STEL (Stellar Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Stellar Bancorp LT-Debt-to-Total-Asset?

Stellar Bancorp STEL +1.28% 61 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates STEL with a GF Score™ of 61/100 and a GF Value™ of $27.67 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Stellar Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Stellar Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Stellar Bancorp is progressively becoming less dependent on debt to grow their business.

Stellar Bancorp (NYSE:STEL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Stellar Bancorp LT-Debt-to-Total-Asset Related Terms

Stellar Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Stellar Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Stellar Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.02

0.01

0.00

Stellar Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.01	0.01	0.00	0.02

61GF Score

Stellar Bancorp Inc STEL

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Stellar Bancorp LT-Debt-to-Total-Asset Calculation

Stellar Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	40.226	/	10806.594
	=	0.00

Stellar Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	175.256	/	10889.356
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Stellar Bancorp (STEL) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Stellar Bancorp and its competitors.

Is Stellar Bancorp's LT-Debt-to-Total-Asset too high?

Stellar Bancorp's current LT-Debt-to-Total-Asset is 0.02. Overall, Stellar Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Stellar Bancorp's LT-Debt-to-Total-Asset compare to OFG and FCF?

Stellar Bancorp's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Stellar Bancorp and its competitors. Stellar Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 $39.69 — trading 43.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Stellar Bancorp's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current LT-Debt-to-Total-Asset is 0.02 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 $39.69 is trading 43.4% above its estimated GF Value™ of $27.67. GuruFocus considers Stellar Bancorp to be Significantly Overvalued.

Key valuation signals for STEL:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $27.67 vs. price of $39.69 (43.4% above fair value)
GF Score™: 61/100 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

Industry Financial Services Banks

Comparable Companies OFG FCF NBHC SRCE LOB CHCO LC CASH NWBI BLX SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 9 Greenway Plaza, Suite 110, Houston, TX, USA, 77046

Website https://www.stellar.bank

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.

61GF Score

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$39.69

Price

$27.67

GF Value

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