STEL (Stellar Bancorp) Long-Term Debt: $175.3 Mil (As of Mar. 2026)


STEL Stellar Bancorp Inc STEL
65 GF Score
Price $39.32
GF Value $27.71
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Stellar Bancorp Long-Term Debt?

Stellar Bancorp STEL 65 Long-Term Debt is $175.3 Mil as of Mar. 2026. GuruFocus rates STEL with a GF Score™ of 65/100 and a GF Value™ of $27.71 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Stellar Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was $175.3 Mil.

Stellar Bancorp's quarterly Long-Term Debt declined from Sep. 2025 ($70.2 Mil) to Dec. 2025 ($40.2 Mil) but then increased from Dec. 2025 ($40.2 Mil) to Mar. 2026 ($175.3 Mil).

Stellar Bancorp's annual Long-Term Debt declined from Dec. 2023 ($159.8 Mil) to Dec. 2024 ($70.1 Mil) and declined from Dec. 2024 ($70.1 Mil) to Dec. 2025 ($40.2 Mil).

Stellar Bancorp  (NYSE:STEL) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Stellar Bancorp Long-Term Debt Related Terms

Stellar Bancorp Long-Term Debt Historical Data

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The historical data trend for Stellar Bancorp's Long-Term Debt 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 Long-Term Debt Chart

Stellar Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 198.80 173.29 159.77 70.11 40.23

Stellar Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt 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 190.06 140.09 70.20 40.23 175.26
STEL
65GF Score
Stellar Bancorp Inc STEL
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $175.3 Mil mean?
Stellar Bancorp (STEL) has a Long-Term Debt of $175.3 Mil as of Mar. 2026.
Is Stellar Bancorp's Long-Term Debt too high?
Stellar Bancorp's current Long-Term Debt is $175.3 Mil. 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 Long-Term Debt compare to NBHC and OFG?
Stellar Bancorp's Long-Term Debt of $175.3 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Stellar Bancorp's current Long-Term Debt is $175.3 Mil. 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 $27.71, compared to a current price of $39.32 — trading 41.9% above its estimated fair value. The current Long-Term Debt is $175.3 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Long-Term Debt is $175.3 Mil 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 41.9% above its estimated GF Value™ of $27.71. GuruFocus considers Stellar Bancorp to be Significantly Overvalued.

Key valuation signals for STEL:

  • Long-Term Debt: $175.3 Mil
  • GF Value™: $27.71 vs. price of $39.32 (41.9% above fair value)
  • GF Score™: 65/100 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.
65GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.32
Price
$27.71
GF Value