheld | 993 | $35.51 |
| 2026-03-15 | Vitulli, III Ramon A. | Tax withheld | 1.3K | $35.51 |
| 2026-03-15 | Retzloff Steven F. | Tax withheld | 1.2K | $35.51 |
| 2026-03-15 | Sirkel Jason D. | Tax withheld | 444 | $35.51 |
| 2026-03-15 | Long Justin M | Tax withheld | 796 | $35.51 |
| 2026-03-15 | Akin Okan I. | Tax withheld | 618 | $35.51 |
| 2026-03-15 | West Joe F | Tax withheld | 676 | $35.51 |
| 2026-03-01 | West Joe F | Grant | 3.2K | — |
| 2026-03-01 | West Joe F | Tax withheld | 412 | $37.66 |
| 2026-03-01 | Franklin Robert R Jr | Grant | 11K | — |
| 2026-03-01 | Franklin Robert R Jr | Grant | 17K | — |
| 2026-03-01 | Franklin Robert R Jr | Tax withheld | 1.2K | $37.66 |
| 2026-03-01 | Egge Paul P | Grant | 4.6K | — |
| 2026-03-01 | Egge Paul P | Tax withheld | 584 | $37.66 |
| 2026-03-01 | Vitulli, III Ramon A. | Grant | 6.0K | — |
| 2026-03-01 | Vitulli, III Ramon A. | Grant | 6.0K | — |
| 2026-03-01 | Vitulli, III Ramon A. | Tax withheld | 735 | $37.66 |
| 2026-03-01 | Retzloff Steven F. | Grant | 5.4K | — |
| 2026-03-01 | Retzloff Steven F. | Grant | 8.0K | — |
| 2026-03-01 | Retzloff Steven F. | Tax withheld | 665 | $37.66 |
| 2026-03-01 | Egge Paul P | Grant | 4.6K | — |
| 2026-03-01 | Sirkel Jason D. | Grant | 2.3K | — |
| 2026-03-01 | Sirkel Jason D. | Grant | 2.3K | — |
| 2026-03-01 | Sirkel Jason D. | Tax withheld | 263 | $37.66 |
| 2026-03-01 | Long Justin M | Grant | 3.5K | — |
| 2026-03-01 | Long Justin M | Grant | 3.5K | — |
| 2026-03-01 | Long Justin M | Tax withheld | 452 | $37.66 |
| 2026-03-01 | Akin Okan I. | Grant | 2.9K | — |
| 2026-03-01 | Akin Okan I. | Grant | 2.9K | — |
| 2026-03-01 | Akin Okan I. | Tax withheld | 365 | $37.66 |
| 2026-03-01 | West Joe F | Grant | 3.2K | — |
| 2025-12-31 | Long Justin M | Tax withheld | 374 | $30.94 |
| 2025-12-31 | Akin Okan I. | Tax withheld | 276 | $30.94 |
| 2025-12-31 | West Joe F | Tax withheld | 315 | $30.94 |
| 2025-12-31 | Franklin Robert R Jr | Tax withheld | 2.6K | $30.94 |
| 2025-12-31 | Egge Paul P | Tax withheld | 446 | $30.94 |
| 2025-12-31 | Vitulli, III Ramon A. | Tax withheld | 595 | $30.94 |
| 2025-12-31 | Retzloff Steven F. | Tax withheld | 1.3K | $30.94 |
| 2025-12-09 | Jeter Frances H. | Gift | 630 | — |
| 2025-12-09 | Jeter Frances H. | Gift | 315 | — |
| 2025-12-09 | Jeter Frances H. | Gift | 155 | — |
| 2025-10-01 | Franklin Robert R Jr | Tax withheld | 1.7K | $30.00 |
| 2025-10-01 | Long Justin M | Tax withheld | 1.4K | $30.00 |
| 2025-10-01 | Akin Okan I. | Tax withheld | 1.5K | $30.00 |
| 2025-10-01 | West Joe F | Tax withheld | 1.0K | $30.00 |
| 2025-10-01 | Franklin Robert R Jr | Disposition | 11K | — |
| 2025-10-01 | Egge Paul P | Tax withheld | 1.5K | $30.00 |
| 2025-10-01 | Vitulli, III Ramon A. | Tax withheld | 1.8K | $30.00 |
| 2025-10-01 | Retzloff Steven F. | Disposition | 5.8K | — |
| 2025-10-01 | Retzloff Steven F. | Tax withheld | 982 | $30.00 |
| 2025-08-27 | Jeter Frances H. | Gift | 80 | — |
| 2025-06-13 | Long Justin M | Other | 181 | — |
| 2025-06-06 | Dopjera Cynthia A | Grant | 2.2K | — |
