STEL Stellar Bancorp PE ratio, current and historical analysis
The current PE ratio for Stellar Bancorp stock as of May 16, 2025 is 12.97. This is calculated based on the current EPS of $2.12 and the stock price of $27.5 per share. The PE ratio has an increase of 6% from the past four quarters average of 12.2.
STEL PE ratio history
The average historical PE ratio of Stellar Bancorp for the last eight years is 14.67. The current price-to-earnings ratio of 12.97 is 12% less than the historical average. In the past eight years, STEL's PE ratio reached its highest point in the Sep 2018 quarter at 25.39, when the stock price was $35.54 and the EPS was $1.4. The lowest point was recorded in the Jun 2022 quarter, when it reached 8.36 with a price of $26.59 and an EPS of $3.18.
Stellar Bancorp PE ratio by year
Maximum annual increase: 95.58% in 2022
Maximum annual decrease: -42.94% in 2023
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 13.19 | 16.11% | $28.35 | $2.15 |
| 2023 | 11.36 | -42.94% | $27.84 | $2.45 |
| 2022 | 19.91 | 95.58% | $29.46 | $1.48 |
| 2021 | 10.18 | -37.35% | $29 | $2.85 |
| 2020 | 16.25 | 6% | $25.51 | $1.57 |
| 2019 | 15.33 | -0.9% | $31.12 | $2.03 |
| 2018 | 15.47 | -35.84% | $29.4 | $1.9 |
| 2017 | 24.11 | N/A | $29.66 | $1.23 |
| 2016 | N/A | N/A | N/A | $1.23 |
| 2015 | N/A | N/A | N/A | $1.07 |
Stellar Bancorp PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 13.05 | -1.06% | $27.66 | $2.12 |
| Dec 2024 | 13.19 | 11.59% | $28.35 | $2.15 |
| Sep 2024 | 11.82 | 10.16% | $25.89 | $2.19 |
| Jun 2024 | 10.73 | -1.38% | $22.96 | $2.14 |
| Mar 2024 | 10.88 | -4.23% | $24.36 | $2.24 |
| Dec 2023 | 11.36 | -9.41% | $27.84 | $2.45 |
| Sep 2023 | 12.54 | -10.68% | $21.32 | $1.7 |
| Jun 2023 | 14.04 | -12.14% | $22.89 | $1.63 |
| Mar 2023 | 15.98 | -19.74% | $24.61 | $1.54 |
| Dec 2022 | 19.91 | 110.91% | $29.46 | $1.48 |
| Sep 2022 | 9.44 | 12.92% | $29.25 | $3.1 |
| Jun 2022 | 8.36 | -16.65% | $26.59 | $3.18 |
| Mar 2022 | 10.03 | -1.47% | $31 | $3.09 |
| Dec 2021 | 10.18 | -7.37% | $29 | $2.85 |
| Sep 2021 | 10.99 | -16.68% | $26.38 | $2.4 |
STEL Price vs fair value
You can ether set your own Fair P/E multiple or use one of the automatically calculated Fair P/E multiples.
Fair P/E calculation
PE Ratio is an attempt to estimate a fair PE ratio of a stock based on its earnings and growth rate.
This formula is a modified version of the classic Graham-Dodd Formula (V= EPS x (8.5+2g)), originally developed by Benjamin Graham, to calculate the fair price of a stock based on its earnings and growth rate.
The formula we have created is an adaptation of this approach, designed to maintain a balance between simplicity and growth sensitivity.
It is calculated using the following formula:
IF g < 5: Fair PE = b
IF g >= 5: Fair PE = m × g
Here’s what each part of the formula means:
g: Growth is calculated as the average of the three-year average EPS growth rate and the one-year EPS growth rate (annually). This approach provides a balanced measure of growth by factoring in both the long-term growth trend and the most recent annual growth performance. If one of the growth metrics is not available, the remaining metric is used to determine growth. Growth is a key driver of a stock's value, and our formula directly connects growth to the Fair PE ratio.
m: This is the long term historical median PEG (Price/Earnings to Growth) ratio of the overall market. It serves as a benchmark, adjusting the Fair PE based on typical market conditions.
b: Base PE (static value set to 8). If the company's growth rate is less than 5, the Fair PE is set at a conservative baseline of 8. This is because declining companies generally deserve a lower PE ratio.
Fixed vs Dynamic
Fixed: The Fair PE ratio for all data points is calculated using a single, constant average EPS growth rate, determined based on the most recent period. This means that the same growth rate is applied to all historical data points. Dynamic: The Fair PE ratio for each historical data point is calculated using the trailing average EPS growth rate specific to that point in time. This means that for each data point, the corresponding trailing EPS growth rate is used, ensuring that the Fair PE ratio reflects the growth conditions that were relevant at that specific point in history.
STEL average PE ratio chart
STEL's current P/E ratio is above the 3 and 5-year averages.
STEL PE vs peers
STEL's PE ratio is less than its peer stock NKSH, but it is above NRIM's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NRIM Northrim Bancorp Inc | 11.68 | $492.68M |
| STEL Stellar Bancorp Inc | 12.97 | $1.42B |
| NKSH National Bankshares Inc | 19.35 | $169.9M |
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Frequently asked questions
What is Stellar Bancorp's PE ratio?
The price to earnings ratio for STEL stock as of May 16, 2025, stands at 12.97.
What is the 3-year average PE ratio for Stellar Bancorp (STEL)?
The 3-year average PE ratio for STEL stock is 12.61.
What is the 5-year average PE ratio for Stellar Bancorp (STEL)?
The 5-year average PE ratio for STEL stock is 12.96.
What is the highest PE ratio for STEL?
The highest quarterly PE ratio in the last eight years has been 25.39 and it was in the Sep 2018 quarter.
How does the current PE ratio for STEL compare to its historical average?
The current price to earnings ratio of STEL is 12% lower than the 8-year historical average.
How is STEL's PE ratio calculated (Stellar Bancorp PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (May 16, 2025), Stellar Bancorp's stock price is $27.5. The earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $2.12. Therefore, Stellar Bancorp's price to earnings ratio for today is 12.97. PE RATIO(12.97) = STOCK PRICE($27.5) / TTM EPS($2.12)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.