STEL
Stellar Bancorp
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: STEL
- PE Ratio
The current PE ratio for Stellar Bancorp stock as of Jun 3, 2026 is 18.04. This is calculated based on the current EPS of $2.05 and the stock price of $36.98 per share. The PE ratio has an increase of 15% from the past four quarters average of 15.6.
STEL PE ratio history
The average historical PE ratio of Stellar Bancorp for the last nine years is 14.78. The current price-to-earnings ratio of 18.04 is 22% more than the historical average. In the past nine 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 |
|---|---|---|---|---|
| 2025 | 15.55 | 17.89% | $30.94 | $1.99 |
| 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 2026 | 17.86 | 14.86% | $36.61 | $2.05 |
| Dec 2025 | 15.55 | -0.58% | $30.94 | $1.99 |
| Sep 2025 | 15.64 | 15.68% | $30.34 | $1.94 |
| Jun 2025 | 13.52 | 3.6% | $27.98 | $2.07 |
| 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 |
STEL Price vs fair value
STEL average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
STEL's current P/E ratio is above the 3 and 5-year averages.
PE comparison
With a P/E of 18.04, STEL stands above the Financial Services sector and the industry average. Looking at its Financial Services sector average of 12.1, Stellar Bancorp's P/E is 49% higher.
STEL PE vs peers
STEL's PE ratio is above its peer stocks NRIM and NKSH.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NRIM Northrim Bancorp Inc | 8.44 | $551.89M |
| NKSH National Bankshares Inc | 12.64 | $222.26M |
| STEL Stellar Bancorp Inc | 18.26 | $1.91B |
Frequently asked questions
What is Stellar Bancorp's PE ratio?
The price to earnings ratio for STEL stock as of Jun 3, 2026, stands at 18.04.
What is the 3-year average PE ratio for Stellar Bancorp (STEL)?
The 3-year average PE ratio for STEL stock is 13.35.
What is the 5-year average PE ratio for Stellar Bancorp (STEL)?
The 5-year average PE ratio for STEL stock is 12.91.
What is the highest PE ratio for STEL?
The highest quarterly PE ratio in the last nine 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 22% higher than the 9-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 (Jun 3, 2026), Stellar Bancorp's stock price is $36.98. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.05. Therefore, Stellar Bancorp's price to earnings ratio for today is 18.04. PE RATIO(18.04) = STOCK PRICE($36.98) / TTM EPS($2.05)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.