STEL (Stellar Bancorp) Cyclically Adjusted Revenue per Share: $8.31 (As of Mar. 2026)


STEL Stellar Bancorp Inc STEL
43 GF Score
Price $39.32
GF Value $27.72
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Stellar Bancorp Cyclically Adjusted Revenue per Share?

Stellar Bancorp STEL 43 Cyclically Adjusted Revenue per Share is $8.31 as of Mar. 2026. GuruFocus rates STEL with a GF Score™ of 43/100 and a GF Value™ of $27.72 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Stellar Bancorp's adjusted revenue per share for the three months ended in Mar. 2026 was $2.180. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $8.31 for the trailing ten years ended in Mar. 2026.

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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-06), Stellar Bancorp's current stock price is $39.32. Stellar Bancorp's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $8.31. Stellar Bancorp's Cyclically Adjusted PS Ratio of today is 4.73.

During the past 11 years, the highest Cyclically Adjusted PS Ratio of Stellar Bancorp was 4.81. The lowest was 3.78. And the median was 4.51.


Stellar Bancorp  (NYSE:STEL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Stellar Bancorp's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=39.32/8.31
=4.73

* 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.

During the past 11 years, the highest Cyclically Adjusted PS Ratio of Stellar Bancorp was 4.81. The lowest was 3.78. And the median was 4.51.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Stellar Bancorp Cyclically Adjusted Revenue per Share Related Terms


Stellar Bancorp Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Stellar Bancorp's Cyclically Adjusted Revenue 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.

Stellar Bancorp Cyclically Adjusted Revenue per Share Chart

Stellar Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 8.14

Stellar Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 0.00 0.00 0.00 8.14 8.31

STEL vs NBHC, OFG, SRCE: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Stellar Bancorp's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Stellar Bancorp's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Stellar Bancorp's Cyclically Adjusted PS Ratio falls into.


STEL
43GF Score
Stellar Bancorp Inc STEL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Stellar Bancorp Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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.

For example, Stellar Bancorp's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.18/330.2130*330.2130
=2.180

Current CPI (Mar. 2026) = 330.2130.

Stellar Bancorp Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.162 241.018 1.592
201609 1.277 241.428 1.747
201612 1.331 241.432 1.820
201703 1.291 243.801 1.749
201706 1.327 244.955 1.789
201709 1.386 246.819 1.854
201712 1.246 246.524 1.669
201803 1.284 249.554 1.699
201806 1.360 251.989 1.782
201809 1.382 252.439 1.808
201812 1.476 251.233 1.940
201903 1.457 254.202 1.893
201906 1.647 256.143 2.123
201909 1.528 256.759 1.965
201912 1.482 256.974 1.904
202003 1.444 258.115 1.847
202006 1.401 257.797 1.795
202009 1.430 260.280 1.814
202012 2.487 260.474 3.153
202103 1.455 264.877 1.814
202106 1.383 271.696 1.681
202109 1.482 274.310 1.784
202112 3.135 278.802 3.713
202203 2.033 287.504 2.335
202206 2.067 296.311 2.303
202209 2.232 296.808 2.483
202212 2.384 296.797 2.652
202303 2.321 301.836 2.539
202306 2.131 305.109 2.306
202309 2.087 307.789 2.239
202312 2.115 306.746 2.277
202403 2.030 312.332 2.146
202406 1.993 314.175 2.095
202409 2.012 315.301 2.107
202412 2.020 315.605 2.113
202503 1.969 319.799 2.033
202506 2.019 322.561 2.067
202509 2.057 324.800 2.091
202512 2.129 324.054 2.169
202603 2.180 330.213 2.180

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $8.31 mean?
Stellar Bancorp (STEL) has a Cyclically Adjusted Revenue per Share of $8.31 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Stellar Bancorp and its competitors.
Is Stellar Bancorp's Cyclically Adjusted Revenue per Share too high?
Stellar Bancorp's current Cyclically Adjusted Revenue per Share is $8.31. Overall, Stellar Bancorp has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stellar Bancorp's Cyclically Adjusted Revenue per Share compare to NBHC and OFG?
Stellar Bancorp's Cyclically Adjusted Revenue per Share of $8.31 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Stellar Bancorp and its competitors. Stellar Bancorp's current Cyclically Adjusted Revenue per Share is $8.31. 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 $27.72, compared to a current price of $39.32 — trading 41.8% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $8.31. Stellar Bancorp's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Cyclically Adjusted Revenue per Share is $8.31 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 $27.72. GuruFocus considers Stellar Bancorp to be Significantly Overvalued.

Key valuation signals for STEL:

  • Cyclically Adjusted Revenue per Share: $8.31
  • GF Value™: $27.72 vs. price of $39.32 (41.8% above fair value)
  • GF Score™: 43/100 with 6 warning signs

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 Business Description

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.
43GF Score

Get the complete analysis for STEL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.32
Price
$27.72
GF Value