Stellar BancorpSTEL +0.36%65 Net Margin % is 24.28% as of Mar. 2026, which is 5% below its 10-year median of 25.49. 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 1,526 Banks companies, Stellar Bancorp ranks worse than 57.54% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Stellar Bancorp's Net Income for the
three
months ended in Mar. 2026 was $27.0 Mil. Stellar Bancorp's Revenue for the
three
months ended in Mar. 2026 was $111.0 Mil. Therefore, Stellar Bancorp's net margin for the quarter that ended in Mar. 2026 was 24.28%.
The historical rank and industry rank for Stellar Bancorp's Net Margin % or its related term are showing as below:
STEL'
s Net Margin % Range Over the Past 10 Years
Min: 16.63 Med: 25.49 Max: 34.39
Current: 24.47
STEL's Net Margin % is ranked worse than 57.54% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs STEL: 24.47
Stellar Bancorp (NYSE:STEL) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Stellar Bancorp Net Margin % Related Terms
Stellar Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Stellar Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Stellar Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Stellar Bancorp's Net 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 Net Margin % of 24.28% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Stellar Bancorp and its competitors. This is near median its historical median of 25.49. Over the past decade, Stellar Bancorp's Net Margin % has ranged from 16.63 to 34.39. According to the industry distribution chart, Stellar Bancorp ranks #878 out of 1526 companies in the Banks industry, placing it in the top 57.5%.
Is Stellar Bancorp's Net Margin % too high?
Stellar Bancorp's current Net Margin % of 24.28% is near median its 10-year median of 25.49. Over the past 10 years, this metric has ranged from a low of 16.63 to a high of 34.39. The Banks industry median Net Margin % is 26.97. Stellar Bancorp's value of 24.28% is 10% below this industry median. Based on the distribution chart, Stellar Bancorp ranks #878 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to OFG and FCF?
According to the Banks industry distribution chart, Stellar Bancorp ranks #878 out of 1526 companies for Net Margin %. This places Stellar Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. Stellar Bancorp's value of 24.28% is 10% below this benchmark. Historically, Stellar Bancorp's own Net Margin % has ranged from 16.63 to 34.39 over the past decade. While the company's 10-year median is 25.49 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stellar Bancorp's current Net Margin % of 24.28% is 10% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Stellar Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stellar Bancorp's current Net Margin % is 24.28%, which is near median its own 10-year median of 25.49. 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 $39.11 — trading 41.3% above its estimated fair value. The current Net Margin % is 24.28%, which is near median its 10-year median of 25.49 and 10% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Net Margin % is 24.28% 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 $39.11 is trading 41.3% above its estimated GF Value™ of $27.67.
GuruFocus considers Stellar Bancorp to be Significantly Overvalued.
Key valuation signals for STEL:
Net Margin %: 24.28% (near median its 10-year median of 25.49)
GF Value™: $27.67 vs. price of $39.11 (41.3% above fair value)
Industry Position: 10% below the Banks median (#878 of 1526)
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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