STEL (Stellar Bancorp) Altman Z-Score


STEL Stellar Bancorp Inc STEL
65 GF Score
Price $38.96
GF Value $27.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Stellar Bancorp Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

STEL
65GF Score
Stellar Bancorp Inc STEL
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Stellar Bancorp (STEL) Overvalued in 2026?

Based on GuruFocus' analysis, Stellar Bancorp stock appears to be overvalued. The current stock price of $38.96 is trading 40.8% above its estimated GF Value™ of $27.67. GuruFocus considers Stellar Bancorp to be Significantly Overvalued.

Key valuation signals for STEL:

  • Altman Z-Score:
  • GF Value™: $27.67 vs. price of $38.96 (40.8% above fair value)
  • GF Score™: 65/100 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.
65GF Score

Get the complete analysis for STEL

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

$38.96
Price
$27.67
GF Value