STEL (Stellar Bancorp) Moat Score: 4/10 (As of Jun. 28, 2026)


STEL Stellar Bancorp Inc STEL
61 GF Score
Price $39.69
GF Value $27.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Stellar Bancorp Moat Score?

Stellar Bancorp STEL +1.28% 61 Moat Score is 4 as of Jun. 28, 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. Among 1,614 Banks companies, Stellar Bancorp ranks better than 86.25% on this metric.

Stellar Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Stellar Bancorp has Narrow Moat: Stellar Bancorp Inc has a discernible but modest moat due to its regional banking presence and customer relationships. However, it lacks significant network effects, brand strength, and regulatory barriers to establish a stronger competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Stellar Bancorp might have Narrow Moat - Discernible but modest moat.

Stellar Bancorp  (NYSE:STEL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Stellar Bancorp Moat Score Related Terms

STEL vs OFG, FCF, NBHC: Moat Score Comparison

For the Banks - Regional subindustry, Stellar Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Stellar Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Stellar Bancorp's Moat Score falls into.


STEL
61GF Score
Stellar Bancorp Inc STEL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Stellar Bancorp (STEL) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Stellar Bancorp ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is Stellar Bancorp's Moat Score too high?
Stellar Bancorp's current Moat Score is 4. Based on the distribution chart, Stellar Bancorp ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to OFG and FCF?
According to the Banks industry distribution chart, Stellar Bancorp ranks #222 out of 1614 companies for Moat Score. This places Stellar Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Stellar Bancorp's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Moat Score is 4 as of Jun. 28, 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:

  • Moat Score: 4
  • 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

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.
61GF Score

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

$39.69
Price
$27.67
GF Value