| 2025-06-06 | Reaud Reagan A | Grant | 2.2K | — |
| 2025-06-06 | Swinbank Joe B | Grant | 2.2K | — |
| 2025-06-06 | Wilson William E Jr | Grant | 2.2K | — |
| 2025-06-06 | Williams John E Jr | Grant | 2.2K | — |
| 2025-06-06 | Bellows Laura D. | Grant | 2.2K | — |
| 2025-06-06 | Robertson Fred S. | Grant | 2.2K | — |
| 2025-06-06 | Jeter Frances H. | Grant | 2.2K | — |
| 2025-06-06 | Beckworth John | Grant | 2.2K | — |
| 2025-06-06 | Tombar Tymothi O. | Grant | 2.2K | — |
| 2025-06-06 | Duplantier Jon-Al | Grant | 2.2K | — |
| 2025-06-06 | Penland Joe Sr | Grant | 2.2K | — |
| 2025-05-21 | Jeter Frances H. | Gift | 360 | — |
| 2025-05-21 | Robertson Fred S. | Gift | 2.7K | — |
| 2025-05-21 | Robertson Fred S. | Gift | 2.7K | — |
| 2025-03-15 | Long Justin M | Tax withheld | 796 | $27.64 |
| 2025-03-15 | Akin Okan I. | Tax withheld | 618 | $27.64 |
| 2025-03-15 | West Joe F | Tax withheld | 676 | $27.64 |
| 2025-03-15 | Franklin Robert R Jr | Tax withheld | 2.4K | $27.64 |
| 2025-03-15 | Egge Paul P | Tax withheld | 993 | $27.64 |
| 2025-03-15 | Vitulli, III Ramon A. | Tax withheld | 1.3K | $27.64 |
| 2025-03-15 | Retzloff Steven F. | Tax withheld | 1.2K | $27.64 |
| 2025-03-01 | Akin Okan I. | Grant | 3.7K | — |
| 2025-03-01 | Akin Okan I. | Grant | 5.1K | — |
| 2025-03-01 | West Joe F | Grant | 4.2K | — |
| 2025-03-01 | West Joe F | Grant | 5.7K | — |
| 2025-03-01 | Franklin Robert R Jr | Grant | 14K | — |
| 2025-03-01 | Franklin Robert R Jr | Grant | 30K | — |
| 2025-03-01 | Egge Paul P | Grant | 5.9K | — |
| 2025-03-01 | Egge Paul P | Grant | 8.2K | — |
| 2025-03-01 | Vitulli, III Ramon A. | Grant | 7.8K | — |
| 2025-03-01 | Vitulli, III Ramon A. | Grant | 11K | — |
| 2025-03-01 | Long Justin M | Grant | 4.6K | — |
| 2025-03-01 | Long Justin M | Grant | 6.3K | — |
| 2025-03-01 | Retzloff Steven F. | Grant | 6.9K | — |
| 2025-03-01 | Retzloff Steven F. | Grant | 14K | — |
| 2025-02-21 | Long Justin M | Disposition | 7.3K | — |
| 2025-02-21 | Akin Okan I. | Disposition | 5.4K | — |
| 2025-02-21 | West Joe F | Disposition | 6.2K | — |
| 2025-02-21 | Franklin Robert R Jr | Disposition | 32K | — |
| 2025-02-21 | Egge Paul P | Disposition | 8.8K | — |
| 2025-02-21 | Vitulli, III Ramon A. | Disposition | 12K | — |
| 2025-02-21 | Retzloff Steven F. | Disposition | 16K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-27 | 2026-05-27 | 0001193125-26-242039 ↗ |
| 8-K | 2026-05-20 | 2026-05-20 | 0001193125-26-232794 ↗ |
| 8-K | 2026-05-20 | 2026-05-20 | 0001473844-26-000027 ↗ |
| 10-Q | 2026-04-28 | 2026-03-31 | 0001473844-26-000025 ↗ |
| 8-K | 2026-04-28 | 2026-04-28 | 0001473844-26-000023 ↗ |
| 8-K | 2026-04-22 | 2026-04-22 | 0001473844-26-000019 ↗ |
| 10-K/A | 2026-04-17 | 2025-12-31 | 0001473844-26-000015 ↗ |
| 8-K | 2026-04-01 | 2026-04-01 | 0001473844-26-000010 ↗ |
| 10-K | 2026-02-26 | 2025-12-31 | 0001473844-26-000006 ↗ |
| 8-K | 2026-02-25 | 2026-02-25 | 0001473844-26-000003 ↗ |
| 8-K | 2026-01-29 | 2026-01-27 | 0001104659-26-007678 ↗ |
| 8-K | 2026-01-28 | 2026-01-28 | 0001104659-26-007187 ↗ |