Stellar BancorpSTEL -0.96%61 PB Ratio is 1.20 as of Jun. 30, 2026, which is 5% above its 10-year median of 1.14. 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 1,519 Banks companies, Stellar Bancorp ranks worse than 58.13% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-30), Stellar Bancorp's share price is $39.31. Stellar Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $32.76. Hence, Stellar Bancorp's PB Ratio of today is 1.20.
Warning Sign:
Stellar Bancorp Inc stock PB Ratio (=1.2) is close to 3-year high of 1.21.
The historical rank and industry rank for Stellar Bancorp's PB Ratio or its related term are showing as below:
STEL'
s PB Ratio Range Over the Past 10 Years
Min: 0.7 Med: 1.14 Max: 2.05
Current: 1.2
During the past 11 years, Stellar Bancorp's highest PB Ratio was 2.05. The lowest was 0.70. And the median was 1.14.
STEL's PB Ratio is ranked worse than 58.13% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs STEL: 1.20
During the past 12 months, Stellar Bancorp's average Book Value Per Share Growth Rate was 6.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Stellar Bancorp was 19.40% per year. The lowest was -3.40% per year. And the median was 8.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Stellar Bancorp PB Ratio Related Terms
Stellar Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Stellar Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Stellar Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Stellar Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Stellar Bancorp's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Stellar Bancorp (STEL) has a PB Ratio of 1.20 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Stellar Bancorp and its competitors. This is near median its historical median of 1.14. Over the past decade, Stellar Bancorp's PB Ratio has ranged from 0.70 to 2.05. According to the industry distribution chart, Stellar Bancorp ranks #883 out of 1519 companies in the Banks industry, placing it in the top 58.1%.
Is Stellar Bancorp's PB Ratio too high?
Stellar Bancorp's current PB Ratio of 1.20 is near median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 2.05. The Banks industry median PB Ratio is 1.09. Stellar Bancorp's value of 1.20 is 10.1% above this industry median. Based on the distribution chart, Stellar Bancorp ranks #883 out of 1519 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to NBHC and OFG?
According to the Banks industry distribution chart, Stellar Bancorp ranks #883 out of 1519 companies for PB Ratio. This places Stellar Bancorp in the lower half of its industry. The industry median PB Ratio is 1.09. Stellar Bancorp's value of 1.20 is 10.1% above this benchmark. Historically, Stellar Bancorp's own PB Ratio has ranged from 0.70 to 2.05 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.09, Stellar Bancorp has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Stellar Bancorp's current PB Ratio of 1.20 is 10.1% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Stellar Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stellar Bancorp's current PB Ratio is 1.20, which is near median its own 10-year median of 1.14. 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 $39.31 — trading 42.1% above its estimated fair value. The current PB Ratio is 1.20, which is near median its 10-year median of 1.14 and 10.1% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current PB Ratio is 1.20 as of Jun. 30, 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 $39.31 is trading 42.1% above its estimated GF Value™ of $27.67.
GuruFocus considers Stellar Bancorp to be Significantly Overvalued.
Key valuation signals for STEL:
PB Ratio: 1.20 (near median its 10-year median of 1.14)
GF Value™: $27.67 vs. price of $39.31 (42.1% above fair value)
Industry Position: 10.1% above the Banks median (#883 of 1519)
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.
61GF Score
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