Stellar Bancorp (STEL) reported $105.63 million in revenue for the quarter ended September 2025, representing a year-over-year decline of 2%. EPS of $0.50 for the same period compares to $0.63 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $105.97 million, representing a surprise of -0.32%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.50.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Stellar Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (tax equivalent): 4.2% versus 4.2% estimated by three analysts on average.
- Efficiency Ratio: 63.7% compared to the 66.9% average estimate based on three analysts.
- Total nonperforming loans: $46.25 million versus $50.94 million estimated by two analysts on average.
- Average Balance - Total interest-earning assets: $9.53 billion compared to the $9.51 billion average estimate based on two analysts.
- Net charge-offs (recoveries) to average loans (annualized): 0.2% compared to the 0.1% average estimate based on two analysts.
- Total nonperforming assets: $54.19 million versus the two-analyst average estimate of $54.67 million.
- Net Interest Income: $100.64 million versus $100.06 million estimated by three analysts on average.
- Net Interest Income (tax equivalent): $100.74 million versus $100.16 million estimated by three analysts on average.
- Total Non-Interest Income: $4.99 million compared to the $5.89 million average estimate based on three analysts.
View all Key Company Metrics for Stellar Bancorp here>>>
Shares of Stellar Bancorp have returned -2.8% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Stellar Bancorp, Inc. (STEL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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