Stellar Bancorp, Inc.
STELStock · quarterly payer
Forward Yield
1.50%
Annual Dividend
$0.58
Payout Ratio
—
5-Yr Growth
7.3%
Ex-Date
—
Frequency
Quarterly
Summary
As of July 2026, Stellar Bancorp, Inc. (STEL) yields 1.50% ($0.58 per share annually), with a blended fair-value estimate of $32.15 — -18% downside, so it screens as overvalued. Dividend safety grade: A (85/100). 2 years of dividend growth.
Is STEL a good dividend stock?
YesStellar Bancorp, Inc. (STEL) pays a quarterly dividend yielding 1.50% ($0.58/yr), with 2 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Strong 7.3% 5-yr dividend growth
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.50%
- Payout Ratio
- —
- Annual Dividend
- $0.58
- 5-Yr Avg Growth
- 7.3%
- Ex-Dividend Date
- —
- Years of Growth
- 2
- Frequency
- quarterly
- Beta
- 0.71
- Market Cap
- $2.0B
- P/E Ratio
- 19.1
- 5-Yr Total Return
- —
- 52-Week Range
- $28.22 – $40.21
- Dividend Safety
- A · 85/100
- Ever Cut?
- No
Frequently Asked Questions
STEL Price — Last 12 Months
Daily close
Price Return
1 Year
—
3 Years
—
5 Years
—
52-Week Range
$28.22 – $40.21
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is STEL worth?
Overvaluedmedium confidenceOur blended fair-value estimate for Stellar Bancorp, Inc. is $32.15 per share, versus a market price of $39.32. That implies 18% of downside.
Fair Value
$32.15
Current Price
$39.32
Downside
-18%
Margin of Safety
-22%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.9% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $2.06 EPS, $0.58 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
STEL Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 15, 2026 | — | $0.1500 | regular |
| Mar 16, 2026 | — | $0.1500 | regular |
| Dec 15, 2025 | — | $0.1500 | regular |
| Sep 15, 2025 | — | $0.1400 | regular |
| Jun 16, 2025 | — | $0.1400 | regular |
| Mar 17, 2025 | — | $0.1400 | regular |
| Dec 13, 2024 | — | $0.1400 | regular |
| Sep 13, 2024 | — | $0.1300 | regular |
| Jun 14, 2024 | — | $0.1300 | regular |
| Mar 15, 2024 | — | $0.1300 | regular |
| Dec 14, 2023 | — | $0.1300 | regular |
| Sep 14, 2023 | — | $0.1300 | regular |
| Jun 14, 2023 | — | $0.1300 | regular |
| Mar 14, 2023 | — | $0.1300 | regular |
Income Calculator
At $0.58 / yr per share
