STEL (Stellar Bancorp) Tax Rate %: 19.22% (As of Mar. 2026)


STEL Stellar Bancorp Inc STEL
43 GF Score
Price $39.32
GF Value $27.73
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Stellar Bancorp Tax Rate %?

Stellar Bancorp STEL 43 Tax Rate % is 19.22% as of Mar. 2026. GuruFocus rates STEL with a GF Score™ of 43/100 and a GF Value™ of $27.73 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Tax Rate % is calculated as Tax Expense divided by its Pre-Tax Income. Stellar Bancorp's Tax Expense for the three months ended in Mar. 2026 was $6.4 Mil. Stellar Bancorp's Pre-Tax Income for the three months ended in Mar. 2026 was $33.4 Mil. Therefore, Stellar Bancorp's Tax Rate % for the quarter that ended in Mar. 2026 was 19.22%.

Stellar Bancorp Tax Rate % Related Terms

Stellar Bancorp Tax Rate % Historical Data

* Premium members only.

The historical data trend for Stellar Bancorp's Tax Rate % 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 Tax Rate % Chart

Stellar Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Rate %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.36 17.74 19.39 20.67 19.49

Stellar Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Tax Rate % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.23 20.22 20.24 17.26 19.22
STEL
43GF Score
Stellar Bancorp Inc STEL
Tax Rate % is just one metric. See GF Score™, valuation, warning signs, and more.
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Stellar Bancorp Tax Rate % Calculation

Tax Rate % is the ratio of tax expense divided by pretax income, usually presented in percent.

Stellar Bancorp's Tax Rate % for the fiscal year that ended in Dec. 2025 is calculated as

Tax Rate %=Tax Expense (A: Dec. 2025 )/Pre-Tax Income (A: Dec. 2025 )
=24.91/127.782
=19.49 %

Stellar Bancorp's Tax Rate % for the quarter that ended in Mar. 2026 is calculated as

Tax Rate %=Tax Expense (Q: Mar. 2026 )/Pre-Tax Income (Q: Mar. 2026 )
=6.414/33.38
=19.22 %

* 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.

Frequently Asked Questions Learn more about Tax Rate % →
What does a Tax Rate % of 19.22% mean?
Stellar Bancorp (STEL) has a Tax Rate % of 19.22% as of Mar. 2026.
Is Stellar Bancorp's Tax Rate % too high?
Stellar Bancorp's current Tax Rate % is 19.22%. Overall, Stellar Bancorp has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stellar Bancorp's Tax Rate % compare to NBHC and OFG?
Stellar Bancorp's Tax Rate % of 19.22% 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 Tax Rate % for a Banks company?
A good Tax Rate % depends on the Banks industry context. However, Tax Rate % 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 Tax Rate % mean?
A high Tax Rate % can signal that a stock is expensive relative to its fundamentals. Stellar Bancorp's current Tax Rate % is 19.22%. 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 $27.73, compared to a current price of $39.32 — trading 41.8% above its estimated fair value. The current Tax Rate % is 19.22%. Stellar Bancorp's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tax Rate % calculated?
Tax Rate % is calculated from a company's financial statements. For Stellar Bancorp (STEL), the current Tax Rate % is 19.22% 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 $39.32 is trading 41.8% above its estimated GF Value™ of $27.73. GuruFocus considers Stellar Bancorp to be Significantly Overvalued.

Key valuation signals for STEL:

  • Tax Rate %: 19.22%
  • GF Value™: $27.73 vs. price of $39.32 (41.8% above fair value)
  • GF Score™: 43/100 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.
43GF Score

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

$39.32
Price
$27.73
GF Value