$37.15
▼ $-0.29
(-0.77%)
Vol 31K
Mkt Cap
$1.9B
P/E
18.5
ROE
6.3%
Margin
22.2%
Beta
0.78
Div Yield
1.59%
52W
$24–$40
Wall Street Consensus
9 analysts · Apr 20262
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
77.8%
Buy Rating
Price Chart
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Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.52 | $0.52 | $0.00 |
| Sep 2025 | $0.50 | $0.50 | $0.00 |
| Jun 2025 | $0.46 | $0.51 | +$0.05 |
| Mar 2025 | $0.45 | $0.46 | +$0.01 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $108.0M | $104.8M | $104.1M | $105.6M | $108.9M |
| Net Income | — | $25.2M | $24.7M | $26.4M | $25.7M | $26.1M |
Key Ratios
ROA (TTM)
1.0%
P/S (TTM)
2.66
P/B
0.9
EPS (TTM)
$1.99
CF/Share
$2.68
Rev Growth 3Y
+28.4%
52W High
$40.21
52W Low
$24.35
$24.35
52-Week Range
$40.21
Financial Health
Free Cash Flow
$12.0M
Net Debt
-$379.2M
Cash
$419.5M
Total Debt
$40.2M
As of Dec 31, 2025
How does STEL compare to Banking peers?
Peer group: Peers · Banking (Peers) · 10 companies
STEL valuation vs Banking peers
P/E ratio
18.5
▲
34%
above
peers
(13.8)
vs Peers
vs Industry
Overvalued
P/S ratio
2.7
▼
0%
below
peers
(2.7)
vs Peers
vs Industry
Fair value
P/B ratio
1.0
▼
17%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
1.6%
▼
48%
below
peers
(3.1%)
vs Peers
vs Industry
Low yield
STEL profitability vs Banking peers
ROE
6.3%
▼
31%
below
peers
(9.1%)
vs Peers
vs Industry
Weak
Net margin
22.2%
▼
24%
below
peers
(29.3%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.0%
▼
13%
below
peers
(1.1%)
vs Peers
vs Industry
Weak
STEL financial health vs Banking peers
D/E ratio
—
▼
0%
below
peers
(15.2)
vs Peers
vs Industry
High debt
Current ratio
—
—
vs Peers
vs Industry
Low liquidity
Beta
0.8
▼
1%
below
peers
(0.8)
vs Peers
vs Industry
Less volatile
STEL fundamentals radar
STEL
Peer median
Industry
STEL profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
STEL vs peers: key metrics
Insider Activity
NeutralBuys
8
Sells
0
AKIN OKAN I
Officer · Feb 27
award
5710 shs
LONG JUSTIN M
General Counsel · Feb 27
award
7074 shs
SIRKEL JASON
Officer · Feb 27
award
4656 shs
RETZLOFF STEVEN FLOYD
Officer and Director · Feb 27
award
13412 shs
VITULLI RAMON A. III
President · Feb 27
award
12082 shs
EGGE PAUL P
Chief Financial Officer · Feb 27
award
9142 shs
WEST JOE F
Officer · Feb 27
award
6452 shs
FRANKLIN ROBERT R JR
Chief Executive Officer · Feb 27
award
27595 shs
Last 90 days
Top Holders
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13.27%
$252.2M
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6.45%
$122.6M
North Reef Capital Manageme…
5.66%
$107.6M
Dimensional Fund Advisors LP
4.62%
$87.8M
State Street Corporation
4.08%
$77.6M
As of Dec 31, 2025
Dividends
$0.58
/ year
Mar 16, 2026
$0.1500
Dec 15, 2025
$0.1500
Sep 15, 2025
$0.1400
Jun 16, 2025
$0.1400
Mar 17, 2025
$0.1400
Dec 13, 2024
$0.1400
Sep 13, 2024
$0.1300
Jun 14, 2024
$0.1300
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