STEL (Stellar Bancorp) Tariff Resilience Score: 8/10 (As of Jun. 29, 2026)


STEL Stellar Bancorp Inc STEL
61 GF Score
Price $39.31
GF Value $27.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Stellar Bancorp Tariff Resilience Score?

Stellar Bancorp STEL -0.96% 61 Tariff Resilience Score is 8 as of Jun. 29, 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 1,610 Banks companies, Stellar Bancorp ranks better than 78.76% on this metric.

Stellar Bancorp has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Stellar Bancorp has Stellar Bancorp Inc operates primarily in financial services with minimal direct exposure to tariffs. Indirect effects through client industries are possible but limited. Strong domestic focus and regulatory environment provide resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Stellar Bancorp might have Highly Resilient.

Stellar Bancorp  (NYSE:STEL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Stellar Bancorp Tariff Resilience Score Related Terms

STEL vs NBHC, OFG, SRCE: Tariff Resilience Score Comparison

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

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

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


STEL
61GF Score
Stellar Bancorp Inc STEL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Stellar Bancorp (STEL) has a Tariff Resilience Score of 8 as of Jun. 29, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Stellar Bancorp ranks #342 out of 1610 companies in the Banks industry, placing it in the top 21.2%.
Is Stellar Bancorp's Tariff Resilience Score too high?
Stellar Bancorp's current Tariff Resilience Score is 8. Based on the distribution chart, Stellar Bancorp ranks #342 out of 1610 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 Tariff Resilience Score compare to NBHC and OFG?
According to the Banks industry distribution chart, Stellar Bancorp ranks #342 out of 1610 companies for Tariff Resilience Score. This places Stellar Bancorp in the top 21% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Stellar Bancorp's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Tariff Resilience Score is 8 as of Jun. 29, 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:

  • Tariff Resilience Score: 8
  • GF Value™: $27.67 vs. price of $39.31 (42.1% 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$39.31
Price
$27.67
GF Value