Stellar Bancorp (STEL) reported $108.89 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 0.8%. EPS of $0.51 for the same period compares to $0.52 a year ago.
The reported revenue represents a surprise of +1.04% over the Zacks Consensus Estimate of $107.77 million. With the consensus EPS estimate being $0.53, the EPS surprise was -3.17%.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
- Efficiency Ratio: 61.6% versus the three-analyst average estimate of 66.2%.
- Net interest margin (tax equivalent): 4.2% compared to the 4.2% average estimate based on three analysts.
- Total nonperforming assets: $60.04 million compared to the $51.46 million average estimate based on two analysts.
- Total nonperforming loans: $52.55 million compared to the $43.84 million average estimate based on two analysts.
- Average Balance - Total interest-earning assets: $9.75 billion compared to the $9.67 billion average estimate based on two analysts.
- Net charge-offs (recoveries) to average loans (annualized): 0% versus the two-analyst average estimate of 0.1%.
- Total Non-Interest Income: $5.51 million versus the three-analyst average estimate of $5.57 million.
- Net Interest Income: $103.38 million compared to the $102.17 million average estimate based on three analysts.
- Net Interest Income (tax equivalent): $103.49 million versus $102.27 million estimated by three analysts on average.
View all Key Company Metrics for Stellar Bancorp here>>>
Shares of Stellar Bancorp have returned +6.3% over the past month versus the Zacks S&P 500 composite's +0.8% 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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