Stellar Bancorp's book value per share for the quarter that ended in Mar. 2026 was $32.76.
During the past 12 months, Stellar Bancorp's average Book Value Per Share Growth Rate was 6.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Stellar Bancorp was 19.40% per year. The lowest was -3.40% per year. And the median was 8.30% per year.
Stellar Bancorp's current price is $39.32. Its book value per share for the quarter that ended in Mar. 2026 was $32.76. Hence, today's PB Ratio of Stellar Bancorp is 1.20.
During the past 11 years, the highest P/B Ratio of Stellar Bancorp was 2.05. The lowest was 0.70. And the median was 1.14.
Warning Sign:
Stellar Bancorp Inc stock PB Ratio (=1.2) is close to 3-year high of 1.21.
Stellar Bancorp (NYSE:STEL) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Stellar Bancorp Book Value per Share Related Terms
Stellar Bancorp Book Value per Share Historical Data
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The historical data trend for Stellar Bancorp's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STEL vs NBHC, OFG, SRCE: Book Value per Share Comparison
For the Banks - Regional subindustry, Stellar Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Stellar Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Stellar Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Stellar Bancorp's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Stellar Bancorp (STEL) has a Book Value per Share of $32.76 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Stellar Bancorp and its competitors.
Is Stellar Bancorp's Book Value per Share too high?
Stellar Bancorp's current Book Value per Share is $32.76. Overall, Stellar Bancorp has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stellar Bancorp's Book Value per Share compare to NBHC and OFG?
Stellar Bancorp's Book Value per Share of $32.76 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Stellar Bancorp and its competitors. Stellar Bancorp's current Book Value per Share is $32.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stellar Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Stellar Bancorp (STEL) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.73, compared to a current price of $39.32 — trading 41.8% above its estimated fair value. The current Book Value per Share is $32.76. Stellar Bancorp's overall GF Score™ is 42/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Book Value per Share is $32.76 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Stellar Bancorp (STEL) Overvalued in 2026?
Based on GuruFocus' analysis, Stellar Bancorp stock appears to be overvalued.
The current stock price of $39.32 is trading 41.8% above its estimated GF Value™ of $27.73.
GuruFocus considers Stellar Bancorp to be Significantly Overvalued.
Key valuation signals for STEL:
Book Value per Share: $32.76
GF Value™: $27.73 vs. price of $39.32 (41.8% above fair value)
No single metric tells the full story. See the STEL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stellar Bancorp Inc is a U.S. based bank holding company. Through its subsidiary, Stellar Bank, the company provides a diversified range of commercial banking services predominantly to small to medium sized businesses, professionals, and individual customers. Its offerings include different types of loans, such as mortgage loans, home equity loans, automobile loans, etc.; deposit products, such as checking accounts, commercial accounts, money market accounts, savings accounts, etc. and other banking services like mobile banking, debit cards, cash management and wire transfer services, letters of credit, and others.
42GF Score
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Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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