Stellar Bancorp, INC. (STEL) — SEC Filings

Q: What are the key financial highlights for Stellar Bancorp, INC.?

Key financial highlights for Stellar Bancorp, INC. are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Stellar Bancorp, INC.?

Key executives at Stellar Bancorp, INC. are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Stellar Bancorp, INC. stock?

Risk factors for Stellar Bancorp, INC. (STEL) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Stellar Bancorp, INC.?

Forward-looking statements and predictions from Stellar Bancorp, INC. are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Stellar Bancorp, INC.. Recent 8-K filing on Apr 22, 2026. AI-decoded analysis of earnings, risk factors, and insider trades.

View Stellar Bancorp, INC. on SEC EDGAR

Overview

Stellar Bancorp, INC. (STEL) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 22, 2026: Stellar Bancorp, Inc. filed an 8-K on April 22, 2026, reporting other events and financial statements. The filing includes a press release regarding a merger, though specific details of the merger, including the other party involved or any financial figures, are not provided in this summary.

Sentiment Summary

Across 31 filings, the sentiment breakdown is: 1 bearish, 29 neutral, 1 mixed. The dominant filing sentiment for Stellar Bancorp, INC. is neutral.

Filing Type Overview

Stellar Bancorp, INC. (STEL) has filed 19 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 2 SC 13G/A with the SEC between Jan 2024 to Apr 2026.

Filings by Year

2026 · 2025 · 2024

Recent Filings (31)

