Stellar Bancorp (STEL) Matches Q3 Earnings Estimates

Group 1: Earnings Performance - Stellar Bancorp reported quarterly earnings of $0.5 per share, matching the Zacks Consensus Estimate, but down from $0.63 per share a year ago [1] - The company had a surprise of +13.33% in the previous quarter, posting earnings of $0.51 per share against an expected $0.45 [1] - Over the last four quarters, Stellar Bancorp has exceeded consensus EPS estimates three times [1] Group 2: Revenue Analysis - The company posted revenues of $105.63 million for the quarter ended September 2025, missing the Zacks Consensus Estimate by 0.32% and down from $107.81 million year-over-year [2] - Stellar Bancorp has topped consensus revenue estimates only once in the last four quarters [2] Group 3: Stock Performance and Outlook - Stellar Bancorp shares have increased by approximately 3.9% since the beginning of the year, compared to a 14.6% gain in the S&P 500 [3] - The company's future stock performance will largely depend on management's commentary during the earnings call and the earnings outlook [3][4] - The current consensus EPS estimate for the upcoming quarter is $0.49 on revenues of $107.07 million, and for the current fiscal year, it is $1.96 on revenues of $421.93 million [7] Group 4: Industry Context - The Zacks Industry Rank for Banks - Southeast places it in the top 24% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - Empirical research suggests a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]