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STEL (Stellar Bancorp) Cyclically Adjusted Price-to-FCF : 10.30 (As of Jun. 03, 2025)


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What is Stellar Bancorp Cyclically Adjusted Price-to-FCF?

As of today (2025-06-03), Stellar Bancorp's current share price is $26.58. Stellar Bancorp's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec24 was $2.58. Stellar Bancorp's Cyclically Adjusted Price-to-FCF for today is 10.30.

The historical rank and industry rank for Stellar Bancorp's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

STEL' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 10.26   Med: 10.93   Max: 11.32
Current: 10.42

During the past 10 years, Stellar Bancorp's highest Cyclically Adjusted Price-to-FCF was 11.32. The lowest was 10.26. And the median was 10.93.

STEL's Cyclically Adjusted Price-to-FCF is ranked worse than
62.85% of 891 companies
in the Banks industry
Industry Median: 8.66 vs STEL: 10.42

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Stellar Bancorp's adjusted free cash flow per share data of for the fiscal year that ended in Dec24 was $2.391. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.58 for the trailing ten years ended in Dec24.

Shiller PE for Stocks: The True Measure of Stock Valuation


Stellar Bancorp Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Stellar Bancorp's Cyclically Adjusted Price-to-FCF 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.

* Premium members only.

Stellar Bancorp Cyclically Adjusted Price-to-FCF Chart

Stellar Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 10.97

Stellar Bancorp Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - 10.97 -

Competitive Comparison of Stellar Bancorp's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Stellar Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Stellar Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Stellar Bancorp's Cyclically Adjusted Price-to-FCF falls into.


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Stellar Bancorp Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Stellar Bancorp's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=26.58/2.58
=10.30

* 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's Cyclically Adjusted FCF per Share for the fiscal year that ended in Dec24 is calculated as:

For example, Stellar Bancorp's adjusted Free Cash Flow per Share data for the fiscal year that ended in Dec24 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec24 (Change)*Current CPI (Dec24)
=2.391/133.1571*133.1571
=2.391

Current CPI (Dec24) = 133.1571.

Stellar Bancorp Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201512 1.346 99.792 1.796
201612 1.530 101.863 2.000
201712 1.533 104.011 1.963
201812 1.920 105.998 2.412
201912 2.140 108.420 2.628
202012 1.849 109.897 2.240
202112 3.618 117.630 4.096
202212 3.007 125.222 3.198
202312 3.027 129.419 3.114
202412 2.391 133.157 2.391

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Stellar Bancorp  (NYSE:STEL) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Stellar Bancorp Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Stellar Bancorp's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Stellar Bancorp Business Description

Industry
Traded in Other Exchanges
N/A
Address
9 Greenway Plaza, Suite 110, Houston, TX, USA, 77046
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.
Executives
Justin M Long officer: SEVP, GC & Secretary 3714 STEVENSON AVE., AUSTIN TX 78703
Wilson William E Jr director 9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Vitulli, Iii Ramon A. officer: President 8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Paul P Egge officer: Senior Executive VP, CFO 8847 W. SAM HOUSTON PARKWAY, N., STE 200, HOUSTON TX 77040
Okan I. Akin officer: Senior Executive VP, CRO 8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Cynthia A Dopjera director 9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Joe Sr Penland director 6550 TRAM ROAD, BEAUMONT TX 77713
Williams John E Jr director 9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Joe B Swinbank director 9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
George Martinez director 38 WINCREST FALLS DR, CYPRESS TX 774295154
John Beckworth director 8847 W.SAM HOUSTON PARKWAY N., SUITE 200, HOUSTON TX 77040
Jon-al Duplantier director C/O PARKER DRILLING COMPANY, 5 GREENWAY PLAZA, SUITE 100, HOUSTON TX 77046
Cambrea R Merriwether officer: EVP Executive Director of HR 9 GREENWAY PLAZA, SUITE 110, HOUSTON TX 77046
Fred S. Robertson director 8847 W. SAM HOUSTON PARKWAY N., STE. 200, HOUSTON TX 77040
Shanna R. Kuzdzal officer: Sr. EVP, GC, Secretary 8847 W. SAM HOUSTON PARKWAY, N., STE 200, HOUSTON TX 77040