Stellar Bancorp Files 8-K with Merger Press Release — 8-K · Apr 22, 2026 Risk: medium
Stellar Bancorp, Inc. filed an 8-K on April 22, 2026, reporting other events and financial statements. The filing includes a press release regarding a merger, t
Stellar Bancorp Files 8-K: Financial Statements & Exhibits — 8-K · Nov 20, 2025 Risk: low
On November 20, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, with no specific material even
Stellar Bancorp's Q3 Net Income Plunges 24% Amid Loan & Deposit Declines — 10-Q · Oct 24, 2025 Risk: medium
Stellar Bancorp, Inc. reported a net income of $25.67 million for the three months ended September 30, 2025, a significant decrease from $33.89 million in the s
Stellar Bancorp Files 8-K: Regulation FD & Exhibits — 8-K · Sep 2, 2025 Risk: low
On August 29, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and includes Financial Statements and Exhi
Stellar Bancorp Files 8-K Report — 8-K · Aug 28, 2025 Risk: low
On August 27, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns "Other Events" and "Financial Statements and Exhibits," indicating
Stellar Bancorp Q2 Net Income Dips to $25.3M Amidst Rate Headwinds — 10-Q · Jul 25, 2025 Risk: medium
Stellar Bancorp, Inc. reported a net income of $25.3 million for the second quarter of 2025, a decrease from $28.1 million in the second quarter of 2024. For th
Stellar Bancorp Announces Director Changes and Officer Appointments — 8-K · Jun 16, 2025 Risk: low
On June 12, 2025, Stellar Bancorp, Inc. filed an 8-K report detailing the departure of director Robert L. B. Jr. and the election of new director Michael J. Mcc
8-K Filing — 8-K · May 28, 2025
Stellar Bancorp Files 8-K: Director Changes & Compensation Updates — 8-K · May 22, 2025 Risk: medium
On May 21, 2025, Stellar Bancorp, Inc. filed an 8-K report detailing several key events. The company announced the departure of a director, the election of a ne
Stellar Bancorp Files Q1 2025 10-Q — 10-Q · Apr 25, 2025 Risk: low
Stellar Bancorp, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial performance and operational updates for the first quarte
Stellar Bancorp Files 8-K — 8-K · Apr 23, 2025 Risk: low
On April 23, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing indicates no specific material events or transactions to report as of that date, sugges
Stellar Bancorp Files 2025 Proxy Statement — DEF 14A · Apr 10, 2025 Risk: low
Stellar Bancorp, Inc. filed its definitive proxy statement (DEF 14A) on April 10, 2025, for the fiscal year ending December 31, 2025. The filing, with SEC file
Stellar Bancorp Files 8-K — 8-K · Mar 4, 2025 Risk: low
On March 4, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns Regulation FD Disclosure and Financial Statements and Exhibits. No sp
Stellar Bancorp Files 2024 10-K — 10-K · Mar 3, 2025 Risk: medium
Stellar Bancorp, Inc. filed its 2024 10-K on March 3, 2025, reporting on its fiscal year ending December 31, 2024. The company, formerly known as CBTX, Inc., is
Stellar Bancorp Files 8-K for Financials — 8-K · Feb 26, 2025 Risk: low
On February 26, 2025, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns financial statements and exhibits, indicating routine corporate d
Stellar Bancorp Files 8-K on Financials — 8-K · Jan 30, 2025 Risk: low
On January 30, 2025, Stellar Bancorp, Inc. filed an 8-K report detailing results of operations and financial condition. The filing includes financial statements
Stellar Bancorp Reports Board and Officer Changes — 8-K · Jan 10, 2025 Risk: medium
On January 6, 2025, Stellar Bancorp, Inc. reported a change in its board of directors and certain officers. The filing details the departure of directors, the e
Stellar Bancorp Completes Acquisition of CBTX, Inc. — 8-K · Dec 18, 2024 Risk: medium
On December 13, 2024, Stellar Bancorp, Inc. announced the completion of its acquisition of CBTX, Inc. The transaction was previously announced on March 28, 2024
Stellar Bancorp Files 8-K — 8-K · Nov 21, 2024 Risk: low
On November 21, 2024, Stellar Bancorp, Inc. filed an 8-K report. The filing primarily concerns other events and financial statements/exhibits, with no specific
Stellar Bancorp Files Q3 2024 10-Q — 10-Q · Oct 25, 2024 Risk: medium
Stellar Bancorp, Inc. filed its 10-Q for the period ending September 30, 2024. The filing details financial performance and operational updates for the third qu
Stellar Bancorp Files 8-K Report — 8-K · Aug 22, 2024 Risk: low
On August 22, 2024, Stellar Bancorp, Inc. filed an 8-K report to disclose other events and financial statements. The filing does not contain specific financial
Stellar Bancorp Files Q2 2024 10-Q — 10-Q · Jul 26, 2024 Risk: medium
Stellar Bancorp, Inc. filed its 10-Q for the period ending June 30, 2024. The filing details financial performance and operational updates for the second quarte
Stellar Bancorp Files 8-K on Shareholder Vote and Financials — 8-K · Jun 5, 2024 Risk: low
On June 4, 2024, Stellar Bancorp, Inc. filed an 8-K report detailing the submission of matters to a vote of security holders and financial statements. The filin
Stellar Bancorp Files 8-K — 8-K · May 23, 2024 Risk: low
Stellar Bancorp, Inc. filed an 8-K on May 23, 2024, reporting other events and financial statements. The filing details the company's principal executive office
Stellar Bancorp, Inc. Announces 2024 Annual Meeting of Shareholders — DEF 14A · Apr 29, 2024 Risk: low
Stellar Bancorp, Inc. (STEL) filed a Proxy Statement (DEF 14A) with the SEC on April 29, 2024. The 2024 Annual Meeting of Shareholders for Stellar Bancorp, Inc.
Stellar Bancorp, Inc. Files 10-Q for Period Ending March 31, 2024 — 10-Q · Apr 26, 2024 Risk: medium
Stellar Bancorp, Inc. (STEL) filed a Quarterly Report (10-Q) with the SEC on April 26, 2024. Stellar Bancorp, Inc. filed its 10-Q report for the quarterly perio
Stellar Bancorp, Inc. Files 2023 Annual Report on Form 10-K — 10-K · Feb 29, 2024 Risk: medium
Stellar Bancorp, Inc. (STEL) filed a Annual Report (10-K) with the SEC on February 29, 2024. Stellar Bancorp, Inc. filed its 2023 Form 10-K on February 29, 2024
Stellar Bancorp Files 8-K on Feb 22 Event — 8-K · Feb 23, 2024 Risk: medium
Stellar Bancorp, Inc. filed an 8-K on February 23, 2024, reporting an event that occurred on February 22, 2024. The filing indicates 'Other Events' and 'Financi
SC 13G/A Filing — SC 13G/A · Feb 13, 2024
Stellar Bancorp Files 8-K on Financial Results & Reg FD Disclosure — 8-K · Jan 26, 2024
Stellar Bancorp, Inc. filed an 8-K on January 26, 2024, to announce its results of operations and financial condition, as well as to satisfy Regulation FD discl
BlackRock Amends Stellar Bancorp Stake, Maintains Passive Position — SC 13G/A · Jan 23, 2024
BlackRock Inc. filed an amended SC 13G/A on January 23, 2024, disclosing its ownership of Stellar Bancorp, Inc. common stock as of December 31, 2023. This filin

