Stellar BancorpSTEL +0.05%65 FCF Margin % is 14.63% as of Mar. 2026, which is 54% below its 10-year median of 31.86. GuruFocus rates STEL with a GF Score™ of 65/100 and a GF Value™ of $27.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,504 Banks companies, Stellar Bancorp ranks better than 50.66% on this metric.
The historical rank and industry rank for Stellar Bancorp's FCF Margin % or its related term are showing as below:
STEL'
s FCF Margin % Range Over the Past 10 Years
Min: 21.87 Med: 31.86 Max: 44.05
Current: 26.83
During the past 11 years, the highest FCF Margin % of Stellar Bancorp was 44.05%. The lowest was 21.87%. And the median was 31.86%.
STEL's FCF Margin % is ranked better than 50.66% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs STEL: 26.83
Stellar Bancorp FCF Margin % Related Terms
Stellar Bancorp FCF Margin % Historical Data
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The historical data trend for Stellar Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, Stellar Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Stellar Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Stellar Bancorp's FCF Margin % 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 FCF Margin % of 14.63% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Stellar Bancorp and its competitors. This is 54% below median its historical median of 31.86. Over the past decade, Stellar Bancorp's FCF Margin % has ranged from 21.87 to 44.05. According to the industry distribution chart, Stellar Bancorp ranks #742 out of 1504 companies in the Banks industry, placing it in the top 49.3%.
Is Stellar Bancorp's FCF Margin % too high?
Stellar Bancorp's current FCF Margin % of 14.63% is 54% below median its 10-year median of 31.86. Over the past 10 years, this metric has ranged from a low of 21.87 to a high of 44.05. The Banks industry median FCF Margin % is 26.50. Stellar Bancorp's value of 14.63% is 44.8% below this industry median. Based on the distribution chart, Stellar Bancorp ranks #742 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, Stellar Bancorp has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stellar Bancorp's FCF Margin % compare to OFG and FCF?
According to the Banks industry distribution chart, Stellar Bancorp ranks #742 out of 1504 companies for FCF Margin %. This puts Stellar Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. Stellar Bancorp's value of 14.63% is 44.8% below this benchmark. Historically, Stellar Bancorp's own FCF Margin % has ranged from 21.87 to 44.05 over the past decade. While the company's 10-year median is 31.86 vs. the industry median of 26.50, Stellar Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stellar Bancorp's current FCF Margin % of 14.63% is 44.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Stellar Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stellar Bancorp's current FCF Margin % is 14.63%, which is 54% below median its own 10-year median of 31.86. 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 $27.67, compared to a current price of $38.99 — trading 40.9% above its estimated fair value. The current FCF Margin % is 14.63%, which is 54% below median its 10-year median of 31.86 and 44.8% below the Banks industry median of 26.50. Stellar Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current FCF Margin % is 14.63% 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 $38.99 is trading 40.9% above its estimated GF Value™ of $27.67.
GuruFocus considers Stellar Bancorp to be Significantly Overvalued.
Key valuation signals for STEL:
FCF Margin %: 14.63% (54% below median its 10-year median of 31.86)
GF Value™: $27.67 vs. price of $38.99 (40.9% above fair value)
Industry Position: 44.8% below the Banks median (#742 of 1504)
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.
65GF Score
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