Risk Profile

Risk Assessment: Of STEL's 27 recent filings, 0 were flagged as high-risk, 12 as medium-risk, and 15 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Stellar Bancorp, INC.'s most recent 10-Q filing (Oct 24, 2025):

Revenue: $145.41M
Net Income: $25.67M
EPS: $0.50
Debt-to-Equity: 5.43
Cash Position: $728.45M
Operating Margin: N/A
Total Assets: $10.63B
Total Debt: $70.20M

Key Executives

Robert L. B. Jr.
Michael J. Mcconathy
Steven F. Retzloff

Industry Context

The banking industry is currently navigating a complex environment characterized by fluctuating interest rates, evolving customer deposit behaviors, and ongoing credit risk management. Banks are facing pressure to maintain net interest margins amidst rising funding costs, while also managing loan portfolio quality. Competition remains intense, driving a need for operational efficiency and strategic capital allocation.

Top Tags

8-k (7) · financials (6) · banking (6) · sec-filing (5) · 10-Q (4) · financial-statements (3) · exhibits (3) · governance (3) · filing (3) · Stellar Bancorp (3)

Key Numbers

Net Income (Q3 2025): $25.67M — 24.3% decrease from $33.89M in Q3 2024
Net Income (9M 2025): $76.72M — 14.5% decrease from $89.79M in 9M 2024
Loans held for investment (Sep 30, 2025): $7.17B — Decreased from $7.44B at Dec 31, 2024
Total deposits (Sep 30, 2025): $8.82B — Decreased from $9.13B at Dec 31, 2024
Provision for credit losses (Q3 2025): $0.31M — Shift from a $5.99M reversal in Q3 2024
Repurchase of common stock (9M 2025): $64.24M — Significant increase from $2.84M in 9M 2024
Basic EPS (Q3 2025): $0.50 — Decreased from $0.63 in Q3 2024
Dividends per share (Q3 2025): $0.14 — Increased from $0.13 in Q3 2024
Total Assets (Sep 30, 2025): $10.63B — Decreased from $10.91B at Dec 31, 2024
Accumulated other comprehensive loss (Sep 30, 2025): $77.87M — Improved from $(125.36M) at Dec 31, 2024
Q2 2025 Net Income: $25.3M — Decreased from $28.1M in Q2 2024, indicating profitability pressure.
Total Assets: $9.8B — Increased from $9.7B at year-end 2024, showing modest balance sheet growth.
Total Deposits: $8.1B — Increased from $8.0B at year-end 2024, reflecting stable funding.
Common Equity Tier 1 Ratio: 11.5% — Strong capital position as of June 30, 2025, above regulatory minimums.
Non-Performing Assets to Total Assets: 0.35% — Low ratio, indicating strong asset quality and credit management.

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Frequently Asked Questions

What are the latest SEC filings for Stellar Bancorp, INC. (STEL)?

Stellar Bancorp, INC. has 31 recent SEC filings from Jan 2024 to Apr 2026, including 19 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of STEL filings?

Across 31 filings, the sentiment breakdown is: 1 bearish, 29 neutral, 1 mixed. The dominant sentiment is neutral.

Where can I find Stellar Bancorp, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Stellar Bancorp, INC. (STEL) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Stellar Bancorp, INC.?

Key financial highlights from Stellar Bancorp, INC.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for STEL?

The investment thesis for STEL includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Stellar Bancorp, INC.?

Key executives identified across Stellar Bancorp, INC.'s filings include Robert L. B. Jr., Michael J. Mcconathy, Steven F. Retzloff.

What are the main risk factors for Stellar Bancorp, INC. stock?

Of STEL's 27 assessed filings, 0 were flagged high-risk, 12 medium-risk, and 15 low-risk.

What are recent predictions and forward guidance from Stellar Bancorp, INC.?

Forward guidance and predictions for Stellar Bancorp, INC. are extracted from SEC filings as they are enriched.